SIP From ₹500/Month
Start systematic investing with as little as ₹500 per month. Automate your investment discipline and benefit from rupee-cost averaging across market cycles.
Products
Mutual Funds
Start a SIP from ₹500. Expert-curated funds aligned to your goals, risk profile, and time horizon.
Mutual Funds are the most accessible, diversified, and professionally managed investment vehicle for Indian investors. A mutual fund pools money from thousands of investors and invests it across a portfolio of stocks, bonds, or other assets — managed by a professional fund manager. This means you get the benefit of diversification and expert management from as little as ₹500 per month. At Shriram Financial Services (AMFI ARN: 29483), our AMFI-certified advisors analyse over 1,500 funds across equity, debt, hybrid, and sectoral categories to recommend the right funds for your goals — whether that is building a retirement corpus in 30 years, funding your child's education in 10 years, or creating a stable income stream for the next 5 years. We do not sell products that pay us the highest commission — we recommend what is right for you.
1,500+ Funds Across Categories
Access every SEBI-registered mutual fund in India — equity large-cap, mid-cap, small-cap, flexi-cap, sectoral, hybrid, debt, liquid, and ELSS funds for tax saving.
AMFI-Certified Advisors
Our advisors hold AMFI certifications (ARN: 29483) and follow SEBI's fiduciary mandate — recommending funds based on your interests, not distributor incentives.
Goal-Based Portfolio Design
We map your goals — retirement, education, home purchase — to a tailored mutual fund portfolio with the right fund categories, risk levels, and time horizons.
Portfolio Health Reviews
Quarterly portfolio reviews flag underperforming funds, rebalance your allocation, and ensure your SIP investments stay aligned with your evolving goals.
Instant Redemption & Switch
Redeem or switch funds instantly through Antara. Liquid fund redemptions hit your bank account within T+1 business day — no paperwork, no delays.
FAQ
Frequently Asked Questions
What is SIP and why should I invest through it?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund every month — like an EMI, but for wealth creation. SIPs benefit from Rupee Cost Averaging: when markets fall, your fixed SIP buys more units at lower prices. When markets rise, you profit on more units. Over 10 to 20 years, this disciplined approach compounds into significant wealth. SIPs are proven to outperform lump-sum investing for most retail investors who cannot time the market.
What is the difference between Direct and Regular mutual fund plans?
Direct plans are bought directly from the AMC — no distributor commission, lower expense ratio (typically 0.5 to 1% less per year). Regular plans are sold through distributors who earn commission. Over 20 years, the 0.75% difference in expense ratio can mean 15 to 20% more returns in your portfolio. Shriram Financial Services offers both — our advisors will guide you to the right plan based on your need for ongoing advice.
How are mutual fund returns taxed?
Equity mutual funds: Short-term capital gains (held less than 1 year) taxed at 20%. Long-term capital gains (held more than 1 year) taxed at 12.5% on gains above Rs. 1.25 lakh per year. Debt mutual funds: Gains taxed at your income slab rate regardless of holding period. ELSS funds: Provide Rs. 1.5 lakh deduction under Section 80C with a 3-year lock-in — then taxed as equity LTCG.
Which mutual fund should I choose as a first-time investor?
For first-time investors, we recommend starting with a Large-Cap or Flexicap fund — they invest in established companies with proven track records, balancing growth and stability. Avoid sectoral or small-cap funds initially. A SIP of Rs. 2,000 to Rs. 5,000 per month in a quality flexicap fund is an excellent starting point. Our AMFI-certified advisors will help you choose based on your specific goals and risk tolerance.
Can I withdraw from mutual funds whenever I need?
Yes. Open-ended mutual funds — which cover 90%+ of funds — can be redeemed any business day at that day's NAV. Liquid funds credit proceeds within T+1, equity funds within T+2 to T+3. The only exception is ELSS funds with a 3-year lock-in. Unlike FDs, there is no premature withdrawal penalty — though applicable capital gains tax applies on redemption.
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