SIP
Systematic investment plan
Investing a fixed amount in a mutual fund every month, automatically.
A SIP buys more units when prices are low and fewer when they're high, and makes investing a habit. You can stop, pause or change it at any time (ELSS instalments are each locked for 3 years).
A step-up SIP raises the amount every year, usually with your salary.
Example
₹10,000 a month for 20 years at 12%: about ₹99.9 lakh, on ₹24 lakh invested.
SIP Calculator
What a monthly mutual fund SIP can grow to at an expected return.
Related terms
Rules as of tax year 2026-27. Written by the Welthr team; last reviewed on . Not financial advice.