Invest a fixed amount every month.
Invest for 2 years to work towards a short-term goal.
Option to stop or modify the SIP after 2 years.
Returns vary as per fund performance and are not fixed.
Equity funds are those mutual funds that invest predominantly in equity and equity related instruments... Know More
These funds invest in fixed income instruments, such as Corporate and Government... Know More
Hybrid mutual funds are diversified investment vehicles that invest in both equity and debt securities.... Know More
An index fund is a type of mutual fund that tracks the performance of a market index, like the Nifty 50 or BSE Sensex... Know More
Debt or hybrid funds may be suitable for short-term goals. Review scheme documents and fund performance before investing.
No. Capital gains on your SIPs are taxed based on the type of fund and the holding period.
SIPs are market-linked and may fluctuate, while FDs offer fixed returns. Choice depends on risk comfort and return expectations.
No. SIPs are subject to market risks, and returns are not guaranteed.
You can start with as little as ₹500 per month, generally. The minimum application amount may vary across funds and fund houses.
Yes, but depending on the fund house’s policies and facilities, you may need to terminate your existing SIP and start a new one with the revised amount. Many fund houses also offer step-up SIPs, where your SIP amount is automatically increased by a percentage of your choice at regular intervals. Check the fund’s terms before investing.
Yes. You may pause or stop your SIP after the tenure.
No SIP guarantees specific returns. Fund performance varies, and past returns are not indicative of future outcomes. Generally, equity funds have the potential to offer higher returns over time but can be extremely volatile in the short term.
Mutual fund returns are market-linked and do not guarantee any fixed or assured outcome.
How do 2-year SIP plans work?
To begin an SIP for 2 years, choose a fund that matches your financial objective and risk comfort. Decide the monthly amount you wish to invest and continue your SIP for 24 months. Once the period ends, you may redeem your investment or stay invested as per your goals.
For example, if you invest ₹3,000 per month in a Flexi Cap Fund for 24 months, your total invested amount will be ₹72,000. The final value will depend on how the market performs during that period.
For illustrative purpose only.
Types of SIP funds suitable for a 2-year horizon
For an SIP for 2 years, debt or hybrid funds may be relatively more stable choices. Debt funds invest in fixed-income instruments that typically display lower volatility, while hybrid funds combine exposure between equity and debt, offering potential long-term growth with some stability. Here are some possible scenarios of how an SIP for two years might play out.
Examples of SIP for 2 Year
| Fund Category | Monthly Investment | Total Invested | Assumed ROI (Annualised) | Final Amount* |
|---|---|---|---|---|
| Large Cap | ₹ 5,000 | ₹ 1,20,000 | 8% | Approx ₹ 1,26,500 |
| Flexi Cap | ₹ 5,000 | ₹ 1,20,000 | 10% | Approx ₹ 1,27,800 |
| Mid Cap | ₹ 5,000 | ₹ 1,20,000 | 12% | Approx ₹ 1,29,500 |
| Small Cap | ₹ 5,000 | ₹ 1,20,000 | 13% | Approx ₹ 1,30,200 |
Example is for illustration purposes only. This example uses an assumed return rate. Mutual fund returns are not guaranteed and can fluctuate based on market trends. Past performance may or may not be sustained in future and is not a guarantee of any future returns
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