Systematic Investment Plan

Take your first step into the wonderful world of investments with Tata Systematic Investment Plan (SIP). Tata SIP is a simple method that helps you invest money regularly. It is just like a recurring deposit where you put in a fixed amount every month. Thus, it helps the good habit of disciplined investing.


A Systematic Investment Plan helps you invest a fixed amount regularly at a specified frequency say, monthly or quarterly. SIP is a simple method of investing used across the world. So, what are you waiting for? Start a Tata SIP today in our range of schemes from as low as Rs. 150/- per month.

How does an investor need to plan his investment?
  • When chasing a financial goal, the simplest form of planning is to invest regularly.
  • Most of us calculate our earnings, expenses savings on a basis. The easiest way to plan our investments, therefore, is on a basis.
Regular Investing
  • Identify your financial goals like buying a house, your first car, marriage, education.
  • Set aside and invest a fixed sum of money regularly to meet these financial goals.
  • Become a disciplined investor – maintain regularity.
  • A SIP will ensure all these for you.
Maintain discipline in your asset allocation
  • SIP helps avoid the temptation of jumping from one asset class to another during certain market conditions.
Rupee Cost Averaging
  • By investing a fixed sum at fixed intervals we can buy fewer units when the price is higher and more units when the price is lower. This is called Rupee Cost Averaging.

  • SIP takes care that your average price works out to be lower than the price you would have paid at the market peak. It takes care that you invest across market cycles. Your average price works out to be lower than investing at the market peak. It helps you avoid the temptation of timing your investments “Market Timing” is best left to professionals.

The Power of Compounding
  • Instead of saving a huge chunk of money and investing it in a lump sum investment, it is better to invest regularly in smaller amounts. The reason being while your lump sum investment may attract returns it does not give you the benefit of compounded interest that happens in SIP investment. With investment your investment grows and also your interest earns interest. To know how of compounding works click here to see an illustrated table.

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