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SYSTEMATIC INVESTMENT PLAN

Build Wealth with ₹500/Month — Start Your SIP Today

SIP is the simplest way to grow wealth — invest a fixed amount every month, benefit from rupee cost averaging, and harness the power of compounding over time.

₹500
Minimum monthly SIP
15%+
Avg CAGR (equity SIP)
Auto
Debit setup
SIP Growth Illustration
Monthly SIP₹5,000
Duration20 years
Expected CAGR12% p.a.
Total Invested₹12,00,000
Estimated Corpus₹49,96,000
KEY BENEFITS

Why SIP is India's Most Popular Investment Method

Rupee Cost Averaging

When markets fall, your fixed SIP amount buys more units. When markets rise, your existing units gain value. This natural averaging reduces the impact of market volatility over time.

Power of Compounding

Returns earned on your SIP generate their own returns — a snowball effect that makes early starters disproportionately wealthier than late starters even with smaller amounts.

Fully Automated

Set up once and forget. Auto-debit ensures your SIP runs on the same date every month without you having to remember or manually transfer funds.

Flexible Amounts

Start with ₹500 and increase your SIP amount anytime using the SIP Top-Up feature. As your salary grows, your investment grows proportionately — keeping you on track for your goals.

No Lock-In (except ELSS)

Most equity and debt SIPs have no lock-in period. You can pause, stop, or redeem anytime. ELSS SIPs have a 3-year lock-in per installment but come with Section 80C tax benefits.

Invest Across Fund Categories

Run multiple SIPs across large-cap, mid-cap, small-cap, hybrid, and debt funds simultaneously — creating a well-diversified portfolio from a single dashboard.

WHO SHOULD START A SIP

Is SIP Right for You?

SIP is designed for disciplined, long-term wealth creation and suits almost every income group and life stage.

  • Salaried professionals who can invest a fixed amount every month
  • Young investors starting their first investment in their 20s or 30s
  • Parents saving for a child's education or wedding fund
  • Individuals planning for retirement 15–25 years away
  • Tax savers wanting ELSS deduction under Section 80C
  • Investors who want market exposure without timing risk

What You Need to Start

  • PAN card (mandatory)
  • Aadhaar for KYC (one-time process)
  • Savings bank account for auto-debit
  • Mobile number linked to your bank account
  • Minimum ₹500 as first installment
THE PROCESS

How to Start Your SIP

1
Define Your Goal

Tell us what you're saving for — a home, your child's education, retirement, or general wealth. Your goal determines the fund category, risk level, and SIP duration.

2
KYC in 5 Minutes

Complete your KYC online using your PAN and Aadhaar. This is a one-time process valid across all mutual fund houses and takes under 5 minutes.

3
Select Fund & Amount

Our advisor recommends a fund (or set of funds) matching your goal and risk profile. You choose the SIP date and amount — as low as ₹500 per month.

4
Automate & Track

Register the NACH mandate for auto-debit. Your SIP runs every month automatically. Track your portfolio value, gains, and upcoming SIPs from one dashboard.

Frequently Asked Questions

What happens if I miss a SIP installment?
If your bank account doesn't have sufficient funds on the SIP date, that installment is skipped. Most fund houses allow up to 3 consecutive missed installments before cancelling the SIP. There's no penalty, but missing installments reduces the compounding effect and rupee cost averaging benefits.
Can I pause my SIP temporarily?
Yes, most fund houses allow you to pause a SIP for 1–3 months without cancelling it. This is useful during financial emergencies. You can resume once your finances stabilise. However, using the pause feature too often can impact your long-term wealth creation goal.
Is there a minimum tenure for a SIP?
Technically, you can run a SIP for as few as 6 months, but the real benefits of rupee cost averaging and compounding appear only with 3+ year horizons. For retirement goals, 15–20 year SIPs are recommended. The longer the SIP, the more dramatically compounding works in your favour.
How is a SIP different from a lump-sum investment?
A lump-sum investment puts all money in at once, exposing you fully to market timing risk. SIP spreads the investment over time, averaging out the purchase price. For investors without large lump sums or those nervous about market timing, SIP is generally the preferred approach.
Can I run multiple SIPs in different funds?
Absolutely. In fact, diversifying across 3–5 funds across categories (large-cap, mid-cap, ELSS, debt) is recommended. Each SIP has its own NAV, units, and performance tracking. You can manage all of them from a single platform with FinGarage.

Start a SIP in Under 10 Minutes

Don't wait for the "right time" to invest. The best time to start a SIP is today. Let our advisor help you pick the right fund and amount.