An SIP (Systematic Investment Plan) is a way of investing in mutual funds where you invest a fixed amount at regular intervals — for example, monthly or quarterly — instead of investing a single large sum at one time (a lumpsum investment). On Rupeezy, an SIP automates the process: a set amount is invested on a date you choose, in the fund you pick, helping you build a habit of disciplined, long-term investing.
How does an SIP work?
Because you invest the same fixed amount every interval, you keep investing across all market levels. When a fund's NAV (its per-unit price) is high, your fixed amount buys fewer units; when the NAV falls, the same amount buys more units. Over a long period this evens out your purchase price — a benefit known as rupee cost averaging — so the average cost of your holding tends to work in the investor's favour. You don't have to track the market or decide when to invest each time; the SIP does it for you.
Why invest through an SIP?
- Start small. You can begin with a small amount and invest steadily, rather than needing a large sum upfront.
- Stay disciplined. The investment happens automatically on your chosen date, building a regular saving habit and removing the effort of deciding each time.
- Average your cost. Investing through market highs and lows smooths out your purchase price over the long run.
How do I start an SIP on Rupeezy?
Setting up an SIP takes just a few steps — pick a fund, set your amount and date, and approve a one-time payment mandate. For the full walkthrough, see How to start a SIP on Rupeezy?.
As your income grows, you can raise your contribution automatically with an Automatic Step-up SIP, which increases your installment by a set percentage or amount at intervals you choose. Rupeezy also supports an AMC SIP — an SIP registered directly with the fund's Asset Management Company through an auto-debit mandate.