Systematic Investment Plan (SIP)

Invest small amounts regularly to build wealth over time. SIPs are a disciplined, flexible and convenient way to invest in mutual funds.

Rule-based investments

Auto-debit

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What is SIP?

A method to invest fixed sums in mutual funds at regular intervals — monthly/quarterly — helping rupee-cost averaging and disciplined investing.

Key Benefits

Disciplined savings, rupee-cost averaging, power of compounding, low entry amount, and flexible stop/start options.

Who is it for?

Beginners, salaried professionals, systematic savers, and long-term investors targeting goals like retirement, education or wealth creation.

How it Works

Set amount & frequency → Auto-debit from bank → Units purchased at NAV → Repeats each period → Track in portfolio.

Types of SIPs

Regular SIP, Top-up SIP, Flexi SIP (varied amounts), and Trigger-based SIPs (value/threshold or market events).

Tax & Exit

Equity funds: long-term capital gains rules apply; debt funds follow different tax rules. Exit loads vary by fund — check scheme documents.

SIP — Step by Step

Choose Goal: Short, medium or long term (e.g., 3 years, 10 years).
Pick Fund: Select mutual fund & scheme based on risk profile.
Decide Amount & Frequency: Eg ₹500 monthly via ECS/Auto-debit/UPI mandate.
Start SIP: SIP starts from the chosen date; units purchased at NAV.
Monitor & Top-up: Review periodically; use top-up SIP to increase investments.

SIP Strategies

Rupee-Cost Averaging

Buy more units when NAV is low, fewer when high — evens out purchase cost over time.

Top-Up SIP

Automatically increase the SIP amount at pre-defined intervals to keep pace with income growth.

Goal-based SIP

Allocate SIPs to specific goals with target dates and required corpus computation.

Flexi SIP

Vary monthly SIP amounts depending on available funds or triggers.

Risk & Returns

Equity SIPs are volatile short-term but historically outperform in long term. Debt SIPs are steadier with lower returns. Diversify across asset classes for balanced risk-return profile.

Costs & Charges

Look for fund expense ratio, exit loads, and taxes. Platform charges (if any) are separate — compare total cost before selecting a plan.

Frequently Asked Questions

SIP Plans

Starter

Custom

Ideal for beginners
Diversified equity funds
Monthly statements

Start SIP

Growth

Custom

Balanced equity & debt
Top-up & Flexi SIP
Quarterly review

Choose Growth

Wealth

Custom

Custom asset allocation
Dedicated advisor
Tax-efficient planning

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