FAQ

A: Not much at all! You can start most SIPs with as little as ₹500 per month, and some funds even allow ₹100 That’s the beauty of SIP – it’s accessible to everyone. You don’t need to wait until you have a big lump sum; even a student or a new employee can begin with a small amount. The key is just to start – you can always increase the investment as you go along.

A: SIPs are very flexible. You can increase your instalment (say, on getting a raise), decrease it, or even pause/stop the SIP if needed. There are no major penalties or charges for doing so. For example, if you have a ₹5,000/month SIP and you want to bump it to ₹7,000 or take a break for a couple of months, it’s completely fine – we’ll help you with the formalities. However, keep in mind that staying invested for the long term is how you get the best results, so it’s good to continue if you can.

A: No, SIP itself is not an investment product but a way of investing in mutual funds. The returns depend on the performance of the mutual fund you choose. Mutual funds invest in markets (stocks, bonds, etc.), so their value can go up or down. Over long periods, good equity funds have historically given good returns, but they are not guaranteed. SIP helps reduce risk through averaging, but it doesn’t make the investment risk-free. Always choose SIPs according to your risk appetite – for example, equity fund SIPs for higher return potential with higher risk, or debt fund SIPs for more stable but modest returns.

A: If you have a large amount ready and the market is low, lump sum can work, but it’s hard to know the right time. SIP offers several advantages: it averages out the cost of investment, reduces the risk of bad market timing, and instills discipline. It’s especially useful for salaried folks who can invest a bit from each paycheck. Lump sum investing runs the risk that you invest all at a market peak (and see a drop thereafter). With SIP, you invest across different market levels, which generally results in smoother, more stable growth. Plus, psychologically, it’s easier – you “set and forget” the SIP, whereas with lump sum you might worry if you invested at the wrong time.

A: Yes, NRIs (Non-Resident Indians) can invest in mutual fund SIPs in India. We have NRI clients from the US, Middle East, Europe, and more. The process involves a bit of extra documentation (like an NRI-specific KYC and using your NRE/NRO bank account for investments), but we will guide you through it. Important: Some countries (like the US/Canada) have certain restrictions with Indian mutual funds due to regulations – we’ll help clarify what funds are available to you. Many NRIs use SIPs to build wealth in India for goals like returning home, or simply to diversify their global portfolio.