Plan SIP amounts, dates, step-ups and tenure against your goals, and set up auto-debit mandates with clarity on risk.
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals, which builds the habit and spreads your entry points over time. We help you decide how much, how often and for how long, so the SIP is tied to a goal rather than a round number.
SIP planning starts with a goal and a date: for example, a child's college fee in twelve years or a retirement corpus. We work backwards using conservative, editable return assumptions to estimate the monthly amount and then check whether that amount fits your cash flow. Returns are not fixed, so we show a range of outcomes and not a single promise.
Beyond the amount, we cover details that quietly affect outcomes: the debit date relative to your salary, an annual step-up as income grows, the right mandate set-up, what to do if a SIP is missed, how each instalment is treated separately for capital gains, and when a Systematic Withdrawal Plan (SWP) or Systematic Transfer Plan (STP) is useful.
You may need it if any of these describe you.
Each SIP is tied to a goal, amount and date, so you know what it is for.
We use editable return ranges and show downside cases too.
Annual increases are mapped to your expected income growth.
We help choose debit dates that sit after salary credit and avoid bounced instalments.
We explain the holding period of each instalment and the ELSS lock-in.
A written plan for when to continue, pause or stop, so panic does not decide.
Fixed amount on a fixed date each month or quarter.
Amount increases by a set percentage or amount each year.
For variable income where amount or date can change within scheme rules.
Regular withdrawals from an existing holding, often used after retirement.
Moves money in instalments from one scheme (often debt) to another (often equity).
Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.
Plain-English notes. Always verify against the official notification.
| Section / rule / form | What it means |
|---|---|
| SEBI scheme documents | Minimum SIP amount, frequency and exit load are defined in each scheme's offer document and may change. |
| Holding period for capital gains | Each SIP instalment is treated as a separate purchase, so its holding period starts on its own date; redemptions follow first-in-first-out. |
| ELSS lock-in | Each ELSS instalment is locked in for three years from its own allotment date. |
| Auto-debit mandates | Run through banking mandates (NACH / eMandate); insufficient balance can cause a failed instalment and bank charges. |
Statutory dates can be extended by notification - check the official portal before relying on them.
| Activity | Due date |
|---|---|
| SIP debit date | As chosen by you; confirm on the mandate |
| Capital gains reporting | With the ITR for the year of redemption |
Plans from our Mutual Fund & Financial Services list. Government charges and GST are shown separately.
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
| Feature | Financial Planning | SIP & Mutual Fund Guidance | Wealth Structuring | Insurance Advisory |
|---|---|---|---|---|
| Pricing model | Fixed fee | On enquiry | On enquiry | On enquiry |
| Written deliverable | Plan PDF | Summary note | Review report | Cover analysis |
| Goal mapping | Cover needs | |||
| Existing holdings review | Basic | Policies | ||
| Product distribution by us | ||||
| Review call | 1 call | Periodic | Half-yearly | Annual |
| Regulatory disclaimer |
We never mark up government payments.
On enquiry. A one-time goal-planning session or ongoing annual review can be priced separately.
No government fee. Statutory charges such as stamp duty on purchases are applied by the fund house as per law.
Scheme expenses and exit loads are within the scheme and disclosed in its documents. 18% GST applies on professional fees.
What you receive from us.
It depends on your goals, income and existing commitments. A common starting point is the amount you can sustain for the whole tenure without touching it, then increase it yearly.
A SIP spreads your entry over time, which reduces the impact of buying at one high point, but it does not remove market risk or guarantee profit.
The instalment fails and some fund houses may stop the SIP after repeated failures. Your units stay invested; bank charges may apply.
Yes, subject to the fund house process and any notice period. Most allow cancellation online.
Each instalment is a separate purchase with its own date; gains are taxed according to the fund type and holding period at rates notified under the Income-tax Act.
It is optional but helpful, because a fixed amount buys relatively less as costs and goals rise with inflation.
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