My salary increased by 20%. How much should I increase my SIP?
Published 18 September 2026
How do you think about it Bedant?
Your lifestyle will also improve when your income increases, so your entire salary increase does not have to go into investments.
A useful thumb rule discussed in the podcast is: if your salary goes up by 20%, your investments could go up by around 13% to 14%.
For example, if your take-home goes from around ₹2 lakh to ₹2.35 lakh, your SIP could go up by ₹20,000–₹25,000, while the remaining increase gives you some lifestyle buffer.
“If your salary is going up by 20%, your investment should go up by around 13 to 14%.”
This question and answer is derived from the podcast between Bedant and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.
A useful thumb rule discussed in the podcast is: if your salary goes up by 20%, your investments could go up by around 13% to 14%.
For example, if your take-home goes from around ₹2 lakh to ₹2.35 lakh, your SIP could go up by ₹20,000–₹25,000, while the remaining increase gives you some lifestyle buffer.
“If your salary is going up by 20%, your investment should go up by around 13 to 14%.”
This question and answer is derived from the podcast between Bedant and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.