What Is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals — monthly, weekly, or daily. It's not a separate product but a way of investing in mutual funds that brings discipline and the benefit of rupee cost averaging.
The Power of SIP
?10,000 monthly SIP at 12% returns:
? After 10 years: ?23.2 Lakh (invested ?12L)
? After 20 years: ?1 Crore (invested ?24L)
? After 30 years: ?3.5 Crore (invested ?36L)
Benefits of SIP Investing
Rupee Cost Averaging
You buy more units when price is low, fewer when high. This averages your cost and reduces the impact of market volatility.
Automated Discipline
Set it and forget it. Auto-debit ensures you invest regularly without remembering or deciding each month.
Start Small
Begin with just ?500/month. No large lump sum needed. Perfect for beginners and young investors.
Time in Market
SIP keeps you invested through all market cycles. You don't need to time the market — time IN the market matters more.
Types of SIPs
Regular SIP
Fixed amount invested on a fixed date every month. The most common and simplest form.
Step-Up SIP (Top-Up SIP)
SIP amount increases by a fixed percentage (usually 10%) every year. Aligns with salary growth. Significantly boosts long-term corpus.
Flexible SIP
Allows you to change SIP amount based on cash flow. Invest more in good months, less in tight months.
Trigger SIP
Invest based on market conditions — e.g., invest extra when Nifty falls below a certain level. For experienced investors only.
Calculate Your SIP Returns
Use our SIP Calculator to see how your monthly investment can grow.
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