SIP — Systematic Investment Plan
Invest a fixed amount every month and benefit from rupee-cost averaging.
Updated 27 September 2026 · SEBI rules as of 2026Overview
A SIP invests a fixed amount at regular intervals (daily, weekly, monthly, quarterly). It buys more units when prices are low and fewer when high (rupee-cost averaging), builds discipline and harnesses compounding. India had over 10 crore active SIP accounts with monthly SIP inflows of about ₹32,297 crore in August 2026.
| Particular | Details |
|---|---|
| Minimum | ₹100–₹500 in many schemes |
| Frequency | Daily / weekly / monthly / quarterly |
| Mandate | NACH / UPI AutoPay / e-mandate |
| Pause / stop | Allowed anytime (process via AMC/platform) |
| Step-up | Increase SIP yearly by % or amount |
Rupee-cost averaging example
| Month | Invested | NAV | Units |
|---|---|---|---|
| Month 1 | ₹5,000 | ₹50 | 100.00 |
| Month 2 | ₹5,000 | ₹40 | 125.00 |
| Month 3 | ₹5,000 | ₹45 | 111.11 |
| Total | ₹15,000 | Avg cost ₹44.63 | 336.11 units |
SIP types
Fixed amount.
Increase every year.
Vary amount.
Invest on market triggers.
No end date.
Growth of ₹10,000 monthly SIP (assumed 12% p.a.)
| Period | Invested | Estimated value |
|---|---|---|
| 5 years | ₹6,00,000 | ≈ ₹8.2 lakh |
| 10 years | ₹12,00,000 | ≈ ₹23.2 lakh |
| 15 years | ₹18,00,000 | ≈ ₹50.5 lakh |
| 20 years | ₹24,00,000 | ≈ ₹99.9 lakh |
Plan your investment
Frequently asked questions
What if I miss a SIP instalment?
Usually nothing except the missed investment; repeated failures may cancel the SIP and banks may charge bounce fees.
Can I invest any amount via SIP?
Yes, above the scheme minimum; there is no upper limit.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Information is educational and may change with SEBI / tax rules — verify with the AMC, AMFI or SEBI. FinancePortal is not an investment adviser.