Systematic Investment Plan Basics
1)SIP na enna?
Monthly fixed amount auto-aa mutual fund-ku poidum. No drama, just habit.
Why SIP super?
● Averaging: Market mela-kizha? Units auto adjust, avg cost kammi.
● Compounding: Time-oda money-ku money growth iruku.
● Discipline: Auto-debit, skip panna chance illa.
1-line example:
₹1,000 every month → price low na more units, high na less units → avg cost down →
long-term la value up.
Yaarukku set?
5+ years goals (house, wealth build). “Daily market parkka time illa” folks.
Careful:
<3 yrs goal na equity SIP avoid; mudhalila high-interest loan cut pannunga.
✅ ✅
Quick checklist:
✅ ✅
Emergency fund | Goal clarity | Category match (long-term = equity/index; short =
debt/target-maturity) | Direct + Growth
Myth bust:
“Market high—start panna koodadhu?” → Start pannunga.
“Guarantee irukka?” → Illa, long-term + consistency dhaan key.
“Periya amount thaana?” → ₹500-la start pannu.
2)Zerodha open — quick & clean
Ready panniko: PAN, Aadhaar (OTP on), bank proof (passbook/cheque), good selfie, active
mobile & email.
Steps:
1. Sign up → mobile/email OTP.
2. PAN + DOB enter → Segments choose (Equity + Mutual Funds).
3. Aadhaar eKYC (DigiLocker).
4. Bank add → proof upload.
5. IPV selfie (bright light, face full).
6. Signature photo upload.
7. e-Sign (Aadhaar OTP).
8. Nominee add (recommended).
9. Pay & Submit → done.
10.Activation: usually next 1–2 working days.
If stuck (quick fixes):
● Name mismatch → bank statement/passbook clear copy.
● OTP varla → Aadhaar number link check, signal stable.
● Selfie blur → more light, backlight illa.
● Signature unclear → flat paper, dark ink.
Live aayiduchuna, next:
● Kite login, 2FA PIN set.
● CDSL TPIN generate (selling time use).
● Funds add (UPI/netbanking).
● Coin la Direct mutual funds choose → e-mandate (eNACH) set for SIP auto-debit.
3) SIP start pannadhu eppadi (inside
broker)
Zerodha (Coin)
1. Coin open → Search fund (ex: “Nifty 50 Index – Direct Growth”).
2. Fund page → details glance (category, expense ratio).
3. SIP button tap → Amount set (ex: ₹1,000).
4. Frequency + Date choose (monthly; salary aprm 2–3 days best).
5. e-Mandate set (netbanking/UPI) → Confirm.
6. Portfolio tab-la SIP visible; edit/pause/cancel anytime.
Angel One (Mutual Funds)
1. App open → Mutual Funds → Search same “Direct Growth” fund.
2. Start SIP → Amount + Date/Frequency select.
3. AutoPay/e-Mandate enable → Confirm.
4. SIP list-la track; edit/pause ok.
4) Fund choose pannradhu — simple
rulebook (slang mode)
5-sec checklist:
● Goal match: long-term = equity/index; short/medium = debt/target-maturity
● Direct + Growth only
● Expense Ratio (ER) low (esp. index funds)
● Tracking Error (TE) low (index funds)
● Exit load / lock-in paaru
Over-diversify pannadhe: 1 bucket-ku 1 fund pothum.
Starter list (popular & reliable categories → sample funds)
(Names for awareness; invest panna munadi ER/TE/factsheet check pannunga.)
Core Equity (Large-cap Index):
● UTI Nifty 50 Index Fund (Direct-Growth)
● HDFC Nifty 50 Index Fund (Direct-Growth)
● ICICI Pru Nifty 50 Index Fund (Direct-Growth)
● SBI Nifty 50 Index Fund (Direct-Growth)
Growth kicker (higher swings):
● Nifty Next 50: UTI Nifty Next 50 Index Fund
● Midcap 150: UTI / HDFC / Nippon Nifty Midcap 150 Index Fund
● Smallcap 250: Nippon / HDFC / ICICI Pru Nifty Smallcap 250 Index Fund
Stability / Short–Medium goals (Debt – Target Maturity):
● ICICI Pru Nifty SDL Sep 2027 Index Fund
● Mirae Asset Nifty SDL Jun 2027 Index Fund
● Aditya Birla SL Nifty SDL Sep 2027 Index Fund
(Idea: govt/SDL bonds, defined maturity window = clarity on duration)
Optional diversifier (later):
● Gold ETF/FoF (hedge)
● International Index FoF (availability open/close paathu)
5) Model SIP Mix — safe / medium / high
(slang mode)
Rule: 1 bucket-ku 1 fund. Direct + Growth dhaan. Year-ku 1 time rebalance.
A) Safe / Conservative (3–5+ yrs)
● 65%: Target Maturity SDL/G-Sec 2026–2028 (stability)
Ex: ICICI Pru Nifty SDL Sep 2027 / Mirae SDL Jun 2027 / ABSL SDL Sep 2027
● 25%: Nifty 50 Index (large-cap core)
Ex: UTI / HDFC / ICICI Pru / SBI — Direct Growth, low ER, low TE
● 10% (opt.): Gold ETF/FoF (hedge)
B) Balanced (5–7+ yrs)
● 40%: Nifty 50 Index
● 10%: Nifty Next 50 or Midcap 150 (mild growth kicker)
Ex: UTI NN50 / UTI–HDFC–Nippon Midcap 150
● 40%: Target Maturity SDL/G-Sec 2026–2028
● 10% (opt.): Gold ETF/FoF
C) Aggressive (7–10+ yrs)
● 50%: Nifty 50 Index
● 20%: Midcap 150
● 10%: Smallcap 250
Ex: HDFC / ICICI Pru / Nippon Smallcap 250
● 20%: Target Maturity SDL/G-Sec 2026–2028
6) Tax basics
Equity / Index funds (Nifty 50, etc.)
● < 1 yr hold → STCG 20%.
● ≥ 1 yr hold → LTCG 12.5%; yearly ₹1.25L gain free; adhukku mela 12.5%. (Sale date
23-Jul-2024 aprm apply). Reuters+2The Economic Times+2
Debt funds (important)
● New buys (01-Apr-2023 aprm vanginadhukku) → slab rate (FD-madri), indexation
illa, holding period matter illa. [Link]+1
● Old buys (31-Mar-2023 ku munnadi) → >2 yrs hold na LTCG 12.5% (no indexation);
≤2 yrs na slab. (Sale 23-Jul-2024 aprm rules). The Economic Times+1
Dividends (IDCW option edutha na)
● Dividend income slab-la tax.
● TDS threshold: ₹5,000 (till Mar 31, 2025); ₹10,000 from Apr 1, 2025. [Link]+1
FIFO (SIP sell rule)
● Sell pannumbodhu mothalla vangina units dhan mudhalla sell aagum → <1 yr / ≥1 yr
decide adha base-la. The Economic Times
STT (chinna charge)
● Equity-oriented MF redeem panna ~0.001% STT (seller side). Nippon India Mutual
Fund+1
Quick picks: Growth + Direct dhaan choose; sale date & buy date-oda rules
different-a irukkum—doubt na fund factsheet/AMC tax note quick-aa check
panniko. AMFI India
7) Tiny Playbook
● Goal fix: evlo kasa venum + eppo venum nu clear.
● Bucket choose: Safe / Balanced / Aggressive (point-5 la irukku).
● 1 bucket = 1 fund (Direct + Growth only).
● SIP date: salary aprm 2–3 days; e-mandate on; mandate limit > total SIP.
● Step-up: every year +10–15% auto increase.
● Rebalance: year-ku 1 thadavai original % ku thiruppi.
● Dip vandhaalum stop pannadhe; cash irundha top-up ok.
● Emergency fund separate; credit card dues mudhala clear.
● Quarter-ku 10 mins review: ER/TE ok-aa? fund policy/overlap illaya?
● Tax recall: Equity >1 yr = LTCG 12.5%; FY-la ₹1.25L gain free; Debt = slab; IDCW =
slab.
● Hygiene: app lock, CDSL TPIN save, nominee update, statements store.
Conclusion
● Start small, start now. ₹500-oda kuda SIP kick-off pannalaam; habit dhaan hero.
● Core = Index (Direct + Growth). Stability-ku Target Maturity SDL/G-Sec add
pannunga; gold later optional.
● Simple mix, no clutter: 1 bucket = 1 fund. Low ER, low TE check pannitu pick
panunga.
● System > Genius: SIP date salary aprm 2–3 days, e-mandate on, step-up +10–15%
every year, rebalance yearly.
● Market dip aa? Don’t stop. Averaging work aagum. Emergency fund separate;
high-interest loan first clear.
● Tax basics mind-la vechikonga: Equity ≥1 yr = LTCG; Debt = slab (new buys). IDCW
avoid; Growth prefer.
● Hygiene: app lock, CDSL TPIN safe, nominee update, statements save.