From Turbulence to Triumph: Power of Increasing SIP During Volatile Times
By Akhil Chugh
Date Sep 14, 2025
Indian markets are currently navigating a turbulent phase marked by global tariff concerns and other geo-political factors. Yet, amid this turbulence, Systematic Investment Plans (SIPs) in mutual funds have continued to attract investors, with inflows of over ₹28,000 crore in August 2025.
This contrast between market uncertainty and investor confidence highlights a critical truth: volatility is not just a challenge but also an opportunity. By strategically increasing your SIP amount during such times, you can convert market dips into long-term wealth creation.
In this blog, let us explore how we can turn turbulence into triumph by leveraging the power of increased SIP investments.
Advantages of Increasing SIP Amount During Volatile Times
- Buy More at Lower Prices – When NAV dips, a higher SIP ensures you accumulate more units at cheaper valuations.
- Boost Long-Term Compounding – Extra contributions early on can multiply significantly over the investment horizon.
- Leverage Market Weakness – Volatility creates temporary opportunities to buy into strong sectors at discounts.
- Stay Ahead of Inflation – Higher SIPs improve your chances of beating rising costs of living.
- Strengthen Financial Discipline – Increasing SIPs helps build consistent savings habits even during uncertainty.
- Enhance Wealth Creation Goals – Aligns your portfolio growth with long-term aspirations like retirement, children’s education, or property purchase.
Illustration: Power of Increasing SIP
Imagine you invest ₹30,000 per month via SIP in an equity mutual fund. Now compare two scenarios — one where you keep it constant, and another where you increase your SIP by 10% every year. Assuming a 12% CAGR:
Scenario 1 – Normal SIP (₹30,000 every month)
- 5 Years → Corpus grows to around ₹24.3 lakhs
- 10 Years → Corpus grows to around ₹67.2 lakhs
- 15 Years → Corpus grows to around ₹1.4 crore
- 20 Years → Corpus grows to around ₹2.8 crore
Scenario 2 – Step-Up SIP (₹30,000 + 10% increase every year)
- 5 Years → Corpus grows to around ₹29.5 lakhs
- 10 Years → Corpus jumps to around ₹1 crore
- 15 Years → Corpus compounds to a massive ₹2.6 crore
- 20 Years →Corpus accumulate up to huge sum of ₹6 crore
Thus, with every dip in the market, an increased SIP amount helps you buy more units at lower prices, reducing the average cost of investment. Over time, this not only accelerates compounding but also creates a far larger wealth corpus compared to a Regular SIP. In short, volatility becomes an advantage, and discipline turns turbulence into triumph.
Investor Takeaway:
A small annual increase in your SIP — as little as 10% — can multiply your wealth nearly 2x over the long term compared to a regular SIP. In volatile markets, this simple step-up strategy ensures you buy more units at lower prices, lower your average cost, and create a much bigger corpus for your future goals.
Conclusion:
Volatility often tests investor patience, but history shows it also creates the best opportunities. By increasing your SIP amount during turbulent times, you not only buy more units at lower prices but also set yourself up for stronger compounding in the long run.
With India’s growth drivers in place, market corrections are less of a threat and more of a chance to invest wisely.
Remember, turbulence today could be the foundation of your triumph tomorrow. Stay disciplined, step up your SIPs, and let the power of time and consistency work in your favour.
Don’t just ride out the volatility—use it to your advantage. Step up your SIPs today and turn every market dip into a wealth-building opportunity. Let’s connect to talk about your next step.
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