New Delhi, Sept. 8 -- SIP calculators can make long-term investing look straightforward. Enter a monthly investment, assume a return and the projected corpus can run into several lakhs or even crores. But one assumption can make these illustrations look more attractive than what an investor may realistically achieve, i.e. the ability to invest the same amount every month for two decades.

DSP Mutual Fund's September 2026 Netra report examines this through an affordability-adjusted SIP analysis. It compares a flat Rs.10,000 monthly SIP with an SIP whose contribution rises in line with income. The analysis shows a sizeable difference in the final corpus.

A fixed SIP projection assumes that an investor can keep putting aside the same amount...