A monthly Systematic Investment Plan (SIP) of ₹14,000, at an expected rate of return of 12%, will give an estimated return of ₹75.24 lakh and total corpus of ₹1.06 crore in 18.5 years. However, with a 10% annual step-up, the same SIP could grow into ₹1.01 crore in 14 years at an assumed annual return of 12%.