Aaj kal har dusra aadmi “SIP me invest karo” bolta hai. Lekin SIP hota kya hai? Aur kya aap ₹500 se bhi start kar sakte ho?
Is article me aapko milega ek super-simple guide SIP ke baare me — bina technical terms ke, bilkul beginners ke liye!
📌 SIP Kya Hota Hai?
SIP (Systematic Investment Plan) ek aisa tarika hai jisse aap mutual funds me thoda-thoda karke invest karte ho — har week ya month.
➡️ Aap ₹500 se bhi shuru kar sakte ho!
🧮 SIP Kaise Kaam Karta Hai?
- Har month fix amount auto-debit hota hai
- Woh paisa ek selected mutual fund me invest hota hai
- Aapko milte hain units (based on NAV)
- Time ke sath paisa badhta hai – thanks to compounding
🧠 Example:
Agar aap ₹1000/month invest karte ho for 5 years, aapka ₹60,000 ban sakta hai ₹80,000 ya usse zyada (fund performance pe depend karta hai)
📈 SIP vs FD (Fixed Deposit)
| Feature | SIP | FD |
|---|---|---|
| Return Potential | 10–15% (long-term) | 5–7% |
| Flexibility | High | Low |
| Lock-in | No (except ELSS SIP) | Yes |
| Risk | Market linked (low to high) | Low |
🔍 Best SIPs for Beginners in 2025
| Fund Name | Min. SIP | Risk Level | Return (5 yr avg.) |
|---|---|---|---|
| Axis Bluechip Fund | ₹100 | Moderate | ~12% |
| Parag Parikh Flexi Cap | ₹500 | Moderate | ~13% |
| SBI Small Cap Fund | ₹500 | High | ~17% |
| HDFC Index Fund – Nifty 50 Plan | ₹100 | Low | ~10% |
📲 App to invest: Groww, Zerodha Coin, Paytm Money, Kuvera
🛡 ELSS SIP – Tax Bachao + Invest Karo
- ELSS (Equity Linked Saving Scheme) SIP me invest karne se aapko ₹1.5 lakh tak tax benefit milta hai (under 80C)
- 3 saal ka lock-in hota hai
- Best for salaried people
📅 SIP Start Karne Ka Best Time?
Answer: Aaj!
Jitni jaldi start karoge, utna zyada compounding ka benefit milega. Don’t wait for perfect timing.
🧾 Documents Needed to Start SIP
- PAN Card
- Aadhaar Linked Mobile Number
- Bank Account with Net Banking
- KYC (Online kar sakte ho within 5 mins)
🔗 Internal Links
- Best Mutual Fund Apps in India – 2025
- Top Tax Saving Investment Options
- How to Do Online KYC for Mutual Funds
✅ Conclusion
SIP ek smart, stress-free investment option hai jo beginners ke liye best hai. Aap ₹500 se start karo, regular invest karo aur long-term wealth create karo.
📢 Aise aur simple financial guides ke liye visit kijiye: ComputerAcademy.in
