Introduction to SIP Investment
In today’s time, investing through SIP (Systematic Investment Plan) is one of the most trusted ways to build wealth with discipline. This blog explains the latest and easiest way to start SIP in 2025 using trusted applications like Groww, Zerodha, and JellStock.
What is SIP?
SIP stands for Systematic Investment Plan. It allows investors to invest a fixed amount regularly in mutual funds, helping them stay shielded from market volatility and build long-term wealth.
What Do You Need to Start a SIP?
To begin your SIP journey, you’ll need:
- A Demat Account on apps like Groww, Zerodha, or JellStock
- A linked bank account for automatic payments
- PAN card, Aadhar card, and mobile number linked with your bank
Step-by-Step Process to Start a SIP
- Open Your Mutual Fund App
Open the app (e.g., JellStock). If you don’t have an account, create one using the link provided in the app.
- Select the Mutual Fund Section
Click on the “Mutual Fund” tab. You’ll see trending mutual funds and top-performing schemes like large-cap, mid-cap, and small-cap funds.
- Analyze Fund Performance
Before investing, check:
- Fund’s 3-year return performance
- NAV (Net Asset Value)
- Fund age and manager’s experience
- Expense ratio
- Exit load and lock-in period
- Use SIP Calculator
Calculate how much wealth your investment will generate. For example:
- SIP of ₹5,000/month for 5 years = approx ₹11 Lakhs (based on 12% annual return)
- Choose Your Fund and Click ‘Invest Now’
Decide whether to invest one-time or via SIP. You can start SIP from as low as ₹100.
- Set SIP Amount and Date
Enter your SIP amount (e.g., ₹1,000/month) and choose the date (e.g., 25th of every month) for auto-debit.
- Payment & Auto-Debit Setup
Make the first payment manually via UPI or net banking. After that, enable autopay for monthly auto-debit.
Important SIP Features
- Minimum SIP amount: ₹100
- Exit load: 1% if withdrawn within 1 year
- No lock-in period: Withdraw anytime after 1 year
- Tax Benefits: Lower tax on gains after 1 year
- Skip or Cancel SIP: Easily pause or stop from the app
Portfolio Management and Withdrawal
Once SIP is activated, it shows under your portfolio. You can:
- Track performance
- Check NAV and growth
- Sell/exit anytime
- Stop or increase SIP anytime
Final Words
Starting a SIP in 2025 is easy and beginner-friendly. With minimal investment, you can start building wealth. Always check fund details, risk ratio, and investment strategy before you begin.
Ready to start your SIP journey today? Choose your fund and invest smartly!
Also Read :How to Open a PNB Zero Balance Account Online with Video KYC (2025 Guide)