Investing ₹25,000 through SIP? Here's when you should increase it or start a new fund

Should you top up your existing SIP or start a new one? A ₹25,000/month SIP with a 10% annual top-up can grow to ₹84.35 lakh in 10 years, vs ₹56.01 lakh without one. Experts say the right choice depends on diversification, risk profile and fund performance.