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Loans and Investments
Mutual Funds and SIP
Start a SIP or lump sum investment in mutual funds, including ELSS tax-saving funds and goal-based plans, with help from a mutual fund distributor.
- Loans and Investments
- KYC usually takes 1–3 working days; the first SIP instalment depends on the mandate registration date*
About Mutual Funds and SIP
A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. Many schemes allow SIPs from ₹500 a month, so you can start small and build the habit of saving.
We are a mutual fund distributor. We help you complete KYC, understand different types of schemes, and start a SIP or lump sum investment for goals such as your child's education or retirement. We do not promise returns and we are not an investment adviser.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
SIP Calculator
Illustration only, assuming a constant yearly return. Actual returns vary. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Ways to Invest
Choose based on your goal, time frame and comfort with risk.
SIP (Monthly Investment)
Invest a fixed amount every month through an auto-debit from your bank account.
- Many schemes allow SIPs from ₹500 a month
- Pause, increase or stop as scheme rules allow
Lump Sum
Invest a one-time amount, such as a bonus or maturity amount, in one go.
- Suits money you do not need soon
- Can be spread out through a systematic transfer plan
ELSS Tax Saving
Equity funds that may qualify for a deduction under the old tax regime, with a lock-in period.
- Lock-in of three years currently applies
- Tax benefit depends on your regime and current law
Child Education Goal
Plan a regular investment to build a fund for your child's higher studies.
- Set a target amount and year
- Review the plan as the goal gets closer
Retirement Goal
Invest regularly over many years to build a fund for life after work.
- Starting early gives more time to invest
- Review the mix of schemes over time
Who Needs This Service
- Salaried people who want to save a fixed amount every month
- First-time investors who want to start small
- Parents saving for a child's education or marriage
- People planning for retirement
- Taxpayers looking at ELSS under the old tax regime
- Anyone with a lump sum, such as a bonus, to invest
Key Benefits
Start small
Many schemes allow SIPs from ₹500 a month.
KYC and paperwork help
We help you complete KYC and set up your SIP mandate with your bank.
Goal-based planning
We help you link your investments to clear goals and time frames.
Ongoing service
We help with statements, changes to SIP, redemptions and nominee updates.
Eligibility and Applicability
- Resident Indians with a PAN and a bank account
- Minors, through a parent or guardian
- Investors who have completed KYC, or will complete it before investing
- Non-resident Indians, subject to scheme and country rules
KYC rules and tax treatment of mutual funds can change. We point you to the current rules before you invest.
Documents Commonly Required
KYC documents (collected securely after onboarding)
- PAN card
- Aadhaar card
- Recent passport-size photograph
Bank details
- Cancelled cheque or bank statement
- Bank account for SIP auto-debit mandate
Nominee
- Nominee name, relationship and date of birth
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Talk about your goal
Tell us what you are saving for, when you need the money and how much you can invest.
Complete KYC
We help you complete KYC with your PAN, Aadhaar and photo.
Choose schemes
We explain scheme types and risk so you can choose schemes that suit your goal.
Start SIP or lump sum
We help you place the investment and register the SIP mandate with your bank.
Review and service
We help with statements, changes and redemptions when you need them.
Estimated Timeline and Fees
Estimated timeline
KYC usually takes 1–3 working days; the first SIP instalment depends on the mandate registration date
Bank mandate registration can take some days. Timelines are indicative only.
Our service fee
As a distributor, we may receive commission from the fund house, which is included in the scheme's expense ratio. We tell you about any separate service fee in writing first.
Lender / third-party charges
Schemes have an expense ratio and may have an exit load. Stamp duty applies on purchases as per current rules.
* Mutual fund investments are subject to market risks. The value of your investment can go up or down. Past performance may or may not be sustained in future.
Common Mistakes to Avoid
- Stopping a SIP when markets fall
- Investing without a clear goal or time frame
- Choosing a scheme only because of recent returns
- Not adding a nominee
- Redeeming ELSS or other funds without checking exit load and tax
Frequently Asked Questions
What is the minimum SIP amount?
Many schemes allow SIPs from ₹500 a month. The minimum differs by scheme, so check the scheme documents.
Will I get assured returns?
No. Mutual fund returns depend on market performance and are not assured. The value of your investment can go down as well as up.
Are you an investment adviser?
No. We are a mutual fund distributor. We help you understand schemes and complete transactions, but we do not give paid investment advice.
Can I stop my SIP any time?
Yes, you can usually stop or pause a SIP. Units already bought stay invested until you redeem them.
Does ELSS save tax?
ELSS investments may qualify for a deduction under the old tax regime, subject to limits. Check the current law and your chosen regime.
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Talk to Our Team
Have a Question About Mutual Funds & SIP?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
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