Mutual funds and SIP

Big goals are reached a little at a time.Mutual fund SIP in Rajula: invest a fixed amount every month.

A SIP investment puts a fixed amount into a mutual fund every month, straight from your bank account. We help families in Rajula and Amreli pick funds that suit their goal, start the SIP and keep it on track.

Book a meeting Try the calculator

Who a SIP suits

Salaried earners

Your salary comes in every month, so a SIP can go out every month too. Saving happens before spending.

Shop owners and traders

Start with a SIP amount you’re comfortable with, and add lumpsum money after a good season.

First-time investors

Never invested in the market? A small SIP is a gentle way to begin and see how mutual funds behave.

How it works with us

We understand your goal

What is the money for, when will you need it, and how much up and down can you live with? The answers decide the type of fund.

We help you choose and start

We explain a few suitable funds, help you complete your KYC, and set up the monthly auto-debit from your bank.

We review with you

We check your SIPs with you from time to time and when life changes, and talk about a step-up as your income grows.

SIP calculator

SIP calculator for your monthly investment

Amount investedEst. returns

returns

Amount invested–

Est. returns–

Total value–

Monthly investmentTime periodExpected return (a year)

More options

Raise my SIP every year byInflation, to show today’s value

Year by year

Year	Invested	Value

Illustration only, at the rates you choose. Mutual fund returns are market-linked and not guaranteed.

SIP calculator

Put in a monthly amount, a time period and an expected return to see what a SIP could grow to. The result is an estimate at the rate you choose; real mutual fund returns move with the market.

All calculators

What we do for you

Explain what a SIP is, how NAV works and what to expect, in plain words
Help you choose funds by goal, time frame and risk, not by last year’s returns
Complete KYC, nominee details and the bank mandate for auto-debit
Set up a step-up SIP that rises each year with your income
Help with lumpsum investments when you have extra money
Regular reviews, plus help with changes, switches and withdrawals

Markets will rise and fall

Your SIP value will go down in some months, sometimes for a while. That’s normal. When prices are low, the same SIP buys more units. See what to do when markets fall.

SIP vs lumpsum vs bank FD

What to compare	SIP	Lumpsum	Bank FD
How money goes in	A fixed amount every month	One large amount at once	One deposit for a fixed term
Returns	Market-linked, can go up or down	Market-linked, can go up or down	Fixed interest rate, known in advance
Risk	Market risk, spread over time	Market risk, depends on when you invest	Low
Flexibility	Change or stop anytime; exit load may apply on early withdrawal	Withdraw anytime; exit load may apply on early withdrawal	Breaking it early usually means a penalty
Suits	Monthly income, long-term goals	Spare money, long-term goals	Short-term needs, fixed returns

For general understanding only. Mutual fund returns are market-linked and not guaranteed; past performance may or may not be repeated. Read more in SIP vs FD.

FAQ

Common questions

What is a SIP investment?

SIP stands for Systematic Investment Plan. A fixed amount moves from your bank account to a mutual fund on a set date each month, and you get units at that day’s NAV (the price of one unit). Over time it builds a saving habit and spreads your buying across highs and lows.

How much do I need to start a mutual fund SIP in Rajula?

Many funds let you start with ₹500 a month or even less. You need a one-time KYC with your PAN, Aadhaar and bank details, and we help you complete it. Visit us at Shyam Complex, Jawahar Road, Rajula, or call +91 94286 19595.

What is a step-up SIP?

A step-up SIP raises your monthly amount by a set percentage or rupee amount each year, say 10% as your income grows. Small yearly raises can make a big difference over 15 to 20 years. Try the step-up SIP calculator.

Should I invest through a SIP or a lumpsum?

If you earn every month, a SIP is usually easier and you worry less about market timing. If a large amount comes at once, from a bonus, a harvest or a sale, a lumpsum can work, or the money can be moved into equity funds gradually over a few months. We explain the options for your situation.

Can I stop or pause my SIP?

Yes. You can stop a SIP anytime, and many fund houses also let you pause it for a few months. Stopping a SIP doesn’t take your money out; the units you hold stay invested until you sell them. Some funds charge a small exit load if you sell within a set period.

How do you get paid?

We deal only in Regular Plans and earn a commission from the fund house, which is included in the fund’s expense ratio. The same funds also have Direct Plans with a lower expense ratio, where you invest on your own without a distributor. Read how we work for details.

Keep exploring

Try the calculatorSIP calculatorSee what a monthly SIP could grow to over the years.Try the calculatorStep-up SIP calculatorSee how raising your SIP each year could change the final amount.Tax saving with ELSSSave tax under 80C (old regime) with the shortest lock-in: just 3 years.How we work with you, step by stepFour simple steps, the same whether you’re starting a small SIP or sorting out your whole family’s money. You always know what’s happening, what it costs and who gets paid.5 min readSIP vs FD: how they differ and when to use eachOne gives you a fixed, known return. The other is linked to the market. Here’s how to choose, goal by goal.5 min readWhat to do with your SIP when markets fallSeeing a loss in your portfolio is hard. Before you press stop, here’s what a fall really means for someone investing every month.

Your next step

Start your SIP with a short meeting

Tell us what you’re saving for and roughly how much you can set aside each month. We’ll explain the options and help you get started. Book a meeting, or ask us to call you.

Request a callback

Ticket to tomorrowLKI-1987

FromTodayWhere you are now

ToTomorrowWhere you want to be

Passenger: You and your family
Meeting: 30 minutes
Fare: Free
Where: Office or phone

Pick a day

Book this day on WhatsApp