Get Started with SIPs in our Recommended SIP Funds for Long-Term Wealth Creation
Get Started with SIPs in our Recommended SIP Funds for Long-Term Wealth Creation
Get Started with SIPs in our Recommended SIP Funds for Long-Term Wealth Creation
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SIP allows you to invest a certain amount at regular intervals. It is a planned approach towards investments and helps you the habit of saving and building wealth for the future. SIP Calculator helps you to calculate how small investments made at regular intervals can yield much better returns over a long period of time.

With the equity markets on the rise, now is the right time to make your money work for you. At FundsIndia, we are big supporters of systemeatic investments and we bring you few of the best performing funds for SIPs to kick-start your investments.

Best SIP Plans to Invest in 2019.


3 Year Returns (%)

5 Year Returns (%)


3 Year Returns (%)

5 Year Returns (%)


3 Year Returns (%)

5 Year Returns (%)


3 Year Returns (%)

5 Year Returns (%)


3 Year Returns (%)

5 Year Returns (%)

Past performance may or may not be sustained in future (As on 29/05/2020)

FundsIndia: One place for all your mutual funds and other investments. SEBI-registered. Secure. Convenient. Free.

Best SIP Plans to Invest in 2019.

Scheme Name
FundsIndia Rating
3 Year Returns (%)
5 Year Returns (%)
SBI BlueChip Fund-Reg(G) -1.36 3.33
Franklin India Equity Fund(G) -3.81 1.14
Mirae Asset Large Cap Fund-Reg(G) 0.72 5.69
HDFC Mid-Cap Opportunities Fund(G) -5.18 2.76
ICICI Pru Bluechip Fund(G) 0.31 4.1

Past performance may or may not be sustained in future(As on 29/05/2020)

FundsIndia: One place for all your mutual funds and other investments. SEBI-registered. Secure. Convenient. Free.


At, we provide an online investment platform, and we offer free advisory services. One of the most frequent advisory questions that we get from our investors is typically this - "I can save x thousand rupees every month. I would like to invest in mutual funds through SIP. Please suggest some funds for me". We are delighted to get such mails because systematic investments in mutual funds are the best way to turn savings into efficient investment vehicles. In this article, let me talk about a simple method to construct a good SIP portfolio.

First, decide upon the asset allocation - By asset allocation what I mean is how much money goes every month into what kind of mutual fund. It is possible to get very complicated with this, but to keep it simple you can focus on just three types of funds - large-cap oriented funds, small/mid-cap funds and debt funds. A typical allocation would be 50% in large-cap oriented funds, 20-30% in small-mid/cap oriented funds, and the rest in debt funds. To ensure stable and optimal returns, every SIP portfolio should have some debt fund component in it. It can just be a small portion - 20-25% of the monthly investment, if your portfolio is an aggressive portfolio for the long term.

Second, decide upon the number of schemes in your portfolio - Given the fact that we have three prime asset classes as above, your portfolio should have at least three schemes in it. On the upper side, it should not have more than seven-eight schemes. More than that, and your portfolio becomes difficult to track and manage. Ideally, a portfolio would have five schemes - four equity schemes, and one debt scheme.

Third, decide on the schemes - this is the last thing to do while designing the portfolio, not the first. Once you know what kind of schemes you are looking for and how many of each kind (from steps 1 and 2 above), this step becomes a simple choice. You can go to research websites like or Mint 50 and look at their top rated funds. You can simply pick one or two in each class that you are interested in and you'll have your portfolio ready!

Advantages of Investing in Systematic Investment Plan (SIP) through

SIP is short for Systematic Investment Plan. SIP is nothing but a method of mutual fund investing.

There are two main ways to invest in mutual fund schemes - lumpsum and SIP.

Lumpsum investment is when you invest all your available funds at one go into a particular scheme.

SIP is when you leave standing instructions with your bank / AMC to automatically invest a predetermined amount of money into a particular mutual fund scheme at predetermined intervals, usually monthly.

A SIP investment is one where a certain amount of money is automatically invested into a mutual fund scheme at fixed intervals.

Yes, lump sum amounts can be added to an existing SIP in the same scheme.

Yes, a lump sum can be added to an existing SIP scheme. For example, Mr. A invests Rs.10,000 every month into through SIP into a mutual fund scheme since January 2017. In June 2017 he gets a bonus of Rs.1,00,000 and wants to invest this before he spends it. Mr. A can invest this Rs.1,00,000 into the same mutual fund scheme on which he has the active SIP. It will increase the value of his investment by Rs.1,00,000 - and the SIP will continue unaffected like normal.

Yes, the SIP period (tenure) can be extended.

The SIP period can be increased. For example, Mr. A starts investing in a mutual fund through SIP in January 2017 thinking that he wants to invest for 12 months. In January 2018 he decides to extend it for another 12 months - all Mr. A has to do is approach the fund house or platform through which he started the investment and request that it be extended for another 12 months (or how many ever months as necessary)

No, the amount being invested in a mutual fund scheme through SIP cannot be increased or decreased.

The amount being invested through a regular SIP every month is fixed at the time of starting the investment. If this amount is to be changed, the easiest way is to close the existing SIP and start a new one.

There is an alternative option available for investors who wish to increase the amount that gets auto-deducted by the SIP. Working professionals who are assured of annual salary increases leave standing instructions with their bank to increase the amount sent as an investment through their SIP to their chosen mutual fund.

SIP amount can be increased in the case of a Step-Up SIP. A Step-Up SIP functions the same way as a regular SIP except that the investor sets standing instructions for the amount to be increased by “x” amount or “y” percentage at intervals of “n” months.

For example, Mr. A wants to start investing in a mutual fund through SIP in January 2017 with installments of Rs.10,000 every month. Mr. A is confident that by January 2018 he will be able to send an additional Rs.5,000 per month towards his SIP payments. By setting up a step-up SIP, the increase of Rs.5,000 will happen automatically in January 2018 (i.e. after 12 months). Mr. A can set any amount of increase - by percentage or by Rupee amount - to happen every 6 months, 18 months, or any other fixed duration depending on his needs.Mr. A currently earns Rs.6,00,000 p.a. and assumes that he will earn 20% more every year as per industry standards. As per Mr. A’s calculations of salary and cost of living increases the amount he will invest out of his salary will be:

Rs.10,000/month = Rs.1,20,000 in 2017
Rs.15,000/month = Rs.1,80,000 in 2018
Rs.20,000/month = Rs.2,40,000 in 2019
Rs.25,000/month = Rs.3,00,000 in 2020

Rs.30,000/month = Rs.3,60,000 in 2021
which is a total of Rs.12,00,000 invested by the end of the investment tenure. As opposed to a total of only Rs.6,00,000 by 2021 if he’d invested through a regular SIP. This has many advantages as the returns on the SIP are compounded and the ever increasing value of the investment means that the returns have the benefit of going through the roof. Read about the 8th wonder of the world compounding, here.

Yes, monthly payments through SIP towards a mutual fund can be stopped at any time the investor chooses. Systematic investment plans are avenues through which investors can establish an automatic voluntary contribution towards a mutual fund scheme and as such are not penalized for pausing or halting these investments.

SIP can be stopped at any time without penalty charges.

Yes, it is possible to lose money in low duration SIPs. When SIP investments are seen through to the medium or long-term (7 to 20 years), real returns (after adjusting for inflation, etc.) are far higher than those of guaranteed investment avenues.

SIPs are just a way to invest in mutual funds, meaning that the “returns on SIP” are just the returns generated by the mutual fund scheme. There are thousands of mutual fund schemes that can be invested in through the SIP route. Mutual funds vary in the amount of risk they undertake and the level of returns that they can potentially generate over different periods of time. There are short-term mutual fund schemes that offer the possibility of high returns in the short term, but expose the invested amount to a greater degree of risk - but as there are so many different funds out there - this is not always the case. A risk-averse SIP investor may choose a plan that has historically provided positive returns in the medium term, and lose money if he/she decides to terminate the investment in the short term itself after seeing negative returns occur for some time. Most SIP investments have historically provided excellent returns in the medium to long-term.

To open a SIP account, follow these easy steps:

Step 1: Log on to an online mutual fund platform like and create a free account.

Step 2: Enter your information like name, DOB, address, bank account details, etc.

Step 3: Upload KYC documents.

Step 4: Speak with the mutual fund investment expert and market analyst at FundsIndia to determine your individual goals and the amount of risk you’re willing to take.

Step 5: Pick a mutual fund scheme, start the SIP and watch your money grow!

It’s really that easy to get started investing in mutual funds with FundsIndia.

You can stop or cancel your SIP at any time of your choosing. To stop a SIP, just write to the fund house or platform through which the SIP was started and request that it be closed.

You can also just stop paying SIP installments and the SIP account will automatically terminate after 2 months. There is no levy or penalty charged for stopping SIP installment payments.

Yes, SIP is an excellent way to invest in mutual funds and grow wealth.

Investing through SIPs can greatly reduce the risk exposure of a mutual fund investment, allowing for excellent growth over the medium and long-term with the option to simply stop installments if the scheme is negative for too long and cut losses.

Investing in ELSS through SIP makes the amount invested tax-free up to Rs.1,50,000.

SIP investments have many benefits like:
Rupee Cost Averaging: The value of units in a mutual fund scheme rises and falls with the performance of the fund. Thus, the number of units purchased through monthly SIP installments increases and decreases depending on the NAV (Net Asset Value) of the fund on the SIP installment date. Thus, the number of units purchased for a fixed amount of money fluctuates - and usually results in more units owned (in total) when investing through SIP as compared to a lump sum - because a low performing month could fetch a huge number of units and conversely well performing months will grab fewer units. This is called Rupee Cost Averaging.
Flexible: SIP installments can be stopped at any time, allowing for greater flexibility and control by the investor.
Disciplined: Investing a fixed amount at regular intervals inculcates a high degree of financial discipline among investors. This financial discipline is an invaluable asset in the current free market.
Unnoticed but impactful: SIP instalments into a mutual fund scheme can start from as low as Rs.1,000 per month. For most working professionals, this is an amount that won’t be greatly missed as it is equivalent to a meal at a restaurant or a night out. The incredibly powerful effect of this amount multiplying and compounding month-on-month, however, have surprised many a SIP investor after a few years as the returns + compounding offers excellent returns.
Quick and easy: SIP investments can be set up quickly and easily online through 100% secure online registration and KYC. Simply log on and create a free account within minutes.
Perfect for first-time investors: Individuals new to investing and the world of mutual funds can learn the ropes with a minimal amount of risk by starting a SIP for a low amount and tracking it online.

You will not be charged any penalty for missing SIP payments. If you miss more than two consecutive SIP payments, your investment will be automatically terminated.

SIP is a method of investing in mutual funds. SIP stands for Systematic Investment Plan. Through the SIP investment route, a fixed amount is invested into a mutual fund scheme at fixed intervals for a certain tenure. The amount earned by the mutual fund scheme is added to the investment account along with the periodic investments and the compounding effect results in huge gains over time.

There is no difference - SIP is just a method of investing in mutual fund schemes. Traditionally, the method of investing in mutual funds was in a lump-sum but now a new method exists called SIP which is safer and has many benefits.

A SIP calculator is a tool through which an investor can estimate the value of any SIP investment at the end of its tenure.
The SIP calculator can also estimate how much needs to be invested at regular intervals in order to reach a particular goal.
Check out the FundsIndia SIP calculator.

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You can invest a flexible amount within a pre-set range every month in a fund/portfolio of your choice.

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FundsIndia is India's friendliest online investment platform. Here, investors (resident Indians and NRIs) get access to a wide range of Mutual Funds, Equities from the Bombay Stock Exchange (BSE), Corporate Deposits from premium companies, and various other investment products in one convenient online location.

FundsIndia also offers a host of beneficial value-added services like free financial advisory services, flexible types of Systematic Investment Plans (SIPs), trigger-based investing, Portfolio-level SIPs, SIP Designer, Value-averaging Investment Plans (VIPs), instant Portfolio X-rays, and so much more that further enrich an investor's investment experience. Also, with India's most complete automated advisory service, Money Mitr, investors can get great mutual fund recommendations for lump sum and SIP-investing automagically.

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