Millions of investors in India start Systematic Investment Plans (SIPs) every year, but most keep the same amount for decades. At first glance, that seems disciplined. But the truth is, a flat SIP does not grow with your life.

Your income increases. Your lifestyle evolves. Inflation continues to rise. Yet, your SIP remains the same, slowing down your wealth creation over time.

At Enrichwise, we call our solution Raftaar, a disciplined Step-Up SIP strategy designed to increase your investments automatically every year. Typically, Raftaar recommends an 11% annual increase, ensuring your wealth keeps pace with your life.

Why Flat SIPs Fall Behind

A ₹20,000 SIP might feel impactful today, but after five years of salary hikes, it’s barely noticeable. The rest of your income often gets absorbed into lifestyle upgrades such as newer phones, higher EMIs, or more travel, while your future goals quietly get costlier.

Raftaar solves this by linking your SIP to your income growth. Every increment becomes an opportunity to invest more, not just spend more.

Why 11% Is the Perfect Step-Up Rate

You could increase SIPs by 5% or 20%, but 11% hits the sweet spot.

Affordable: Matches average annual salary growth in India.
Sustainable: Large enough to make a difference, yet easy to maintain long term.
Powerful: Multiplies wealth dramatically over time through compounding.

Step-Up SIP vs Flat SIP: Real Numbers

Let’s take two investors, each starting with ₹20,000 per month for 20 years at 12% annual returns:

Even at 10% returns, the Raftaar investor still ends up with ₹3.5 Crore versus ₹1.5 Crore, proving that a small behavioral tweak can create a massive long-term difference.

The Behavioral Edge

Successful investing is not just about market returns; it is about investor behaviour. Many people pause SIPs during volatility or spend bonuses impulsively.

Raftaar builds the opposite habit of automatic discipline. Increasing your SIP annually reinforces commitment and channels salary hikes into your long-term goals before lifestyle inflation takes over.

Bonuses Are Acceleration Points

Every festive bonus or appraisal brings the temptation to spend. Raftaar reframes these as wealth accelerators. By dedicating a portion of each bonus to your Step-Up SIP, you add momentum to your wealth journey year after year.

This small habit creates a compounding snowball effect that flat SIPs can never match.

The Real Takeaway

A flat SIP helps you build wealth.
A Raftaar SIP helps you build velocity.

As your salary, ambitions, and expenses rise, your investments must rise too.

Think of it like this:

A runner maintaining one pace finishes the race.
A runner increasing pace every lap finishes faster and stronger.

That is the power of Raftaar.

The Enrichwise Advantage

At Enrichwise, we believe wealth creation is a journey of small, consistent, and intelligent decisions.
Choosing Raftaar, the Step-Up SIP strategy, is one such decision. It aligns your money with your growth, ensures your savings evolve with your life, and helps you reach your goals faster.

So this festive season, don’t just start a SIP.
Give it Raftaar and watch your wealth accelerate.