Khorwal Financials
SIP Planning
Build real, lasting wealth — one systematic investment at a time
A Systematic Investment Plan (SIP) is the single most powerful investing habit you can build. Instead of trying to time the market — a game that even the sharpest fund managers lose — SIPs let you invest a fixed amount every month, rain or shine.
The compounding math is staggering: ₹10,000/month invested over 20 years at a 12% average return doesn't give you ₹24L — it gives you ₹99.9L. That's the power of time, discipline, and the right fund selection working together.
At Khorwal Financials, we don't just set up your SIP and disappear. We engineer your entire SIP portfolio — mapped to specific life goals, reviewed quarterly, and adjusted as your income and priorities evolve.
Minimum SIP Amount
₹500 / month
Ideal Tenure
5 – 30 years
Risk Profile
Customised to goal
Returns (Historical)
10–16% p.a. (equity)
Real Goals, Real Numbers
Child's Higher Education
₹25L in 15 yearsRequired SIP: ₹4,500/month @ 12%
Start today. Every year delayed costs ₹1,000+ more per month.
Retirement Corpus
₹2 Cr in 25 yearsRequired SIP: ₹9,500/month @ 12%
The same corpus requires ₹27,000/month if you start 10 years late.
Dream Home Down-Payment
₹15L in 7 yearsRequired SIP: ₹11,000/month @ 10%
Consistent SIP beats bank savings plans 3:1 over 7 years.
Myths That Are Costing You Money
Myth
I need a large lump sum to start investing.
Fact
You can start a SIP with just ₹500 a month. Time in the market matters more than the amount.
Myth
SIPs only work in bull markets.
Fact
SIPs actually buy more units when markets dip — a phenomenon called rupee cost averaging that benefits long-term investors.
Myth
I should wait for the market to correct before starting.
Fact
Timing the market consistently is impossible even for professionals. SIP removes that burden entirely.
The Advisor Edge
Studies show investors who work with advisors earn 2–3% more per year on average — not because of fund selection, but because advisors prevent panic-selling during downturns. That 2–3% difference compounds into lakhs over a decade. That's the Khorwal Financials difference.
Our SIP Planning Process
Frequently Asked Questions
Q. What is the minimum amount to start a SIP in India?
Most mutual fund schemes allow you to start a Systematic Investment Plan (SIP) with as little as ₹500 per month. Some specialized schemes may even allow ₹100, making it accessible for everyone.
Q. Can I stop my SIP anytime?
Yes, SIPs are flexible. You can stop, pause, or skip your monthly installments at any time without any penalty. However, for long-term wealth creation, consistency is key.
Q. Are SIP returns guaranteed?
SIP returns are not guaranteed as they are linked to market performance. However, historical data shows that equity SIPs over 10-15 years often deliver 12-15% CAGR, beating inflation and traditional savings.
Q. How is SIP different from a Lumpsum investment?
SIP involves investing a fixed amount regularly (monthly), which helps in rupee-cost averaging. Lumpsum is a one-time investment. SIP is generally better for volatile markets as it reduces the risk of timing the market.
Q. Do I need a Demat account for SIP?
No, a Demat account is not mandatory for investing in mutual funds via SIP. You can invest directly through an AMFI-registered distributor like Khorwal Financials.