Guided playbook · 3 steps · 2 min
Start your first monthly SIP
3 steps: pick a goal, set a target and timeline, see the monthly SIP you need — plus what regular-plan commissions would quietly cost.
SIP failure is usually goal failure: no target, no timeline, no number. This flow reverses the maths from your goal — inflating today's cost forward, then computing the monthly SIP at your expected return — and shows the direct-vs-regular commission drag over the same horizon.
Projections are illustrations, not predictions. Actual fund returns vary year to year; equity SIPs have delivered roughly 10–14% over long periods historically, with significant volatility.
What are you saving for?
FAQs
How much should I start a SIP with?
Whatever survives a market fall — ₹5,000–10,000/month is a common starting habit. Consistency beats size in the early years.
Direct vs regular plans — does it matter?
Enormously: roughly 1% yearly commission compounds to lakhs over decades. Always choose direct plans.
Can I pause or stop a SIP?
Yes — SIPs are commitments of convenience, not contracts. You can pause, reduce or stop anytime without penalty (exit loads may apply within a year).