SIP

A step-up SIP can turn a modest monthly investment into ₹1 crore+. See the exact numbers and learn how to set it up.

A complete guide to understanding the difference between SIP and SWP in mutual funds. Learn when to use each, how they work, and which one suits your financial goals.

A realistic breakdown of how much you need to invest monthly via SIP to build a corpus of 1 crore. Includes calculators, examples, and tips to get there faster.

A Rs 5,000 monthly SIP can reach Rs 1 crore. The question is how long it takes and what return rate is required. The answer shows why the most important investment decision you make is not which fund to choose, but when to start. The Math at Different Return Rates At a monthly SIP of Rs 5,000, here is the time required to accumulate Rs 1 crore at different annual return rates: ...

There is a well-documented gap between what a mutual fund returns and what the average investor in that fund actually earns. In India, mutual fund inflow data consistently shows that retail investors pour money into funds after strong performance and withdraw after corrections - the textbook definition of buying high and selling low. This gap between fund return and investor return can be 3-5% annually, which over 20 years represents a massive wealth destruction. ...

Every year, Rs 1.5 lakh invested in Section 80C instruments is one of India’s most widely discussed investment decisions. ELSS (Equity Linked Savings Scheme) and PPF (Public Provident Fund) are the two most common choices. They are structurally very different: ELSS is market-linked and has a 3-year lock-in; PPF is government-backed and has a 15-year lock-in with quarterly interest rate revisions. Which one wins over 15 years is not a simple question. ...

Starting a Nifty 50 SIP in January 2000 meant beginning right before the dotcom crash, then surviving the 2001-2002 downturn, the 2004 election shock, the 2008 financial crisis, the 2011-2013 flat period, the 2015-2016 global slowdown, the 2020 COVID crash, and the 2022 rate-hike correction. What were the actual returns? The Starting Point: 2000-2002 The Nifty 50 was around 1,600-1,700 in January 2000, close to its dotcom-era peak. It fell to approximately 850 by September 2001 - a drawdown of roughly 50%. An investor who started an SIP in January 2000 would have seen their early contributions nearly halved in value. ...

Every mutual fund app shows “absolute returns” or “point-to-point returns” for your SIP. Both are wrong ways to measure SIP performance. XIRR is the only honest number.

A Rs. 10,000/month flat SIP over 25 years builds Rs. 1.9 crore. The same SIP stepped up by 10% annually builds Rs. 4.8 crore. The math behind step-up SIPs is more powerful than most calculators show.

For index fund SIPs in India, the platform choice affects your expense ratio access, SIP automation reliability, and long-term cost. Here is a data-based comparison.

The difference between direct and regular mutual fund plans is 0.5-1% per year. On a 20-year SIP, that gap is Rs. 30-50 lakh depending on your corpus size.

The SIP vs lump sum debate has a clear answer in the data - but it depends on when you ask the question. Here is what 20 years of Nifty 50 returns reveal.