An SIP is a habit, not a return guarantee

A systematic investment plan automates contributions so decisions are not made under emotion. That is its real value.

Rupee cost averaging means you buy more units when prices are low and fewer when they are high, smoothing your average purchase price. It does not guarantee profit and does not protect against a prolonged decline.

Use the SIP calculator on the tools page to see how contribution amount, tenure and assumed return each affect the final corpus. Notice how tenure usually matters more than the assumed rate.

Assumed return inputs are hypothetical. Actual returns vary and can be negative.