SIP (Systematic Investment Plan)
Small monthly steps. Big long-term results.
A SIP invests a fixed amount in a mutual fund every month, automatically. It builds the habit of saving, averages out your purchase cost through market ups and downs, and lets compounding grow your money over the years. We help you set the right SIP amount for each goal.
- Start from
- ₹500 a month
- Frequency
- Monthly, quarterly or weekly
- Flexibility
- Pause, increase or stop anytime
- Ideal horizon
- 5 years and more
Choose the sip (systematic investment plan) that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Regular SIP
A fixed amount invested on a chosen date every month.
Step-up SIP
Increase your SIP every year, say by 10%, as your income grows.
Goal-based SIP
SIPs mapped to specific goals like retirement, a home or your child's education.
ELSS SIP
Monthly tax-saving investments under Section 80C.
STP
Park a lumpsum in a debt fund and move it into equity in monthly instalments.
SWP
The reverse of a SIP: withdraw a fixed amount every month, ideal for retirement income.
Why people choose our sip (systematic investment plan) advice
- Start with as little as ₹500 a month
- Rupee cost averaging smooths out market ups and downs
- Compounding grows your wealth faster over time
- Automatic debits build a disciplined saving habit
- No lock-in on most funds (except ELSS)
What to know before you invest
We explain the risks, costs and taxes in plain words, so you invest with clear expectations.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns.
- SIP set-up with auto-debit mandate
- Fund selection for each goal
- Annual step-up planning
- SIP tracking and periodic reviews
- Young earners starting their investment journey
- Salaried people who prefer monthly investing
- Anyone saving for long-term goals
- Investors who don't want to time the market
- Returns are market-linked and not guaranteed
- Missed SIP instalments may attract bank charges
- Exit loads and taxes apply on redemption
- Short holding periods reduce the benefit of averaging
SIP (Systematic Investment Plan) returns: what affects them?
Mutual fund returns are market-linked and not guaranteed. These are the factors that shape what you actually earn over time.
What it depends on
- Type of fund and its mix of equity and debt
- How long you stay invested
- Market conditions during your investment period
- The fund's expense ratio and any exit load
- Taxes on gains as per the capital gains rules in force
- Investing regularly (SIP) versus investing all at once
How to make your money work harder
- Start early and stay invested through market ups and downs
- Match each fund to a goal and its timeline
- Step up your SIP every year with your income
- Review once a year and rebalance if your asset mix drifts
- Avoid stopping SIPs when markets fall
Documents required for SIP (Systematic Investment Plan)
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
KYC Documents
4 items- PAN Card
- Aadhaar Card
- Recent Photograph
- Address Proof (if different from Aadhaar)
Bank & Nominee
3 items- Cancelled Cheque / Bank Statement
- Nominee Details
- Mobile Number & Email linked to PAN
KYC Documents
4 items- Entity PAN Card
- MOA / AOA / COI or Partnership / Trust Deed
- Board Resolution / Authority Letter
- KYC of Authorised Signatories
Bank & Ownership
3 items- Cancelled Cheque / Bank Statement
- Beneficial Ownership Declaration
- FATCA / CRS Declaration
The exact list can vary by fund house and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to your goal
Scroll through the steps to see what we do at each stage.
Expert tips before you invest
- 1Start early: a 10-year head start can more than double your final corpus.
- 2Step up your SIP every year with your salary hike.
- 3Don't stop SIPs when markets fall; that is when you buy more units for the same money.
SIP (Systematic Investment Plan): common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
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- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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Your financial goals,
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