Master SIP investing and turn it into a daily habit
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, etc.) instead of investing a lump sum[web:96][web:97][web:108].
Example: Instead of investing ₹1,00,000 at once, you invest ₹10,000 every month for 10 months. This makes investing accessible and builds discipline[web:102][web:108].
Your returns generate returns. A ₹10,000 monthly SIP at 12% returns becomes ₹1 Crore+ in 20 years[web:100][web:108].
You buy more units when prices are low and fewer when high. This averages out your cost and reduces risk[web:96][web:102][web:111].
Automatic deductions from your bank account create a consistent investment habit without requiring willpower[web:100][web:104][web:108].
Start with as little as ₹500 per month. No need to wait for large capital[web:97][web:102][web:111].
A Step-up SIP (Top-up SIP) allows you to automatically increase your SIP amount at regular intervals (usually annually)[web:101][web:104][web:112].
• Year 1: Start with ₹10,000/month
• Year 2: Automatically increases to ₹11,000/month (10% step-up)
• Year 3: Increases to ₹12,100/month
• Year 4: Increases to ₹13,310/month
This matches your salary increments and accelerates wealth creation[web:101][web:104][web:112]!
₹10,000/month at 12% returns
₹99.9L
₹10,000/month + 10% annual step-up
₹1.97Cr
Nearly 2x more wealth with step-up SIP[web:101][web:104][web:109]!
Are you saving for retirement, child's education, house down payment, or wealth creation? Your goal determines your investment horizon[web:100][web:102][web:108].
High risk tolerance: Equity funds (higher returns, more volatility)
Low risk tolerance: Debt or hybrid funds (stable, lower returns)[web:100][web:102]
One-time Know Your Customer (KYC) verification with PAN card, Aadhaar, and address proof[web:102][web:106].
Use platforms like Groww, Zerodha, Paytm Money, or directly through AMC websites. Research fund performance, expense ratio, and fund manager track record[web:97][web:102][web:106].
Link your bank account and set up NACH (National Automated Clearing House) for automatic monthly deductions[web:100][web:102][web:108].
Set it on your salary date and let it run. Review quarterly but don't react to short-term market noise[web:104][web:108].
It takes approximately 21 days to form a new habit. Make your first 3 SIP deductions your focus period[web:104].
✓Set on salary day: Invest before you can spend[web:104][web:108]
✓Start small: Better ₹1,000 consistently than ₹10,000 sporadically[web:102][web:111]
✓Automate everything: Remove decision fatigue[web:104][web:108]
✓Track progress: Watch your wealth grow monthly[web:100]
✓Annual step-up: Increase with salary increments[web:101][web:104][web:109]
This is when you get more units for your money. Keep investing[web:96][web:104]!
SIP is for long-term (5+ years). Short-term volatility is normal[web:100][web:104].
Look at 5-10 year track record and consistency[web:102][web:108].
5-7 funds are enough. Too many funds = difficult to track[web:100].
50% needs, 30% wants, 20% investments. Dedicate at least 20% of income to SIPs[web:100].
Review and rebalance your portfolio once a year to maintain your asset allocation[web:100][web:108].
Got a raise? Immediately increase your SIP by 10-20%[web:101][web:104][web:109].
Stay invested for at least 5 years to see the real power of compounding[web:102][web:108].
Use our calculator to see how much wealth you can build with SIP
Calculate Your Wealth 🚀Yes, SIPs are flexible. You can pause, stop, or modify them anytime[web:100][web:102].
Missing 1-2 payments won't cancel your SIP. However, consecutive misses may lead to auto-cancellation[web:108].
Start with 10-20% of your monthly income. You can always increase it later[web:100][web:102].
No. Mutual funds are market-linked and returns vary. However, historically, equity SIPs have given 12-15% over long periods[web:96][web:108].