Mutual Fund · SIP

Systematic Investment Plan wealth built one disciplined month at a time.

A SIP automatically invests a fixed amount every month into a mutual fund of your choice — buying more units when prices fall and fewer when they rise. It's the single most effective habit for building long-term wealth, and the one most self-directed investors abandon at the worst possible time.

Start a SIP Talk to an Advisor

₹500

Minimum monthly SIP

AMCs on our panel

14.1%

Nifty 500 median 10-yr SIP XIRR

₹500

Minimum monthly SIP

What is a SIP?

Automate the habit, remove the guesswork.

A Systematic Investment Plan debits a fixed sum from your bank account every month and invests it into the mutual fund scheme you've chosen — smoothing out market volatility and removing the impossible task of 'timing the market'.

Rupee-cost averaging

Automatically buys more units at low prices and fewer at high prices — smoothing your average purchase cost over time.

Power of compounding

A ₹10,000/month SIP at 12% for 20 years grows to over ₹1 Cr — the majority of it from compounding, not principal.

ELSS tax saving

SIPs into ELSS funds qualify for Section 80C deduction up to ₹1.5L/year, with just a 3-year lock-in.

Low entry, flexible commitment

Start with ₹500/month, and pause, increase or stop anytime (except ELSS) — no penalty for regular funds.

Plan features

What a well-structured SIP mandate includes.

More than an auto-debit — a managed, goal-linked investment process.

Step-up SIP

Automatically increases your SIP amount by a set percentage each year, in line with expected income growth.

Goal tagging

Each SIP is tagged to a specific goal so progress can be tracked against a target corpus and date.

Auto-rebalancing

As you near your goal date, allocation gradually shifts from equity to debt to protect accumulated gains.

Consolidated reporting

One dashboard view across all your SIPs and AMCs, instead of logging into multiple fund house portals.

Investment details

Fund categories suited to SIP investing.

The right category depends on your goal horizon — here's how we typically map it.

60-70% typical allocation

Large-cap / Flexi-cap equity

Core long-term holding for goals 7+ years away.

10-20% typical allocation

Mid & small-cap equity

Higher-growth satellite allocation for aggressive, long-horizon investors.

10-30% typical allocation

Debt / hybrid funds

Stability allocation, increased as the goal date approaches.

Up to ₹1.5L/year for 80C

ELSS (tax-saving)

Equity exposure with Section 80C benefit, 3-year lock-in.

How it works

From goal to auto-debit, in four steps.

We set it up once; the discipline runs automatically after that.

Goal map

Every goal — house, child's education, retirement — mapped to a corpus, horizon and monthly SIP amount.

Fund selection

We shortlist funds from 38 AMCs based on rolling returns, risk-adjusted performance and fund manager track record.

Automate

SIP mandates set up across selected funds, with a step-up mandate (5-10% annual increase) by default.

Review

Quarterly portfolio review, annual rebalancing, and goal tracking every 6 months.

Frequently asked

Common questions, honestly answered.

If you're in your 20s or 30s, target 20-25% of monthly take-home toward long-term goals. If that's not possible, start with ₹1,000/month and step it up 10% every year. Consistency and the step-up matter far more than the starting amount.

Yes, anytime, with 30 days' notice to the AMC (except ELSS during its 3-year lock-in). We strongly recommend against pausing during market falls — that's precisely when SIPs accumulate more units at lower prices.

Direct plans have lower expense ratios (0.1-0.5% cheaper per year) because there's no distributor commission. We offer both — regular plans where advisory is worth the fee, and direct plans on a flat-fee model. We disclose exactly what we earn, always.

An RD offers a fixed, guaranteed return. A SIP invests in market-linked mutual funds — no guaranteed return, but historically higher long-term growth potential, especially for equity-oriented SIPs over 7+ year horizons.

Each SIP instalment is treated as a separate investment for tax purposes. Equity fund LTCG (after 1 year, per instalment) above ₹1.25L/year is taxed at 12.5%; STCG at 20%. Debt funds are taxed as per your income slab.

Yes — a step-up SIP (also called top-up SIP) lets you increase the instalment amount by a fixed percentage or amount each year automatically, which we set up as the default for every client.

Expert Guidance

Start your SIP today.

A written, goal-mapped plan first — then a SIP mandate built to match it.

Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns. Pingale Financial Services · AMFI Reg. No. ARN-XXXXXX.