# Your Guide on How to Change SIP Amount

**Published:** 2025-05-12T13:50:48.320Z
**Updated:** 2026-08-11T16:04:58.654Z
**Author:** Aashima Mongia
**Reviewer:** Atul Kathuria
**Original Url:** https://www.policybazaar.ae/investment-plans/articles/how-to-change-in-sip-amount/

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Systematic Investment Plans (SIPs) are a popular investment option for mutual funds in the UAE. Through this route, you can easily invest in your favourite mutual funds at your decided frequency. However, considering the ever-changing financial circumstances and requirements, the query of ‘can we increase SIP amount in between’ often surfaces.

## Can I Change Amount in SIP?

It’s important to be clear from the start — you won’t find many options if you’re wondering “Can I change my SIP amount?”

The only major options in this scenario are [SIP](https://www.policybazaar.ae/investment-plans/sip-investment/) top-ups and cancellation. However, there is one more way, although its availability depends on your broker.

  

## How to Change SIP Amount?

As mentioned earlier, the increase or decrease in SIP amount can be primarily made through a few options.

Let’s discuss each one in more detail here —

### **1\. Via Top-ups**

Top-up SIPs, also known as step-up SIPs, allow you to increase your contributions at defined intervals. Here, the amount that you invest in a specific period increases by a fixed amount or percentage.

Here’s an example of the same —

Both Aman and Bilal invest AED 2,000 per month in SIPs and decide to go for a top-up every year.

Aman chooses a percentage increase at the rate of 10%. Bilal, meanwhile, opts to increase the amount by AED 200.

Here’s how their investments will look like in the future —

| Year | Investment Amount for |
| --- | --- |
| 1st | Aman: AED 2,000<br>Bilal: AED 2,000 |
| 2nd | Aman: AED 2,200<br>Bilal: AED 2,200 |
| 3rd | Aman: AED 2,420<br>Bilal: AED 2,400 |
| 4th | Aman: AED 2,662<br>Bilal: AED 2,600 |

This type of SIP amount increase is ideal for salaried individuals who receive regular half-yearly or yearly increments. In this case, SIP contributions are automatically increased considering the increment in your salary without any manual intervention.

Note: SIP top-ups are possible only at certain intervals.

### **2\. Via Policy Cancellation**

If the purpose behind your query of ‘can I change my monthly SIP amount’ is to decrease your regular investment amount, you cannot take an SIP top-up.

In such a case, you can simply cancel your existing SIP. Once done, you can start a new one at a lower amount that matches your requirements.

To cancel your SIP, you will need to submit a request to the fund house. This can be done offline or through its website or mobile app.

Important: Keep in mind that early exits can bring exit charges and more. Furthermore, your [investment goals](https://www.policybazaar.ae/investment-plans/) can be impacted. Thus, it is advisable to have a word with a financial advisor before making any changes.

### **3\. Via Broker’s Website**

You don’t always need to cancel or start a new SIP — some brokers offer you the option to modify your SIPs in a few simple steps.

*   Visit the broker’s site
*   Choose the ‘SIPs’ option under ‘Mutual Funds’
*   Choose the SIP you want to modify
*   Select the option to edit or modify SIP and save the changes

## Guide to Investment Plans in UAE

*   [Best Short Term Investments](https://www.policybazaar.ae/7-best-short-term-investment-options-with-high-returns-in-the-uae-ipart/)
*   [Top Mutual Funds in UAE](https://www.policybazaar.ae/top-10-best-mutual-funds-in-uae-to-invest-ipart/)
*   [How to Invest AED 10000](https://www.policybazaar.ae/smart-ways-to-invest-aed-10000-ipart/)
*   [Top SIP Investment Plans](https://www.policybazaar.ae/top-5-sip-plans-for-investment-in-uae-ipart/)
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*   [National Bonds in UAE](https://www.policybazaar.ae/investment-plans/articles/national-bonds-uae/)
*   [Investing AED 2000 in UAE](https://www.policybazaar.ae/investment-plans/articles/how-to-invest-aed-2000-in-uae/)
*   [Top Retirement Plans in UAE](https://www.policybazaar.ae/investment-plans/articles/retirement-plans-in-uae/)
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*   [Top UAE Investment Banks](https://www.policybazaar.ae/investment-plans/articles/investment-banks-in-uae/)
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### Can we increase the amount in existing SIP?

Yes, you can increase the investment amount in your SIP via SIP top-ups. The increase can be in terms of a fixed percentage or amount.

### How to decide how much amount to change in SIP?

With SIP top-ups, you can consider the general inflation rate or the average increment in your salary over the years and match the increase rate accordingly. However, before making a decision, consider your liabilities, family planning, and other factors as well.

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Last Updated At - 12 May 2025

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