Systematic Investment Plans are the most disciplined and proven way to build long-term wealth. Harness the power of compounding starting with just ₹500 per month.
Disciplined investing with the proven power of compounding — available to everyone
Buy more units when markets are low and fewer when high. Automatically averages your purchase cost, reducing the impact of market volatility.
No large lump sum needed. Begin your wealth creation journey with the smallest amounts and increase as your income grows.
₹10,000/month SIP at 12% for 20 years grows to over ₹99 Lakhs. Your returns earn returns — exponential wealth creation.
Set it and forget it. Auto-debit from your bank on a fixed date every month. No manual intervention needed.
Top-up, pause, skip or stop anytime without any penalty. Complete control over your investment — zero lock-in for most funds.
All mutual funds are SEBI regulated. Professional fund managers, transparent NAV, audited accounts — your money is in safe hands.
Use our detailed calculator to plan your SIP and visualize long-term wealth creation
Understand the key differences between SIP and Lumpsum investing
| Parameter | SIP | Lumpsum |
|---|---|---|
| Investment Style | Regular periodic investment | One-time large investment |
| Minimum Amount | ₹500 per installment | ₹5,000 typically |
| Market Timing Risk | Very Low (averaged) | High (entry point critical) |
| Ideal For | Salaried / Monthly income earners | Windfall, bonus, inheritance |
| Rupee Cost Averaging | Yes — built in | No |
| Discipline Factor | High (automated) | One-time decision |
| Best Market Conditions | All market conditions | During market lows |
| Psychological Comfort | High — gradual investing | May cause anxiety in volatile markets |
Consistently top-performing mutual funds for SIP — live NAV & returns from AMFI
Live top 6 funds ranked by 1Y CAGR • Data from AMFI via mfapi.in • Click any card to research • Past returns do not guarantee future performance.
Get full scheme details — live NAV, CAGR across periods, and complete NAV history chart
Choose the SIP strategy that best aligns with your financial goals
The most common form. Fixed amount invested at fixed intervals. Simple, automated and consistent.
Increase your SIP amount periodically (annually) in line with income growth. Powerful wealth accelerator.
No end date. Keeps running until you actively stop. Ideal for very long-term wealth creation goals.
Automatically invests extra when markets fall to a set level. Takes advantage of market dips systematically.
Vary the installment amount each period based on your cash availability. Complete adaptability.
Some SIPs offer term insurance cover at minimal or no extra cost. Dual benefit of investment + protection.
Simple 4-step process to start building wealth through SIP
Select from equity, debt, hybrid or thematic funds based on your risk profile and investment horizon.
Decide monthly installment (min ₹500). Link your bank account for auto-debit.
On your chosen date each month, the amount is auto-debited and units are allocated at prevailing NAV.
Track your portfolio, monitor returns, and stay invested for long-term compounding benefits.
Everything you need to know about SIP investment
SIP (Systematic Investment Plan) is a method of investing in a mutual fund by making regular periodic investments rather than a one-time lumpsum. A mutual fund is the actual investment vehicle (pooled fund), while SIP is just the mode of investing in it. You can invest in the same mutual fund through either SIP or lumpsum.
Most mutual funds allow SIP investments starting from just ₹500 per month. Some funds even allow ₹100/month. There is no upper limit — you can invest as much as you like per installment.
SIP in equity funds involves market risk and your principal can fluctuate in the short term. However, over long periods (7+ years), historically no SIP in diversified equity funds has given negative returns. Debt fund SIPs are significantly safer but give lower returns.
Yes, for most mutual funds you can stop or pause your SIP at any time without any penalty. You simply need to submit a cancellation/pause request to your fund house or investment platform, usually 30 days before the next SIP date.
When you stop a SIP, only future installments stop. Your existing invested units remain in the fund and continue to grow. You can redeem them whenever you choose, subject to any applicable exit load and tax rules.
A Step-Up SIP (also called Top-Up SIP) allows you to automatically increase your SIP amount at regular intervals (usually annually) by a fixed amount or percentage. For example, increasing ₹5,000/month SIP by 10% every year dramatically increases your final corpus due to enhanced compounding.
For equity mutual funds (holding period >1 year): LTCG above ₹1 lakh is taxed at 10%. For holding <1 year: STCG at 15%. For debt funds: Gains are added to your income and taxed at your income slab rate. ELSS funds have a 3-year lock-in but offer 80C deduction up to ₹1.5L.
NAV (Net Asset Value) is the per-unit price of a mutual fund. When you invest via SIP, units are allotted at the NAV on the investment date. A lower NAV means more units allocated. SIP benefits from Rupee Cost Averaging — you automatically buy more units when NAV is low and fewer when high.
Yes, NRIs can invest in Indian mutual funds through SIP using their NRE (repatriable) or NRO (non-repatriable) accounts. However, NRIs from the US and Canada face restrictions from some fund houses due to FATCA compliance. NRIs should consult their fund house for specific requirements.
CAGR (Compound Annual Growth Rate) is the preferred metric for SIP returns as it accounts for time and compounding. Absolute return just shows total % gain without considering time. For a ₹1,000/month SIP over 10 years at 12% CAGR, the absolute return is much higher than 120% because each installment has a different investment duration.
From monthly SIPs to HNI strategies — find the right mutual fund product for your goals
The best time to start a SIP was 10 years ago. The second best time is right now.