Encourages regular saving through scheduled contributions.
May help reduce the impact of market fluctuations over time.
Potential to grow your money gradually as earnings get reinvested.
Start with a small amount and increase it as your income grows.
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 medium-term financial goals. Review the scheme details, risk factors, and past performance before investing.
No. SIP investments are taxed as per the fund category and holding period.
SIPs are market-linked and may fluctuate, while FDs offer fixed returns. The choice depends on your risk comfort and return expectations.
No. Mutual fund SIPs are subject to market risks, and outcomes are not guaranteed.
You may start with as little as Rs. 500 per month, generally. However, the minimum amount may vary from scheme to scheme and fund house to fund house. You may check the scheme-related documents for information.
Yes, but the process may vary from one fund house or investment platform to another. In some cases, you may need to terminate your existing SIP and start a new one with the revised amount. You may also opt for a step-up SIP, where your contribution is automatically increased by a fixed percentage at regular intervals. Review the scheme’s terms before making changes.
Yes. You may stop or pause your SIP once the 3-year period is complete, as per the scheme’s rules.
No SIP guarantees fixed or specific returns. Outcomes depend on market behaviour and fund performance.
Mutual fund returns are market-linked and do not assure any particular outcome.
How do 3-year SIP plans work?
To begin an SIP for 3 years, select a mutual fund scheme aligned with your goals and risk comfort. Decide your contribution and frequency and maintain the SIP for 36 months. After completion, you may choose to redeem your funds or stay invested further based on your financial goals.
For example, if you invest Rs. 4,000 per month in a hybrid for 36 months, your total invested amount will be Rs. 1,44,000. The final amount will depend on how the market performs during this period.
For illustrative purpose only.
Types of SIP funds suitable for a 3-year horizon
For an SIP for 3 years, debt funds or hybrid funds may be suitable for investors with medium-term goals. Hybrid funds offer a mix of equity and debt exposure that may help balance potential growth and volatility.
| Fund Category | Monthly Investment | Total Invested | Assumed ROI (Annualised) | Final Amount* |
|---|---|---|---|---|
| Large Cap | ₹ 5,000 | ₹ 1,80,000 | 8% | Approx ₹ 1,96,500 |
| Flexi Cap | ₹ 5,000 | ₹ 1,80,000 | 10% | Approx ₹ 2,00,500 |
| Mid Cap | ₹ 5,000 | ₹ 1,80,000 | 12% | Approx ₹ 2,05,000 |
| Small Cap | ₹ 5,000 | ₹ 1,80,000 | 13% | Approx ₹ 2,07,000 |
This is for illustration purposes only. This example uses an assumed return rate. Mutual fund returns are not guaranteed and may fluctuate with market movements. Past performance may or may not be sustained in future and is not a guarantee of any future returns.
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