A Systematic Investment Plan (SIP) allows you to invest a fixed amount every month into a mutual fund. It is designed to automate investing and reduce timing risk.

How much should I invest in SIP each month?

A good starting point is 10–20% of your monthly salary. You can begin with even ₹1,000 and increase every six months as your income grows.

Is SIP good for beginners?

Yes, SIPs are ideal for beginners because they promote discipline, reduce market timing risk, and allow flexible amounts to be invested monthly.

Which SIP should I choose as a beginner?

Beginners can start with broad market index funds or diversified equity mutual funds. They offer stable long-term returns and lower risk than thematic funds.

How can I calculate my SIP maturity amount?

You can use our SIP Calculator to estimate total invested amount, expected returns, and maturity value based on your monthly SIP amount, return rate, and tenure.

What is SIP? How Much Should You Invest Per Month?

SIP basics and a practical guide to setting a monthly SIP amount based on salary and goals.

What is an SIP?

SIP (Systematic Investment Plan) lets you invest a fixed amount into mutual funds every month. It automates investing and helps reduce timing risk.

How to pick the SIP amount

A practical rule: aim for 20–30% of your salary across all investments. For SIP-specific guidance use these ranges:

Monthly Salary	Suggested SIP
₹25,000	₹1,000–2,500
₹40,000	₹3,500–5,000
₹60,000	₹6,000–10,000
₹1,00,000	₹12,000–20,000

Pair SIPs with goals

For short-term goals use debt funds or FDs. For long-term goals (10+ years) prefer equity SIPs and index funds.

Calculate expected returns using our SIP Calculator.

Conclusion

Start with a modest SIP, automate it, and increase as income grows. SIPs benefit from time in market — the earlier you start, the better.