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Systematic Investment Plan
Start a SIP from ₹500 a month
A SIP puts a fixed amount into a mutual fund on the same date every month. We help you pick the fund category, finish KYC and set up the first instalment over a call and a few WhatsApp messages. Nothing to install.
- ₹500lowest monthly amount in most schemes
- Any datepick a debit date after salary day
- Pause or stopno penalty from us for changing it
Start a SIP from ₹500
This opens WhatsApp with your details filled in. You press send, we call back.
The basics
What a SIP actually is
A SIP is not a product. It is a way of paying into a mutual fund: a fixed amount, debited from your bank on a fixed date, buying units at whatever the price (NAV) is that day.
- Same date, every monthAn auto-debit mandate (NACH or UPI AutoPay) moves the money. You set it once.
- Units, not a fixed returnYour money buys fund units. Their value moves with the market, up and down.
- Flexible amountStart at ₹500 or ₹1,000 and add a second SIP or a yearly step-up as income grows.
- You stay in controlPause, change or stop a SIP with the fund house. Open-ended funds can be redeemed any working day (ELSS has a 3-year lock-in).
Rupee cost averaging
Falling prices buy you more units
When the NAV drops, the same ₹5,000 buys more units. When it rises, it buys fewer. Over six months in this example your average cost ends up below the average NAV, without you timing anything.
Assumed NAVs for illustration only. Averaging does not protect against loss in a market that keeps falling.
| Month | SIP amount | NAV (assumed) | Units bought |
|---|---|---|---|
| Jan | ₹5,000 | ₹50 | 100.00 |
| Feb | ₹5,000 | ₹40 | 125.00 |
| Mar | ₹5,000 | ₹32 | 156.25 |
| Apr | ₹5,000 | ₹40 | 125.00 |
| May | ₹5,000 | ₹50 | 100.00 |
| Jun | ₹5,000 | ₹55 | 90.91 |
| Total | ₹30,000 | avg ₹44.50 | 697.16 |
Value at June NAV of ₹55: 697.16 units x ₹55 = ₹38,344.
Power of compounding
Ten years earlier changes the number a lot
Same ₹5,000 a month, same assumed 12% a year, both stop at 60. The only difference is the starting age.
Amount invested Growth at the assumed rate
12% p.a. is an assumed rate for illustration, not a promise. Equity fund returns vary year to year and can be negative. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.
SIP or lumpsum
Which one suits your money
Most people with a monthly salary use a SIP. A lumpsum makes sense when you already hold a large amount, such as a bonus, maturity proceeds or a property sale. For equity funds we often split a lumpsum into a liquid fund and move it in over 6 to 12 months (an STP).
Compare in the lumpsum calculator| SIP | Lumpsum | |
|---|---|---|
| How you pay | Fixed amount every month | One payment |
| Starting amount | ₹500 a month | Usually ₹1,000 to ₹5,000 |
| Market timing | Spread across many prices | All at one price |
| Suits | Salary income, long goals | Bonus, maturity, sale proceeds |
| Discipline | Automatic, every month | Needs a decision each time |
| If markets fall soon after | Later instalments buy cheaper | Whole amount takes the dip |
Step-up SIP
Raise the SIP when your salary goes up
A step-up (or top-up) SIP increases your instalment by a fixed percent or rupee amount every year. You decide the step when you register, so the increase happens without another form.
Example over 20 years at an assumed 12% a year. Illustration only.
SIP for goals
One SIP per goal keeps it simple
We link each SIP to a goal, a date and a fund category that fits the time left.
House down payment
5 to 8 years away. Usually a mix of flexi cap and hybrid funds, moving to debt in the last 2 years.
e.g. ₹15,000 a monthChild's education
10 to 15 years away. Equity-heavy early, shifted to safer funds as college comes close.
e.g. ₹8,000 a monthRetirement
20 years or more. The longest goal, where a yearly step-up does the heavy lifting.
e.g. ₹10,000 + 10% a yearEmergency fund
Six months of expenses, built in liquid or short-term debt funds. Not for equity.
e.g. ₹3,000 a monthHow to start with us
Four steps, usually done within a week
You do not need to download anything. KYC is done once and then works across all fund houses.
Book the first callA 15-minute call
Your goals, income, current savings and any SIPs you already run.
Risk profile
A short questionnaire on how you would react to a 20% fall. It decides the fund category, not the other way round.
KYC help
PAN, Aadhaar and a selfie video, done on your phone with us on the line. Already KYC-compliant? We skip this.
First SIP
We register the SIP and the auto-debit mandate. You get the fund house confirmation on email and SMS.
Calculators
Work out your own numbers
Move the sliders. Results use the rate you choose, so treat them as assumed figures, not a forecast.
SIP calculator
Step-up SIP calculator
Calculator results are for illustration at an assumed rate of return. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.
From people who started
Small SIPs, started on a call
I kept saying I would start next month. They set up a ₹2,000 SIP on the call itself, KYC took ten minutes.
I had five SIPs in funds that all held the same stocks. We cut it to two and added a yearly step-up.
They told me plainly my daughter's college fund should not sit in small caps with 6 years left. Fair advice.
When markets fell I wanted to stop. One call, they showed me what my SIP was buying at the lower price. I kept going.
FAQ
SIP questions we hear every week
Anything else, ask on WhatsApp. We reply Monday to Saturday, 10 am to 7 pm.
What is the minimum amount for a SIP?
Most schemes accept ₹500 or ₹1,000 a month. A few index and ELSS funds go as low as ₹100.
What happens if I miss an instalment?
The fund house skips that month. Your bank may charge a mandate bounce fee. After a few misses in a row the SIP can be cancelled, but your existing units stay invested.
Can I withdraw before the SIP ends?
Yes, from open-ended funds on any working day. Some funds charge an exit load if you redeem within a year. ELSS units are locked for 3 years from each instalment.
Which date should I choose?
A date 2 to 5 days after your salary credit, so the debit never bounces. The date itself makes little difference to returns over long periods.
How is SIP income taxed?
Each instalment is taxed separately when you sell. For equity funds, gains on units held over 12 months are long-term capital gains. Debt fund gains are added to your income. Ask us for the current limits before you redeem.
Do you charge a fee?
No fee to you. As a mutual fund distributor we invest through regular plans and receive commission from the fund house, which is part of the scheme's expense ratio. We tell you this upfront.
Will you tell me which fund will give the highest return?
No one can. We suggest a category that fits your goal and time horizon, then review it with you every year.
Start your first SIP this week
One call to understand your goal, then we set it up with you. ₹500 a month is enough to begin.
Vision Wealth is an AMFI-registered Mutual Fund Distributor (ARN: [to be added]) offering investment services. Returns shown on this page are assumed rates for illustration only. Actual returns can be lower or higher. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.