{"id":65078,"date":"2022-08-16T17:02:58","date_gmt":"2022-08-16T11:32:58","guid":{"rendered":"https:\/\/www.squareyards.com\/blog\/?p=65078"},"modified":"2022-08-23T11:56:37","modified_gmt":"2022-08-23T06:26:37","slug":"systematic-investment-plan-sip-invstart","status":"publish","type":"post","link":"https:\/\/www.squareyards.com\/blog\/systematic-investment-plan-sip-invstart","title":{"rendered":"What is SIP? | How Systematic Investment Plan Works in India?"},"content":{"rendered":"\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Investments are paramount choices if you want to cut corners and make a fortune over the long term. But nothing in life is free, and investing is no different. It has a price, which is the associated risks. So, where should I invest? The finest option for resolving your financial investment problems is to pin your hopes on a SIP investment. In addition to providing security and competitive interest rates, some SIPs are also tax-free.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">A Systematic Investment Plan (SIP), also referred to as SIP, is a tool provided by mutual funds to help investors make disciplined investments. The SIP option enables an investor to make fixed investments in the mutual fund scheme of their choice at predetermined intervals. The predetermined SIP periods might be weekly, monthly, quarterly, semi-annually, or annually, and the preset sum of money could be as small as Rs. 500. Due to average costing and the power of compounding, an investor who counts on the SIP as an investment mechanism can do it in a time-bound manner. The best part about SIP investment is that you don&#8217;t have to worry about the unsteady market.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\">\r\n<h2>Table of contents<\/h2>\r\n<ul>\r\n<li><a href=\"#h-what-is-sip-systematic-investment-plan-in-india\" data-level=\"2\">What is SIP &#8211; Systematic Investment Plan in India?<\/a><\/li>\r\n<li><a href=\"#h-benefits-of-investing-in-sip\" data-level=\"2\">Benefits of Investing in SIP<\/a>\r\n<ul>\r\n<li><a href=\"#h-convenience\" data-level=\"3\">Convenience<\/a><\/li>\r\n<li><a href=\"#h-rupee-cost-averaging\" data-level=\"3\">Rupee Cost Averaging<\/a><\/li>\r\n<li><a href=\"#h-power-of-compounding\" data-level=\"3\">Power of Compounding<\/a><\/li>\r\n<li><a href=\"#h-2x-higher-returns-than-rd\" data-level=\"3\">2x Higher Returns than RD<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-types-of-sip-systematic-investment-plan\" data-level=\"2\">Types of SIP &#8211; Systematic Investment Plan<\/a>\r\n<ul>\r\n<li><a href=\"#h-top-up-sip\" data-level=\"3\">Top-up SIP<\/a><\/li>\r\n<li><a href=\"#h-flexible-sip\" data-level=\"3\">Flexible SIP<\/a><\/li>\r\n<li><a href=\"#h-perpetual-sip\" data-level=\"3\">Perpetual SIP<\/a><\/li>\r\n<li><a href=\"#h-trigger-sip\" data-level=\"3\">Trigger SIP<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-why-should-you-choose-and-invest-through-sip\" data-level=\"2\">Why Should You Choose and Invest through SIP?<\/a>\r\n<ul>\r\n<li><a href=\"#h-minimum-investment-amount-is-as-low-as-rs-500\" data-level=\"3\">Minimum Investment Amount is as Low as Rs. 500<\/a><\/li>\r\n<li><a href=\"#h-unlocks-the-power-of-compounding\" data-level=\"3\">Unlocks the Power of Compounding<\/a><\/li>\r\n<li><a href=\"#h-develops-a-disciplined-investment-habit-in-investors\" data-level=\"3\">Develops a Disciplined Investment Habit in Investors<\/a><\/li>\r\n<li><a href=\"#h-rupee-cost-averaging-1\" data-level=\"3\">Rupee Cost Averaging<\/a><\/li>\r\n<li><a href=\"#h-acts-as-an-emergency-fund-in-unexpected-situations\" data-level=\"3\">Acts as an Emergency Fund in Unexpected Situations<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-how-do-sips-work\" data-level=\"2\">How do SIPs Work?<\/a>\r\n<ul>\r\n<li><a href=\"#h-rupee-cost-averaging-2\" data-level=\"3\">Rupee-Cost Averaging<\/a><\/li>\r\n<li><a href=\"#h-average-cost\" data-level=\"3\">Average Cost<\/a><\/li>\r\n<li><a href=\"#h-average-price\" data-level=\"3\">Average Price<\/a><\/li>\r\n<li><a href=\"#h-power-of-compounding-1\" data-level=\"3\">Power of Compounding<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-how-to-choose-and-invest-in-sip\" data-level=\"2\">How to Choose and Invest in SIP?<\/a><\/li>\r\n<li><a href=\"#h-mistakes-to-avoid-while-investing-in-sip\" data-level=\"2\">Mistakes to Avoid While Investing in SIP<\/a><\/li>\r\n<li><a href=\"#h-tax-benefits-of-investing-in-sip\" data-level=\"2\">Tax Benefits of Investing in SIP<\/a><\/li>\r\n<li><a href=\"#h-sip-vs-lump-sum-investment\" data-level=\"2\">SIP vs Lump Sum Investment<\/a><\/li>\r\n<li><a href=\"#h-top-sip-mutual-funds-in-india\" data-level=\"2\">Top SIP Mutual Funds in India<\/a><\/li>\r\n<li><a href=\"#h-types-of-funds-for-sip-to-invest-in-2022\" data-level=\"2\">Types of Funds for SIP to Invest in 2022<\/a>\r\n<ul>\r\n<li><a href=\"#h-best-sip-mutual-funds-to-invest-in-2022-equity\" data-level=\"3\">Best SIP Mutual Funds to Invest in 2022 (Equity)<\/a><\/li>\r\n<li><a href=\"#h-best-sip-mutual-funds-to-invest-in-2022-hybrid\" data-level=\"3\">Best SIP Mutual Funds to Invest in 2022 (Hybrid)<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-how-do-i-start-stop-a-sip\" data-level=\"2\">How Do I Start\/Stop a SIP?<\/a><\/li>\r\n<li><a href=\"#h-what-happens-when-you-miss-an-instalment\" data-level=\"2\">What Happens When You Miss an Instalment?<\/a>\r\n<ul>\r\n<li><a href=\"#h-in-summary\" data-level=\"3\">In Summary<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-faq-s-about-sip\" data-level=\"2\">FAQ&#8217;s about SIP<\/a><\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-what-is-sip-systematic-investment-plan-in-india\">What is SIP &#8211; Systematic Investment Plan in India?<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">A SIP, or Systematic Investment Plan, is a regularly used term. SIP plans in India let you periodically invest a set amount in your preferred mutual fund schemes. You can easily\u00a0 increase the SIP premium via compound interest.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">In a nutshell, SIP investment allows you to make predetermined contributions once a week, month, or quarter whatever suits you the best. It is a hassle-free investment option that will enable you to save and earn money.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP mutual funds come with flexibility and allow investors to decide when they want to opt-out from investing in the plan or change their contribution amount. For novice investors and those less familiar with the workings of the financial market, SIP is the safest and wisest option.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-investing-in-sip\">Benefits of Investing in SIP<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">When you count on SIP investments, as an investor, you unlock doors to numerous other benefits. Individuals can generate significant returns with planned mutual funds by making small and frequent investments. Following are some of the key advantages of investing in SIP:<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-convenience\">Convenience<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">You can make investments methodically and stepwise by using SIP. Investors can start investing through SIP with an amount as low as Rs. 500, making it one of the easiest and most convenient investment methods.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Additionally, the investors can give the bank a mandate to make the SIP investment automatically each month.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-rupee-cost-averaging\">Rupee Cost Averaging<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">With the SIP mutual funds, there is no need to stick to market timing because you can purchase more units during periods of low market performance and fewer units during periods of great market performance. This lowers the overall cost of the investment.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-power-of-compounding\">Power of Compounding<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Regular investing is one of the finest strategies to build financial stability. Over time, a modest sum that is consistently invested can eventually double. Compared to a one-time investment, the advantage of compound interest guarantees successful long-term returns.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-2x-higher-returns-than-rd\">2x Higher Returns than RD<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">When you count on a SIP, you get the benefit of securing higher returns unlike any other investment option, including Fixed Deposits and Recurring Deposits. This makes it considerably easier to combat inflation.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP mutual funds offer rewards regardless of the overall fund market performance while assisting with market volatility.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-types-of-sip-systematic-investment-plan\">Types of SIP &#8211; Systematic Investment Plan<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP provides you with four options for investing. Based on your needs and what SIP is offering, you can rely on any of them. Here is a brief explanation of the four types of SIPs to help you choose the right investment strategy that fits your needs.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-top-up-sip\">Top-up SIP<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">You can gradually surge the investment amount with a top-up SIP. This also means that you get the option to maximise the SIP mutual fund investment by counting on making periodic contributions to high-performing mutual fund schemes. When your income rises, you can increase the amount you invest.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-flexible-sip\">Flexible SIP<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">With a Flexible SIP, you can alter your investment amount in accordance with the available resources and cash flow. In this way, if you run into financial difficulties for any reason, there\u2019s the possibility of skipping one or more instalments. You don\u2019t need to burden yourself for that specific time frame. You can contribute more to your SIP account when you earn a bonus or increased income.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-perpetual-sip\">Perpetual SIP<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIPs often have a defined duration of one year, three years, or five years. If you omit the end date from the mandate date, the SIP will be referred to as a Perpetual SIP. With this type of SIP, you can redeem your funds anytime necessary or, more specifically, after reaching your financial objectives. However, it is preferable to designate a pre-specified end date for the SIP contribution to creating a focused and disciplined investing portfolio.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-trigger-sip\">Trigger SIP<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">For investors with little experience in the financial market, Trigger SIP is the foremost option. It allows the investor to set NAV, start date, and index level. This sort of SIP mutual fund encourages speculating; hence it is neither desirable nor highly advised.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-why-should-you-choose-and-invest-through-sip\">Why Should You Choose and Invest through SIP?<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">The &#8220;Save First, Spend Next&#8221; principle underlies SIP\u2019s operations. Instead of making a single investment, investors can make a defined amount of investments through SIPs at regular intervals. Investors can select any interval, i.e. once a week, month, or quarter. Here\u2019s why you should count on investing through SIP:<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-minimum-investment-amount-is-as-low-as-rs-500\">Minimum Investment Amount is as Low as Rs. 500<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">A minimum of Rs. 500 can be used by investors to begin a SIP mutual fund. Additionally, there is no upper limit for the SIP mutual fund\u2019s investment amount. The investor can enhance the monthly instalment by a factor of 15% by counting on spending a pre-fixed sum at their discretion without feeling any financial strain.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-unlocks-the-power-of-compounding\">Unlocks the Power of Compounding<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP provides the investors with the power of compounding through which investors can earn income on their initial investment over an extended period of time. As a result, the long-term return on investment is greater than the initial outlay.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-develops-a-disciplined-investment-habit-in-investors\">Develops a Disciplined Investment Habit in Investors<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP encourages investors to develop a disciplined habit by requiring them to invest a set sum of money on a regular basis at predetermined intervals of time. Additionally, investors cannot skip an investment as the SIPs come with automatic payment options. With automatic payment, the money is withdrawn from the investors&#8217; bank account and transferred to the SIP investment.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-rupee-cost-averaging-1\">Rupee Cost Averaging<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Investments in mutual funds are prone to volatility. In contrast, rupee cost averaging in SIP allows investors to purchase more units during a low market performance and fewer units during an upsurge market performance. This results in lowering the overall cost per unit.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-acts-as-an-emergency-fund-in-unexpected-situations\">Acts as an Emergency Fund in Unexpected Situations<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">With a quick withdrawal process, the SIP might serve as an emergency fund in case of unforeseen circumstances. Additionally, through SIPs, people can achieve their life&#8217;s financial goals and build wealth over the long term.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-how-do-sips-work\">How do SIPs Work?<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Systematic Investment Plans (SIP), are financial instruments that are frequently related to mutual funds. Instead of making a huge one-time payment, SIPs allow investors to buy units of the mutual fund on a regular basis. Many investors attest to the advantages of SIPs over one-time investments.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">With a SIP, you won&#8217;t have to worry about how the money is being managed because a team of professionals, i.e. fund managers, will be making the crucial calls at the appropriate times. Therefore, it is important to comprehend how the SIP path might help in making your money work along with escalating the returns.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">In a SIP, investors purchase mutual fund units at predetermined intervals based on the amount invested and their Net Asset Value (NAV). The then-current value is credited to your account when you redeem these units. These units continue to accumulate until the investment tenure.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP mutual fund investing is a straightforward and hassle-free process. Your money is automatically taken from your bank account and is further invested in dedicated mutual funds. The investor purchases the mutual fund in which the amount will be invested while applying for the best SIP. At the end of the day, you are given a specific amount of units based on the Net Asset Value of the funds. Every time you invest, you select the best SIP in India, and new mutual fund units are piled into your SIP account as per the current SIP interest rate.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">For investing in the stock market, one does not need to be an expert in market timing. There are several rates for buying units. Investors purchase more units when prices are high, whereas they purchase fewer units when prices are low.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Rupee Cost Averaging and the Power of Compounding are two strategies that investors in even the greatest SIP\u2019s can use to their advantage.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-rupee-cost-averaging-2\">Rupee-Cost Averaging<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">India&#8217;s stock markets are subject to sudden changes. As a result, it can be challenging to choose when to invest and when not to. Rupee-cost Averaging assists investors in solving this issue. It enables you to earn more units; specifically, the per unit price is low and fewer units when the price is high on your invested funds.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Let us understand this through a quick example. Say you decide to invest Rs.500 on a monthly basis from 1st July 2022 to 1st June 2023.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">The following table will help you to understand that the per unit cost on average is lower than the average Net Asset Value.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Date\/Month<\/strong><\/td>\r\n<td><strong>Net Asset Value<\/strong><\/td>\r\n<td><strong>Purchased Units<\/strong><\/td>\r\n<td><strong>Amount<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st July 2022<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">450.87<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2.28<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st August 2022<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">470.83<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2.16<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st September 2022<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">480.72<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2.07<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st October 2022<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">458.8<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2.16<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st November 2022<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">490.57<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2.22<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st December 2022<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">525.7<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.82<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st January 2023<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">546.01<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st February 2023<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">650.6<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.62<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st March 2023<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">646.17<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.31<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st April 2023<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">630.85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.41<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st May 2023<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">703.34<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.32<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">1st June 2023\u00a0<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">703.34<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.42<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\"> INR 500<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Total<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">6757.8<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">21.64<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 6000<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Average Cost<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 277.27<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Average Price<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">INR 563.15<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-average-cost\">Average Cost<\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Overall Amount \/ Total Number of Units\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">6000\/21.64<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">INR 277.27<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-average-price\">Average Price<\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Sum of Net Asset Values (NAV) \/ Time Frame of the Investment<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">6757.8\/12<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">INR 563.15<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">From the above computation, it is clear that the average cost is lower than the average per unit price. Thus, Rupee-Cost Averaging allows you to secure surged returns by purchasing units at lower costs.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">In addition to Rupee-Cost Averaging, SIP also works as per Compounding.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-power-of-compounding-1\">Power of Compounding<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">You receive interest on any invested amount in a SIP mutual fund. Over time, these interest rates compound and accrue. The fund value would increase as the tenure lengthens. Because of the power of compounding, you can increase your wealth if you invest for a longer tenure. As a result, when you start making investments early in life, you will end up accumulating more wealth compared to an individual who starts later.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Let\u2019s refer to an example to understand how the power of compounding works in a SIP. The below-depicted table will give you a clear idea about the power of compounding in generating maximised returns.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>End of the Year<\/strong><\/td>\r\n<td><strong>Five Percent<\/strong><\/td>\r\n<td><strong>Ten Percent<\/strong><\/td>\r\n<td><strong>Fifteen Percent<\/strong><\/td>\r\n<td><strong>Twenty Percent<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">First<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9105<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9110<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9115<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9120<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Fifth<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9128<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9161<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9201<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9249<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Tenth<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9163<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9259<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9405<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9619<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Fifteenth<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9208<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9418<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9814<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b91541<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Twenty-Fifth<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9339<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b91083<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b93292<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">\u20b9 9540<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><strong>Don&#8217;t miss It<\/strong><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>Voluntary Provident Fund<\/td>\r\n<td><a href=\"https:\/\/www.squareyards.com\/blog\/voluntary-provident-fund-vpf-invstart\" target=\"_blank\" rel=\"noopener\">VPF: Overview, Interest Rates &amp; Benefits<\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-and-invest-in-sip\">How to Choose and Invest in SIP?<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">All of the information pertaining to different mutual funds is available online for investors. However, there are a few things that should be considered before investing.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<ul>\r\n<li style=\"text-align: justify;\"><b>Duration of SIP<\/b><span style=\"font-weight: 400;\">: From the perspectives of risk, return, and tax, the length of a SIP mutual fund is a crucial factor to take into account. Investors should monitor the overall fund performance throughout the market and have a point of comparison of five years in mind when making SIP investments.<\/span><\/li>\r\n<li style=\"text-align: justify;\"><b>Performance of the Fund Hous<\/b><span style=\"font-weight: 400;\">e: Before selecting a plan, it is crucial to research the fund house&#8217;s reputation. Investors can estimate how successfully a fund house will handle the market&#8217;s ups and downs without making the investors feel the effects based on the fund house&#8217;s performance.<\/span><\/li>\r\n<li style=\"text-align: justify;\"><b>Asset under Management<\/b><span style=\"font-weight: 400;\">: When selecting the fund, the asset size of Rs. 500 crores can be used as an adequate benchmark. The funds below this asset level may not perform as well as the ones placed above this asset size, but that does not necessarily indicate they are poor assets.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">The SIP mutual fund investment process is straightforward and hassle-free. Investors should keep the following points in mind when making SIP investments.<\/span><\/p>\r\n\r\n\r\n\r\n<ul>\r\n<li style=\"text-align: justify;\"><b>Objective of the Investment<\/b><span style=\"font-weight: 400;\">: SIP mutual fund investments come with a predetermined objective and aim. Investors can select the investment option based on their current obligations and ambitions.<\/span><\/li>\r\n<li style=\"text-align: justify;\"><b>Choose the Correct Plan<\/b><span style=\"font-weight: 400;\">: Because there are numerous SIPs in the market, choose the correct plan by looking at the previous fund performance.\u00a0 Additionally, the investors should select the programmes that are best for them based on their objectives.<\/span><\/li>\r\n<li style=\"text-align: justify;\"><b>KYC<\/b><span style=\"font-weight: 400;\">: A net-banking account is required for investing in any type of SIP mutual fund and completing the KYC paperwork. Investors can choose the e-KYC alternative to complete the process by uploading the required documents online.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-mistakes-to-avoid-while-investing-in-sip\">Mistakes to Avoid While Investing in SIP<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Investors typically choose funds depending on the risk profile, commitment length, and returns offered in the past decade. To prevent losing money in a market crash, these factors must be reviewed, but there are also a number of other factors that must be evaluated.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Six frequent mistakes that investors make when making SIP investments are listed below:<\/span><\/p>\r\n\r\n\r\n\r\n<ul>\r\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Counting on Inappropriate Fund<\/b><span style=\"font-weight: 400;\">: The first step in mutual fund investment is to select one or more funds to place your money. It is essential to be aware of your investment objective, anticipated returns, and risk tolerance before making the payment. Before beginning an investment, it is advisable to carry out extensive research and analysis. If you are investing to cope with long-term objectives, picking the incorrect fund could jeopardise your financial plans.<\/span><\/li>\r\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>High Investment Quantity<\/b><span style=\"font-weight: 400;\">: Because SIPs let you invest small sums of money consistently in mutual funds, be careful not to choose an investment amount that you might not be able to maintain for the remainder of the year. To get the results you had initially hoped for, you must determine a sum that you can afford to invest each month.<\/span><\/li>\r\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Small Investors:<\/b><span style=\"font-weight: 400;\"> Since SIPs do not allow for lump sum contributions, there is a prevalent misconception that SIPs are just for small investors. Indeed, that isn&#8217;t the actual scenario. For instance, if your investment goal was INR 5,000 monthly, SIP is still a viable option for you because you can make a lump-sum SIP investment of INR 50,000. The major reasons for this are the SIP&#8217;s guiding concepts of rupee-cost averaging and compounding.<\/span><\/li>\r\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Short-term Investment<\/b><span style=\"font-weight: 400;\">: SIP investors frequently commit this additional error. The length of time an investment is kept in the market determines its worth, not the amount invested. In other words, the investment value will increase as the investment duration lengthens.<\/span><\/li>\r\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Set Unrealistic Goals<\/b><span style=\"font-weight: 400;\">: Inexperienced investors sometimes make unachievable investment goals and then kick themselves. It is wise to avoid setting unrealistic expectations for the future of your current investment. Instead, you want to plan on average returns and keep making your regular investments. It goes without saying that anticipating returns of 50 to 100 per cent rather than 10 to 20 per cent is unrealistic.<\/span><\/li>\r\n<li style=\"font-weight: 400; text-align: justify;\" aria-level=\"1\"><b>Not to Boost SIP<\/b><span style=\"font-weight: 400;\">: We occasionally experience both financially prosperous and difficult periods. When your finances are strong, you have the money to make a one-time lump sum contribution to the SIP account. There are some funds that allow you to increase your investment by adding a lump sum payment to your SIP account within the same portfolio. When you count on the blend of regular funds along with a lump sum investment, you likely yield a higher return than a typical SIP.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-tax-benefits-of-investing-in-sip\">Tax Benefits of Investing in SIP<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIPs help you make disciplined investments and lower your tax burden. A tax exemption is available for SIPs in Equity-Linked Savings Scheme (ELSS) under the Income Tax Act &#8211; Section 80C, 1961. Be aware that only an amount up to INR 1.5 lakhs is eligible for tax exemption under this provision.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">As a result, you must begin a SIP in an ELSS Mutual Fund designed with tax savings in mind if you want to save money. The Equity Linked Savings Scheme locks in the invested amount for three years and has a more considerable equity exposure.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Additionally, it&#8217;s crucial to establish a SIP early in the fiscal year so that the collected funds can provide you with a sizable tax benefit by the end of the fiscal year. Knowing the investment amount in advance allows you to budget your expenses appropriately and make sure you&#8217;re getting the most out of Section 80C.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-sip-vs-lump-sum-investment\">SIP vs Lump Sum Investment<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Following are the key differences between SIP (Systematic Investment Plan) and the Lump Sum Investment:\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Features<\/strong><\/td>\r\n<td><strong>SIP<\/strong><\/td>\r\n<td><strong>Lump Sum<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Market Monitor<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">It is recommended to monitor the market cycle over the entire SIP period.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Considering that investments are typically made for the long term, investors are not bound to market monitoring.\u00a0<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Flexibility<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">In comparison to the lump sum strategy, it is thought to be more flexible because investments can be made based on the investor&#8217;s financial situation.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Lump sum investment options come with no flexibility.\u00a0<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Market Volatility<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">SIPs do not solely depend on market turbulence.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">The Lump Sum Investment option is somehow highly responsive to market volatility.\u00a0\u00a0<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Financial Discipline<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">SIPs foster financial consistency in the investor&#8217;s life by forming a routine of consistent savings.<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">The Lump Sum investment does not offer any financial discipline to the investor because it is a one-time investing approach.<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-top-sip-mutual-funds-in-india\">Top SIP Mutual Funds in India<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">There are numerous SIPs to invest in. Deciding which one to count on can be a bit confusing. Here\u2019s the list of top Mutual Funds in India that can be invested upon\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">SIP Mutual Fund<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">3-Year Investment Returns (In Percent)<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Birla SL Frontline Equity Fund<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">23.15%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">SBI BlueChip Fund-Regular<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">26.25%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">BNP Paribas Mid Cap Fund<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">33.82%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Mirae Asset India Opportunities Fund-Regular<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">27.45%<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Franklin India Prima Plus Fund<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">27.17%<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Investors can easily invest in the above listed five funds with the intent to make regular investments through a SIP and have a high to moderate risk tolerance. Always utilise a trustworthy SIP calculator before investing to determine the likely return on your money.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-types-of-funds-for-sip-to-invest-in-2022\">Types of Funds for SIP to Invest in 2022<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">You can either count on Equity-based SIP Mutual Funds or Hybrid SIP Mutual Funds per your financial obligations and objectives, Here\u2019s the list of top equity and hybrid SIPs to invest in 2022.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-best-sip-mutual-funds-to-invest-in-2022-equity\">Best SIP Mutual Funds to Invest in 2022 (Equity)<\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Following table lists the best Mutual Funds in India based upon Equity:\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>SIP Mutual Fund<\/strong><\/td>\r\n<td><strong>Asset Under Management (In Crs)<\/strong><\/td>\r\n<td><strong>Expense Ratio<\/strong><\/td>\r\n<td><strong>3-Year Return ( In Percent)<\/strong><\/td>\r\n<td><strong>5-Year Return (In Percent)<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Motilal Oswal Midcap 30 (Direct-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2575 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.93<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">24.03 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">13.03 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Canara Robeco Small Cap Fund (Direct-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2621 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.39<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">34.15 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">NA<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Nippon India Multi Cap Fund\u00a0 (Direct Plan-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">11268 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.39<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">14.48 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">11.83 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">ICICI Prudential Large &amp; Mid Cap Fund (Direct Plan- Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">4973 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.2<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">17.78 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">12.15 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">HDFC Flexi Cap Fund (Direct Plan-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">26511 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.06<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">14.01 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">11.62 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Nippon India Large Cap Fund (Direct Plan -Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">10585 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.08<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">12.21 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">10.97 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">PGIM India Midcap Opportunities Fund (Direct Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">5169 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.45<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">34.19 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">18.16 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Nippon India Small Cap Fund (Direct Plan-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">18358 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.03<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">29.35 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">16.9 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">SBI Magnum Midcap Fund (Direct Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">6741 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.03<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">25.04 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">12.5 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Axis Small Cap Fund (Direct Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">8956 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.48<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">27.63 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">19.03 %<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-best-sip-mutual-funds-to-invest-in-2022-hybrid\">Best SIP Mutual Funds to Invest in 2022 (Hybrid)<\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Following table lists the best Mutual Funds in India based upon Hybrid option:\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>SIP Mutual Fund<\/strong><\/td>\r\n<td><strong>Asset under Management (In Crs)<\/strong><\/td>\r\n<td><strong>Expense Ratio<\/strong><\/td>\r\n<td><strong>3-Year Return (In Percent)<\/strong><\/td>\r\n<td><strong>5-Year Return (In Percent)<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">ICICI Prudential Equity &amp; Debt Fund (Direct Plan-Growth)\u00a0<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">18587 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.25<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">17.64 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">13.31 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">HDFC Balanced Advantage Fund (Direct Plan-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">43079 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.98<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">13.06 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">10.51 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">ICICI Prudential Balanced Advantage Fund (Direct Plan-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">40064 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">11.97 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">10.36 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Tata Balanced Advantage Fund (Direct-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">5100 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.31<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">12.92 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">NA<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">UTI Hybrid Equity Fund-Growth (Direct-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">4069 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">1.46<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">13.64 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">9.12 %<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Kotak Equity Hybrid (Direct-Growth)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">2539 Crs<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">0.64<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">16.46 %<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">11.64 %<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-start-stop-a-sip\">How Do I Start\/Stop a SIP?<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">Before investing in any mutual funds, you must finish the KYC procedure. This is accomplished by providing specific documents as identification and address proof. A SIP can be started or stopped very simply and conveniently.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Here\u2019s how to start and stop a SIP:<\/span><\/p>\r\n\r\n\r\n\r\n<p><b>Step 1<\/b><span style=\"font-weight: 400;\">: Select the SIP mutual fund scheme you are looking forward to investing in.<\/span><\/p>\r\n\r\n\r\n\r\n<p><b>Step 2<\/b><span style=\"font-weight: 400;\">: You can either count on the online or offline mode as per your convenience:<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><strong>Online Mode:<\/strong> Visit the official website of the mutual fund provider and purchase the decided SIP.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><strong>Offline mode:<\/strong> Visit the branch, fill out and submit the application form for the same.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><b>Step 3<\/b><span style=\"font-weight: 400;\">: Get in touch with your bank executive, and fill out the form allowing the fund company to deduct the payments towards the purchase. Usually, banks take 7 to 30 days for approval.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><b>Step 4<\/b><span style=\"font-weight: 400;\">: And that is it! Your SIP will be activated for the chosen time frame.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><b>Step 5<\/b><span style=\"font-weight: 400;\">: If you want to opt-out or stop your SIP at any point, you just have to submit a written request for the same. The best part is you don&#8217;t have to pay any penalty for opting out of the SIP investment.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><b>Step 6<\/b><span style=\"font-weight: 400;\">: This may take 7 to 30 days, based on your bank and the mutual fund organisation.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-when-you-miss-an-instalment\">What Happens When You Miss an Instalment?<\/h2>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">As an investor, you don&#8217;t have to bear any penalty even if you miss one or even two instalments. SIP falls under the simple investment category; thus, you don\u2019t have to sign any contract for the same. The mutual fund organisation would at most halt the SIP, preventing further payments from being taken out of your account.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-in-summary\">In Summary<\/h3>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">If you are looking to secure wads of money through investment, the SIP mutual fund is the paramount choice. A Systematic Investment Plan is a powerful yet the most convenient investment method with the potential to create a prolonged wealth corpus. After going through the blog, it&#8217;s pretty clear that as an investor, you must be aware of Mutual Funds, the best Mutual Funds in India to invest in, the best SIP to invest in, its tax benefits and much more.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\"><span style=\"font-weight: 400;\">SIP investments are practical and aid in creating a long-term smart habit of consistent saving and investing. Long-term SIP investing increases your profits. It enables you to invest consistently in a certain mutual funds programme. With SIP investments, you can choose your investment size and frequency while still receiving the benefits of investing in a mutual fund at a cheap cost.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-faq-s-about-sip\">FAQ&#8217;s about SIP<\/h2>\r\n\r\n\r\n\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q1. How long does one need to stay invested in SIP?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>You need to stay invested in SIP for at least five years to secure good returns from the best SIP in India. However, the longer you stay invested in the SIP Mutual Fund, the more the chances to get higher investment returns. Empirically, it also takes at least five years to average the losses, market risks, and the power of compounding acting in the back.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q2. Can I start with \u20b9 500 and keep adding?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>Yes, a Systematic Investment Plan offers the investor with much-needed flexibility. You can open a SIP with a small amount, as low as 500, and keep adding per your objectives and financial stability.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q3. Is SIP a good investment?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>Yes, when it comes to generating high returns with the involvement of lesser risks, nothing can beat SIPs.<\/p>\r\n\r\n\r\n\r\n<p>Additionally, it allows you to pay monthly, weekly, or quarterly payments, eliminating the burden of paying a huge lump sum amount.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q4. Is SIP better than FD?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>SIP is a better investment alternative than FD as it has more liquidity. The amount is provided within three days if investors decide to redeem or withdraw their SIP for equity funds.<\/p>\r\n\r\n\r\n\r\n<p>On the other hand, FDs are difficult to redeem. Even if you reach there, you must uphold the withdrawal charges.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q5. Can I lose money in SIP?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>Yes, investors can lose money in SIP. Systematic Investment Plans are market-linked Mutual Fund investments. If the market falls, so does the NAV of the opted SIP plan and returns. This further results in negative returns, making investors lose money. However, if you have counted on long-term investment, the chances of losing money will be slim.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q6. Can I do SIP for 20 years?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>Yes, you can invest in a SIP for 20 years. The longer the SIP term, the more will be the generated returns. The foremost thing about investing in SIP Mutual Funds for 20 years is that you get the option to keep adding a small amount to secure a big corpus. With longer investment tenure, there will be little scope for risks, clearing the path of obtaining higher returns.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q7. What is the minimum return in SIP?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>SIP returns may vary from one Mutual Fund Company to another. On average, you can expect a return of 12% to 18% in the case of large-cap equities. If you invest in mid-cap equity, you can expect a return of 14% to 17%. However, if you count on a debt-based mutual fund for a longer time frame, at maximum, you can expect a return in the range of 6% to 9 % per annum.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q8. Is SIP tax-free?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>No, not all SIPs are tax-free. However, you can get tax benefits for an amount of up to 1.5 lakhs. So invest wisely. For tax benefits, you must count on ELSS Mutual Funds.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q9. Can we withdraw SIP anytime?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>Yes, you can withdraw SIP at any point in time if you have an investment with a no lock-in period.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q10. What is the SIP interest rate?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>SIP doesn\u2019t come with a specified interest rate. The return entirely depends upon the amount, tenure, and market performance. But, you can generate more returns through a SIP compared to other investment options. For instance, if you have invested in a large-cap fund, you can secure up to a 12% return per annum.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q11. Should I prefer a SIP or a Lump sum contribution in mutual fund investments? <\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>SIP is better than a lump sum to invest in mutual funds. However, it entirely depends upon the current market conditions and stock performance. During upward stock trends, lump-sum investments provide higher returns. Whereas, in falling stock trends, SIPs tend to be more fruitful.<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section\t\tclass=\"sc_fs_faq sc_card    \"\n\t\t\t\t>\n\t\t\t\t<h3>Q12. When should I invest in SIP?<\/h3>\t\t\t\t<div>\n\t\t\t\t\t\t<div class=\"sc_fs_faq__content\">\n\t\t\t\t\r\n\r\n\r\n<p>The right time to invest in SIP Mutual Fund is when you seek higher returns through investment but lack large funds to invest. Start your investment with a small amount, keep adding and invest for at least five years.\u00a0<\/p>\r\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/section>\n\t\t\n<script type=\"application\/ld+json\">\n\t{\n\t\t\"@context\": \"https:\/\/schema.org\",\n\t\t\"@type\": \"FAQPage\",\n\t\t\"mainEntity\": [\n\t\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q1. How long does one need to stay invested in SIP?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>You need to stay invested in SIP for at least five years to secure good returns from the best SIP in India. However, the longer you stay invested in the SIP Mutual Fund, the more the chances to get higher investment returns. Empirically, it also takes at least five years to average the losses, market risks, and the power of compounding acting in the back.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q2. Can I start with \u20b9 500 and keep adding?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>Yes, a Systematic Investment Plan offers the investor with much-needed flexibility. You can open a SIP with a small amount, as low as 500, and keep adding per your objectives and financial stability.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q3. Is SIP a good investment?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>Yes, when it comes to generating high returns with the involvement of lesser risks, nothing can beat SIPs.<\/p>\r\n\r\n\r\n\r\n<p>Additionally, it allows you to pay monthly, weekly, or quarterly payments, eliminating the burden of paying a huge lump sum amount.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q4. Is SIP better than FD?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>SIP is a better investment alternative than FD as it has more liquidity. The amount is provided within three days if investors decide to redeem or withdraw their SIP for equity funds.<\/p>\r\n\r\n\r\n\r\n<p>On the other hand, FDs are difficult to redeem. Even if you reach there, you must uphold the withdrawal charges.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q5. Can I lose money in SIP?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>Yes, investors can lose money in SIP. Systematic Investment Plans are market-linked Mutual Fund investments. If the market falls, so does the NAV of the opted SIP plan and returns. This further results in negative returns, making investors lose money. However, if you have counted on long-term investment, the chances of losing money will be slim.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q6. Can I do SIP for 20 years?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>Yes, you can invest in a SIP for 20 years. The longer the SIP term, the more will be the generated returns. The foremost thing about investing in SIP Mutual Funds for 20 years is that you get the option to keep adding a small amount to secure a big corpus. With longer investment tenure, there will be little scope for risks, clearing the path of obtaining higher returns.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q7. What is the minimum return in SIP?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>SIP returns may vary from one Mutual Fund Company to another. On average, you can expect a return of 12% to 18% in the case of large-cap equities. If you invest in mid-cap equity, you can expect a return of 14% to 17%. However, if you count on a debt-based mutual fund for a longer time frame, at maximum, you can expect a return in the range of 6% to 9 % per annum.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q8. Is SIP tax-free?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>No, not all SIPs are tax-free. However, you can get tax benefits for an amount of up to 1.5 lakhs. So invest wisely. For tax benefits, you must count on ELSS Mutual Funds.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q9. Can we withdraw SIP anytime?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>Yes, you can withdraw SIP at any point in time if you have an investment with a no lock-in period.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q10. What is the SIP interest rate?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>SIP doesn\u2019t come with a specified interest rate. The return entirely depends upon the amount, tenure, and market performance. But, you can generate more returns through a SIP compared to other investment options. For instance, if you have invested in a large-cap fund, you can secure up to a 12% return per annum.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q11. Should I prefer a SIP or a Lump sum contribution in mutual fund investments? \",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>SIP is better than a lump sum to invest in mutual funds. However, it entirely depends upon the current market conditions and stock performance. During upward stock trends, lump-sum investments provide higher returns. Whereas, in falling stock trends, SIPs tend to be more fruitful.<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t,\t\t\t\t{\n\t\t\t\t\"@type\": \"Question\",\n\t\t\t\t\"name\": \"Q12. When should I invest in SIP?\",\n\t\t\t\t\"acceptedAnswer\": {\n\t\t\t\t\t\"@type\": \"Answer\",\n\t\t\t\t\t\"text\": \"\r\n\r\n\r\n<p>The right time to invest in SIP Mutual Fund is when you seek higher returns through investment but lack large funds to invest. Start your investment with a small amount, keep adding and invest for at least five years.\u00a0<\/p>\r\n\"\n\t\t\t\t\t\t\t\t\t}\n\t\t\t}\n\t\t\t\t\t\t]\n\t}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Investments are paramount choices if you want to cut corners and make a fortune over the long term. But nothing in life is free, and investing is no different. It has a price, which is the associated risks. So, where should I invest? The finest option for resolving your financial investment problems is to pin [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":65081,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[216],"acf":[],"_links":{"self":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/65078"}],"collection":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/comments?post=65078"}],"version-history":[{"count":8,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/65078\/revisions"}],"predecessor-version":[{"id":65819,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/posts\/65078\/revisions\/65819"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/media\/65081"}],"wp:attachment":[{"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/media?parent=65078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.squareyards.com\/blog\/wp-json\/wp\/v2\/categories?post=65078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}