MAM
How does a SIP work for new investors?
Building long-term wealth through compounding is a gradual process. In the early stages, it may feel like your investment corpus isn’t growing significantly. However, over time, the magic of compounding begins to show its effect. Investing requires consistency and perseverance, especially since market fluctuations can test your patience.
Mutual Funds offer a convenient feature called the Systematic Investment Plan (SIP), which allows you to invest a fixed amount at regular intervals, ensuring continuity in your investment journey. SIPs can be tailored to suit any financial goal—short-term, medium-term, or long-term.
What is a Systematic Investment Plan (SIP)?
A SIP is a method of investing in open-ended mutual funds by selecting a fixed amount and a preferred date for investment. You can start with as little as Rs 500 or Rs 250 per month (known as a Choti SIP), with no upper limit. SIPs are flexible—you can pause, modify, or stop them as needed, subject to fund house terms.
Many mutual funds also offer a Top-Up SIP option, allowing you to increase your SIP amount annually by a fixed percentage. This helps you accelerate your savings and reach your financial goals sooner.
How Does a SIP Work?
SIP investing is simple and automated. Once you set up a mandate, the chosen amount is deducted from your registered bank account and invested in the selected fund.
Key Benefits of SIP Investing
• Automated monthly investments
• Benefit from rupee cost averaging during market volatility
• Flexibility to change SIP date, amount, pause or cancel
• No need to time the market
• Participate in both market upsides and downsides
Things to Consider Before Starting Your First SIP
Before starting a SIP:
• Define your financial goals and timeline
• Assess your risk appetite
• Decide on asset allocation (equity, debt, gold, international funds, REITs, etc.)
• Choose suitable mutual funds based on your allocation
• Use SIP calculators to determine the monthly investment needed to reach your goal
Building Wealth the Simple Way
For new investors, SIPs offer a disciplined and convenient way to invest toward life goals. With a wide range of mutual fund schemes available, selecting the right fund is key to building a strong portfolio. If you’re unsure where to begin, consult a financial advisor for guidance.
FAQs
Are SIPs better than one-time investing?
Equity markets tend to be volatile. Hence, SIP offers the benefit of rupee cost averaging. This ensures that you get more units when the markets fall and less units when it rises, thereby averaging the cost per unit of your investment. In fact, SIP may reduce the risk of timing the market so that your investment can benefit from volatile markets.
How does a SIP actually work for new investors?
A SIP works by investing a fixed amount in a mutual fund at regular intervals. Once the mandate is set up, the amount is automatically debited from your bank account and invested in the chosen fund, helping you invest in a disciplined manner without tracking market movements.
Should I pause my SIP when market is falling?
Investing through SIP when markets are falling helps you accumulate more mutual fund units. Every time the market falls, your SIP buys more units. In case of negative returns, the loss you see is only notional, i.e., it will be real if you decide to sell off your holdings. Benefits of a SIP are seen over the long term when you keep investing regularly over different market cycles.
Can SIP investment be stopped and restarted later?
You can pause or stop your SIP at any time, subject to the terms of the fund house. The units you have already invested remain unaffected, and you can restart the SIP later based on your requirements.
How much amount should I invest through SIP?
The SIP amount should reflect your goals. Minimum investment amount to start a SIP may vary across Fund Houses.
What should be the ideal SIP date every month?
You can start a SIP on any day of the month, depending on the available options that vary across fund houses.
How long should I continue my SIP Investment?
Start an SIP with a financial goal in mind like buying a car or higher education of your child. The time to fulfil your financial goal should be the tenure of your SIP.
Can I make changes in my SIP investment later?
You can change the date of debit and frequency, modify the SIP amount, and also pause or stop your SIP, depending on the available options that vary across fund houses.
How do I begin?
Where you invest depends on your risk profile and investment horizon. You should consult a trusted financial advisor who can help you invest to plan for your life goals.
How can I achieve my goals using SIP?
Decide your financial goal and the amount of money you need to achieve it. Then, you can use a SIP calculator to find out the amount you will need to invest regularly to meet your financial goal.
Disclaimer:
1Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
This is part of an investor education and awareness initiative by PGIM India Mutual Fund.
MAM
Ajio launches Dhurandhar merchandise collection with Jio Studios
Limited edition range inspired by the film starts at Rs 349 on Ajio.
MUMBAI: When cinema meets the wardrobe, fandom doesn’t just stay on the screen, it walks out onto the street. Ajio, India’s fashion e-commerce platform, has launched an exclusive merchandise collection inspired by the spy-action film Dhurandhar, extending the film’s bold on-screen personality into everyday fashion.
The limited-edition range has been created in collaboration with Jio Studios and features graphic driven apparel and statement silhouettes that draw directly from the film’s high-energy aesthetic and characters.
Designed to appeal to both movie fans and style conscious shoppers, the collection translates the cinematic swagger of Dhurandhar into wearable fashion pieces starting at Rs 349.
The collection includes graphic T-shirts featuring iconic movie quotes, signature tees inspired by actor Ranveer Singh and limited-edition signed Pathani outfits that echo the larger-than-life style associated with the film’s characters.
Also part of the line-up is a collection inspired by Sara Arjun, translating her on-screen styling into contemporary silhouettes designed to appeal to younger audiences and fashion forward fans.
With bold typography, statement graphics and confident tailoring, the range blends cinematic storytelling with streetwear aesthetics, turning the film’s cultural energy into a fashion statement.
The collaboration reflects Ajio’s growing strategy of using fashion collaborations to tap into pop culture moments and entertainment properties.
By bringing elements of popular films into apparel, the platform allows audiences to move beyond simply watching a film and instead wear their fandom, making cinema part of everyday style.
Produced by Jio Studios and B62 Studios, Dhurandhar has emerged as one of the most talked-about action thrillers in recent times, known for its high-octane storytelling and larger-than-life characters.
The film, written and directed by Aditya Dhar, is also set to expand into a franchise, with the sequel “Dhurandhar: The Revenge” scheduled to release in theatres worldwide on March 19, 2026.
By launching the merchandise collection ahead of the sequel, Ajio and the film’s producers are extending the film’s universe into fashion, giving fans another way to connect with the story and its characters.
The Dhurandhar merchandise collection is now available exclusively on Ajio, bringing cinematic attitude, bold graphics and spy-thriller swagger straight into the wardrobes of fans.
