SIP, SWP & STP
Systematic routes let you invest, withdraw or move money in fixed amounts at regular intervals. We set them up and service them for you.
A Systematic Investment Plan (SIP) invests a fixed amount at chosen intervals, which spreads your purchase price over time. A Systematic Withdrawal Plan (SWP) pays out a fixed amount from an existing investment. A Systematic Transfer Plan (STP) moves money in stages from one scheme to another within the same AMC.
These are tools, not guarantees. The value of units continues to move with the market, and an SWP that withdraws more than the scheme earns will reduce your capital over time.
What is included
- SIP registration through bank mandate (NACH / e-mandate)
- Step-up (top-up) SIP set-up
- SIP pause, modification and cancellation
- SWP set-up for regular payouts
- STP between schemes of the same AMC
- Mandate and bank change requests
How it works
- Pick an amount and date
Choose a monthly amount and a debit date that suits your salary cycle. - Register the mandate
A one-time bank mandate authorises automatic debits. - Schemes and frequency
Select schemes after reading their documents; choose monthly or quarterly. - Review periodically
We help you update amounts, dates or nominees when your life changes.
Common questions
What happens if an SIP instalment bounces?
The instalment is skipped and your bank may levy a charge. Several consecutive failures can lead the AMC to cancel the SIP.
Can I increase my SIP later?
Yes, through a step-up facility at set-up or by registering an additional SIP.
Is SWP income taxable?
Each withdrawal is treated as a redemption, so capital gains tax may apply to the gain portion.
Other services
Speak with us before you invest
Share what you are looking for and we will walk you through the options, documents and next steps. No charge for a conversation.
