How to do SIP? What is SIP? SIP Investment In HINDI (Step By Step)
SIP (Systematic Investment Plan) There is a method through which you invest a fixed amount (like ₹ 500, ₹ 1000 or ₹ 5000) every month in a Mutual Fund.
If you understand in simple language, SIP is a “Monthly Saving + Investment Plan”, in which your money grows gradually and has the possibility of giving good returns in the long run.
For example:
- Investment every month: ₹1000
- Duration: 20 years
- Estimated Returns: 12% per annum
So your total investment would be ₹2.4 lakh, while the potential value could be up to ₹9–10 lakh (returns depend on the market).
In SIP, the fixed amount is automatically deducted from your bank account every month.
Mutual fund units are purchased with that money.
If the market is down then you get more units.
If the market is up then less units are available.
this only Rupee Cost Averaging It is said.
This may reduce the average cost of investment in the long run.
Step 1: Decide your financial goal
First of all decide for what purpose you are investing.
- buying a house
- children’s education
- Retirement
- buying a car
- Wealth Creation
Decide the duration of SIP according to the goal.
Step 2: Choose the right Mutual Fund
Some Popular Mutual Fund Categories
- Large Cap Fund
- Mid Cap Fund
- Small Cap Fund
- Index Fund
- ELSS Tax Saving Fund
- Flexi Cap Fund
If you are a beginner then Index Fund or Large Cap Fund is considered a good option.
Step 3: Complete KYC
KYC is necessary to start SIP.
Documents
- Aadhaar Card
- PAN card
- Mobile Number
- Bank Account
- Passport Size Photo (if required)
Step 4: Choose Investment Platform
You can start SIP:
- AMC Official Website
- Mutual Fund App
- Broker App
- Banking App
Always use SEBI-registered platforms.
Step 5: Select Amount
You can start SIP with even ₹500.
Popular Amount
- ₹500
- ₹1000
- ₹2000
- ₹5000
- ₹10000
Step 6: Select SIP Date
You can choose any date every month.
As
- 1st date
- 5th date
- 10th date
- 15th
- 25th
Step 7: Turn on Auto Debit
Enable Bank Mandate.
After this the money will be automatically deducted every month.
1. Start with less money
Investing can be started with just ₹500.
2. Benefit of Compounding
The sooner you start, the more benefits you can get.
3. No worries about market timing
Investing every month reduces the need to “time” the market.
4. Disciplined Investment
A habit of investing is formed every month.
5. Long Term Wealth Creation
Can help in building good wealth in 10–20 years.
- There is market risk.
- Loss is possible in the short term.
- There is no guaranteed return.
- Choosing the wrong Mutual Fund may reduce returns.
No mutual fund guarantees fixed returns.
Equity Mutual Funds have historically given around 10–15% annual returns (depending on market conditions) in the long run, but future returns may be different.
₹2000 Monthly SIP
Time: 20 years
total investment
₹4,80,000
Estimated Return (12%)
Around ₹19–20 lakh
(This is an example only, actual returns may vary.)
Experts generally recommend taking a minimum 5–10 year outlook for Equity SIPs. If the goal is long-term (such as retirement), 15–20 years or more may be appropriate.
- Students
- Working Professionals
- Housewives
- Business Owners
- Salaried Employees
- Freelancers
- Retired Investors (With Proper Asset Allocation)
| SIP | Lump Sum |
|---|---|
| investment every month | investing together |
| Market Volatility may have an average impact | Timing may be more important |
| easy for beginners | Useful even for experienced investors |
Yes.
If you are new then you can increase SIP amount every year by starting from ₹500.
This is called Step-Up SIP.
- Start investing early.
- Stay tuned for the long term.
- Avoid Panic Selling.
- Increase SIP every year.
- Review your portfolio.
- Do Goal Based Investing.
- Keep emergency funds aside.
Is SIP safe?
SIP is an investment method, the investment itself is in Mutual Funds. Mutual Funds are subject to market risk, so returns are not guaranteed.
What is the minimum amount of SIP?
In many Mutual Funds one can start with ₹ 500.
Can SIP be closed anytime?
Yes.
You can pause or stop SIP at any time.
Can there be loss in SIP?
Yes.
If the market falls, losses may be seen in the short term, but in the long run the impact of fluctuations may be less.
Which Mutual Fund is best?
It depends on your risk profile, financial goal and investment period. Read the Scheme Documents before investing and if necessary, consult a financial advisor.
SIP (Systematic Investment Plan) is a simple and popular way to make regular investments. If you invest disciplinedly for a long time, choose the right mutual fund as per your goals and review from time to time, it can help you meet your financial goals.
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme documents carefully before investing. This article is for educational purposes only and should not be considered investment advice.
Note:- Jobs in Pocket is not a Consultant and will never charge any candidates for Jobs. Please be aware of fraudulent calls or emails.
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