SIP Running 5 Years? Your Goal May Still Be Off Track

Investing in SIPs is only half the job. The other half is checking whether your money is actually growing enough to meet your real goals — like a child's college fund or retirement. Most people skip this review entirely.

Here's what happened: Most mutual fund and SIP apps show portfolio value and returns — but not whether you are on track to reach a specific rupee target by a specific date.. Goal-based investing requires tracking three things together: your target corpus, the inflation-adjusted growth needed, and whether your current SIP amount still closes the gap.. Without a structured periodic review, many investors discover a shortfall too late — when they have fewer years left to increase contributions or shift strategy..

What you should do: Calculate your inflation-adjusted goal corpus today: if your target was ₹50L five years ago, it may now be ₹65–70L at 5% annual inflation — update your number.. Compare your current corpus to where it SHOULD be at this point in time using a SIP goal-tracking calculator (available free on platforms like Scripbox, Kuvera, or ET Money).. Increase your SIP by at least 10% every April when annual salary increments hit — this single habit closes most mid-course shortfalls before they become crises..

If your SIP's current corpus is less than 40% of your total target with less than half your goal timeline remaining, you need an immediate top-up — not a fund switch.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.