SIP Double Money Formula: You may be investing in SIP. Investment in mutual funds through SIP is growing rapidly. By February 2025, investment through SIP has reached the figure of ₹ 25,999 crores. SIP is the only tool through which big profits can be made from small investments. Do you know that there is a Jugaad to double the money in SIP too, that is, there is a secret formula that doubles the money. If you have not tried this formula yet, then you are making a mistake. Because this is the trick that will give you a corpus of crores. That too in less time. Today we will know the hidden formula of SIP which will take your investment to the next level.

What is the secret formula of SIP?

Top-Up SIP is such a formula, which you can use to double your wealth. What to do, do a top-up of 10% in SIP every year. As your salary increases, you can keep your top-up accordingly. This will increase the investment in SIP. But the real story will be told by compounding. Let's understand this through calculation:

SIP Calculation: Investment in Regular SIP

Monthly SIP: ₹10,000
Tenure: 20 years
Estimated return: 12%
Total investment: ₹24 lakh
SIP value after 20 years: ₹99.91 lakh
Estimated profit: ₹75.91 lakh

SIP Calculation: Investment through Top-Up SIP

Monthly SIP (start): ₹10,000
Tenure: 20 years
Estimated return: 12%
SIP top-up every year: 10%
Total investment: ₹68.73 lakh
SIP value after 20 years: ₹1.99 crore
Estimated profit: ₹1.30 crore

Why is Top-Up SIP the best?

1. Magic of compounding: Top-up SIP gives you better benefits of compounding.

2. Goal achieved quickly: You can achieve your financial goals faster as compared to regular SIP.

3. Investment will also increase with salary: As your income increases, your investment will also increase.

Experts also believe it.

According to financial advisor Amit Nigam, investing in SIP is the safest and best way to create long-term wealth. But Top-Up SIP makes your financial journey easier. By increasing small amounts every year, your corpus grows rapidly. Especially when the market outlook is better, this formula can prove to be a game-changer.

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