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Mutual Funds
Mutual Funds Basics Every SIP Investor Must Know
Understand NAV, expense ratio, fund categories, direct vs regular plans and how mutual funds power your SIP.
SIP₹y brings you free, fast and remarkably clear SIP calculators, mutual fund knowledge and step-by-step investment guidance — built so every Indian can start a Systematic Investment Plan with confidence, not confusion.
From a basic SIP calculator to step-up SIP, lumpsum, goal-based and retirement planning — pick the tool that matches your investment question and get instant, accurate numbers in seconds.
Calculate expected maturity value of your monthly Systematic Investment Plan with adjustable return rates and tenure.
Open CalculatorProject the future value of a one-time mutual fund investment using expected compound annual growth rate.
Open CalculatorPlan annual SIP top-ups that match your salary growth and watch your corpus grow significantly faster.
Open CalculatorDiscover how a delay of even 1–5 years in starting your SIP can cost you lakhs in lost compounding.
Open CalculatorFind the exact monthly SIP you need to reach any financial goal — home, car, education or wedding.
Open CalculatorSee what ₹100 today will be worth in 10, 20 or 30 years — and why SIP investing fights inflation.
Open CalculatorVisualise the eighth wonder — compound interest — with flexible principal, rate and compounding options.
Open CalculatorPlan a worry-free retirement by computing the SIP corpus you need and the monthly investment required.
Open CalculatorA Systematic Investment Plan (SIP) is the simplest, most disciplined way to invest in mutual funds. It turns small monthly contributions into a sizeable corpus through the power of compounding, rupee cost averaging and time in the market.
You can begin a SIP with as little as ₹500 per month. Over 20–30 years, even modest amounts grow into lakhs and crores thanks to compounding. SIP investing is built for every income level — no lump sum required.
SIPs automatically buy more mutual fund units when markets are low and fewer when markets are high. This averages your purchase cost over time and removes the impossible task of timing the market.
A SIP auto-debits your bank account each month, building an involuntary saving habit. You invest first, spend later — the single biggest reason SIP investors stay wealthy over the long run.
The longer your SIP runs, the harder your returns compound. A ₹10,000 monthly SIP at 12% for 30 years builds over ₹3.5 crore — about ₹3.2 crore of which is pure compounded growth.
SIPs in open-ended mutual funds can be paused, increased, decreased or stopped anytime. There are no lock-ins (except ELSS), making your money accessible while still growing for the future.
A single SIP in a diversified equity fund instantly spreads your money across 50–100 companies. You avoid the risk of picking one wrong stock while still participating in India's growth story.
Before you invest a rupee, understand how SIP works, how it is taxed, how it compares with lumpsum, PPF and stocks, and which myths to ignore. Each guide is written in plain English for Indian investors.
Understand NAV, expense ratio, fund categories, direct vs regular plans and how mutual funds power your SIP.
A clear, data-backed comparison of rupee cost averaging vs lumpsum investing across bull, bear and sideways markets.
See exactly how ₹5,000/month becomes ₹1.2 crore over 30 years — and why starting early beats investing more.
Practical, jargon-free articles on SIP planning, mistakes to avoid, step-up strategies, tax-saving ELSS funds and how to use SIPs for retirement, education and home loans.
If you have ever wondered what a Systematic Investment Plan really is and how it works, this guide breaks it down from first principles.
A walk-through of KYC, choosing a fund, setting the amount, automating the debit and monitoring your SIP — without jargon.
Why increasing your SIP by just 10% every year can add crores to your retirement corpus — with worked examples.
Short, honest answers to the SIP questions Indian investors search most. For the complete 20+ FAQ list, visit our dedicated FAQ page.
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in a mutual fund scheme at regular intervals — usually monthly. On each SIP date, the amount is auto-debited from your bank account and used to buy mutual fund units at that day's NAV. Over time you accumulate units at different price points, benefiting from rupee cost averaging and the power of compounding.
Most mutual funds in India allow you to start a SIP with as little as ₹500 per month. Some index funds and ELSS funds even allow ₹100 SIPs. There is no upper limit — you can invest ₹1 lakh, ₹10 lakh or more per month if the fund permits.
No. SIP returns are not guaranteed because they invest in market-linked mutual funds (equity, debt or hybrid). However, historically, equity mutual fund SIPs held for 7+ years have delivered 10–14% annualised returns. The longer you stay invested, the lower the volatility of returns.
Yes. Open-ended mutual fund SIPs can be paused (usually up to 3–6 months) or stopped at any time without penalty. ELSS funds have a 3-year lock-in per instalment, but you can still stop future SIPs. Stopping a SIP does not force you to redeem your existing units.