Large-cap / Flexi-cap equity
Core long-term holding for goals 7+ years away.
Range
60-70% typical allocation
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.
₹500
Minimum monthly SIP
38
AMCs on our panel
14.1%
Nifty 500 median 10-yr SIP XIRR
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.
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Goal tagging
Each SIP is tagged to a specific goal so progress can be tracked against a target corpus and date.
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Auto-rebalancing
As you near your goal date, allocation gradually shifts from equity to debt to protect accumulated gains.
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Consolidated reporting
One dashboard view across all your SIPs and AMCs, instead of logging into multiple fund house portals.
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Flexibility
Security
Long-term growth
Investment details
Fund categories suited to SIP investing.
The right category depends on your goal horizon — here's how we typically map it.
Mid & small-cap equity
Higher-growth satellite allocation for aggressive, long-horizon investors.
Range
10-20% typical allocation
Debt / hybrid funds
Stability allocation, increased as the goal date approaches.
Range
10-30% typical allocation
ELSS (tax-saving)
Equity exposure with Section 80C benefit, 3-year lock-in.
Range
Up to ₹1.5L/year for 80C
How it works
From goal to auto-debit, in four steps.
We set it up once; the discipline runs automatically after that.
Simple processHassle-free claims
01
01
Goal map
Every goal — house, child's education, retirement — mapped to a corpus, horizon and monthly SIP amount.
02
02
Fund selection
We shortlist funds from 38 AMCs based on rolling returns, risk-adjusted performance and fund manager track record.
03
03
Automate
SIP mandates set up across selected funds, with a step-up mandate (5-10% annual increase) by default.
04
04
Review
Quarterly portfolio review, annual rebalancing, and goal tracking every 6 months.
FAQs
Frequently asked
questions.
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.
Clear answers. Better decisions.
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.