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Pro Tip: Indian equity indices (Nifty 50) have historically delivered 12% - 14% CAGR over 10+ year rolling periods.
A Systematic Investment Plan (SIP) is a disciplined wealth creation method offered by mutual funds in India. Instead of timing the market with large lump-sum amounts, an investor commits a fixed sum at regular intervals (usually monthly). SIP takes advantage of Rupee Cost Averaging and Power of Compounding to build long-term wealth while smoothing out stock market volatility.
SIP returns use the standard compound interest annuity formula: M = P * ((1+i)^n - 1) / i * (1+i), where P is monthly investment, i is periodic monthly rate, and n is total months.
Yes, most Indian mutual fund AMCs allow Step-Up SIPs where you can increase your SIP contributions annually by 5% to 15% in tandem with salary increments.
Under Indian tax laws, equity mutual fund units held for more than 12 months qualify as Long-Term Capital Gains (LTCG) taxed at 12.5% on gains exceeding ₹1.25 lakh per financial year. Short-term gains are taxed at 20%.
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