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Index funds and SIPs · checked 11 November 2026

Start a SIP in one or two broad, low-cost index funds on direct plans, at an amount you can keep paying in a lean month.

Complete KYC once with your PAN and Aadhaar, pick the fund, set an auto-debit, and top up with a lump sum when a good month comes. A direct plan holds the same portfolio as a regular one without the distributor's yearly commission. When the market falls, keep going, since the SIP is buying units cheaper.

The steps 9 answers

  1. How do I actually start a SIP in India? Wealth
  2. Should I buy index funds or pick stocks? Wealth
  3. My startup income is lumpy. How do I keep a SIP going? Wealth
  4. Should I pick a direct plan or a regular plan mutual fund? Wealth
  5. The market crashed and my SIP is deep in the red. Should I stop? Wealth
  6. I just got a payout. Lump sum now, or spread it into a SIP? Wealth
  7. I run a company. Should I even try to pick stocks? Wealth
  8. What's the difference between an index fund and an ETF? Wealth
  9. Should I use index funds or actively managed funds for the equity part of my portfolio? Wealth

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