Compare Schemes
Contact Us
Statements
Chat Support
Systematic Investment Plan
Where disciplined investing creates long-term growth
Take a step towards long-term wealth creation by investing in an SIP
What is an SIP?
A quick look at how SIPs can grow your wealth
A Systematic Investment Plan (SIP) is a simple way to invest in mutual funds by putting in a fixed amount at regular intervals. Instead of waiting to save a big sum, SIP helps you start small and stay regular. Your money is auto-debited and invested on a set date, making it easy to build a long-term habit. SIP works well for new and experienced investors because it removes stress around market ups and downs. It also helps you use rupee-cost averaging and the power of compounding to grow wealth over time. SIP is one of the easiest ways to start investing in mutual funds.
Why Choose an SIP?
Grow wealth steadily with flexibility and control.
Disciplined Investing
Invest a fixed amount regularly without worrying about market timing, helping you stay focused on long-term goals.
Rupee-Cost Averaging
Buy more units when markets fall and fewer when they rise, reducing volatility impact automatically.
Flexible Amount & Tenure
Choose, increase, pause, or adjust your SIP amount and tenure as per your financial goals.
Convenience
Auto-debit setup makes investing easy, automatic, and stress-free.
Power of Compounding
Your investments earn returns on returns. Starting early, even small amounts can grow into a substantial corpus over time
SIP Calculator
Estimate the potential growth of your investment
Quickly Calculate your investment returns with ease.
Invested Amount
₹0
Growth Value
₹0
Value At Maturity
₹0
Disclaimer:This calculator is for illustration purposes only and is based on assumed rates of return. It does not guarantee accuracy, minimum returns, or capital protection and should not be relied upon for investment decisions. CRAMC uses information from reliable sources but does not warrant its accuracy or completeness. Users are advised to consult professional tax advisors for personalized guidance.
Basis of computing the rate: Mean of 10 years rolling return between 01/06/2014 and 31/05/2024 of Sensex/Nifty 50/Nifty 500.
Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Types of SIP
Choose an SIP type based on your comfort and financial goals
Perpetual SIP
Continues until stopped (subject to regulatory limits).
Regular SIP
Invest the same amount at regular intervals to build wealth consistently.
Goal-Based SIP
Designed for specific goals like education, retirement or home.
Top-up SIP
Automatically increase your SIP amount at intervals.
Flexible SIP
Modify or pause your SIP based on your cash flow.
Our Schemes for You
Choose from our wide range of schemes for your different goals
₹0.32 (-0.2800%) 7.65%
Moderately High
₹0.00 (0.0000%) 0.00%
Very High
₹2.20 (0.0500%) 6.83%
Low to Moderate
Power of Starting an SIP Early
The earlier you start, the more you benefit from compounding
Start Early, Grow More
The examples here show the impact of beginning to invest ₹15,000 monthly at various stages of life till the age of 60 years (assuming a return of 12% p.a.).
Age when SIP is started
Final Value at the age of 60 (₹)
As you can see, starting an SIP early can make a huge difference in your final wealth.
When you begin early, your money gets more time to grow through the power of compounding.
For example, investing ₹15,000 per month at age 25 can create a much larger retirement
corpus than starting at age 35. Time plays a bigger role than the amount.
*The example above is for illustrative purpose only.
Why Goal-Based SIPs Matter
Invest with clarity, direction, and long-term confidence.
Aligned Investments
Align your investments basis your defined goals, e.g. short-term goals, long-term goals.
Easy Tracking
Know where you stand and adjust your investments whenever needed.
Faster Growth with Top-Ups
Increase your SIPs annually to reach your goals sooner.
Clear Objectives
Invest with a defined purpose—home, education, retirement, or wealth growth.
Right Investment Amount
Goals help you decide how much to invest and for how long.
Disciplined Progress
A purposeful SIP keeps you committed even when markets fluctuate.
Disclaimer: There is no guarantee of achievement of the goal
Key Considerations Before Starting an SIP
A quick checklist to help you start your SIP the right way.
Financial Goals
Define what are your investing for. It can be retirement, a home, children’s education, or wealth creation. Clear goals help align your SIP with the right strategy.
Risk Appetite
Understand how much market volatility you can handle without panicking. Your comfort with risk determines whether you should choose equity, hybrid, or debt funds.
Time Horizon
Decide how long you can stay invested. Longer horizons generally allow you to ride out market fluctuations and benefit from compounding.
Investment Amount
Choose an SIP amount that fits comfortably within your budget. Consistency matters more than starting with a big amount.
Fund Selection
Pick funds based on past performance, consistency, and fund house credibility. Avoid chasing only top-performing funds without understanding their strategy.
Expense Ratio
Check the fund’s expense ratio, as it directly impacts your returns over time. Lower costs can significantly improve long-term wealth creation.
How to Invest in SIP through Canara Robeco Mutual Fund?
A step-by-step guide to start your SIP today
Set Your Investment Goal
Define your goals and choose a scheme matching your risk and horizon.
Complete Your KYC
Ensure your KYC is done and verified before starting your SIP.
Select SIP Date & Tenure
Choose your preferred SIP date and decide how long you want to stay invested.
Fix Your Investment Amount
Decide how much you want to invest and set the SIP frequency basis your cashflow.
Activate Your SIP
Start your SIP by submitting the form online or offline.
Smart SIP Reads
Easy insights that make investing simpler.
What is Systematic Investment Plan and what are its benefits?
SIPs help to achieve financial goals by investing small sums of money on a monthly basis that eventually leads to accumulating the required corpus for reaching the goal.
One SIP, Various Advantages – Rupee Cost Averaging
Timing the market accurately is a difficult task which is rarely accomplished on a consistent basis. However, the good thing is that one doesn’t need to have a crystal ball to earn profits.
Is there an easy way to invest regularly with just a small amount of money?
Much like you tell children that constant practice and hard work will allow them to excel in their studies, continuous and consistent.
FAQs
Find Clear Answers to Your Burning Questions.
What is SIP in mutual funds?
SIP in mutual funds is a method where you invest a fixed amount at regular intervals. It helps you build wealth slowly, handle market ups and downs, and stay disciplined in your investment journey.
How does SIP work?
In SIP, a fixed amount is invested in a mutual fund at regular intervals. You buy units at different prices, helping you average the cost and grow wealth over time.
What is power of compounding?
Power of compounding means your money earns returns, and those returns also earn returns. Over many years, this creates strong growth. Starting early helps compounding work better.
What are the benefits of SIP investment?
SIP offers discipline, convenience, rupee-cost averaging, flexibility, and long-term growth through compounding. It helps you invest regularly without timing the market.
Why is SIP important?
SIP is important because it builds a regular investing habit, reduces market stress, and helps create long-term wealth even with small monthly amounts.
Are SIPs safe?
SIP reduces market timing risk but is not risk-free. It works well over the long term.
What happens if I miss an SIP instalment?
Missing an SIP instalment does not cancel your SIP. The investment simply skips for that interval. You can continue next interval without any penalty.
What is Top-up / Step-up SIP?
A Top-up or Step-up SIP lets you increase your SIP amount automatically at a fixed time. It helps you grow your investments as your income increases.
What is the difference between Top-up SIP/Step-up and SIP?
With a regular SIP, you can invest a fixed amount at regular intervals. A Top-up SIP increases the amount at regular intervals to help you build wealth faster.
What is SIP calculator?
An SIP calculator helps you estimate the future value of your monthly investments based on amount, tenure, and expected returns.
How much can I invest in SIP?
You can invest any amount that suits your budget. Start small and increase the amount as your income grows.
What is the maximum tenure of SIP?
There is no fixed maximum tenure. You can invest for as long as you want, depending on your goal.
Do SIPs allow only equity mutual fund investments?
No. SIPs can be started in various types of mutual funds like equity, hybrid, debt, index, and ELSS funds.
Can I pause my investments in SIP?
Yes, you can pause your SIP for a few months through your mutual fund account and restart when ready.
Can I do a long-term SIP investment?
SIP is better suited for long-term investing because compounding works better over many years.
