+91-22-48913909How to Save Money by Investing in SIP?
How to save money? This is the most common question that has kept people curious over the years. As a matter of fact, the most difficult part about saving money is getting started. It gets hard for people to determine simple plans to invest money and how to start saving in those plans to meet their Financial goals. If you are in a similar situation, you must consider some money savings tips and then make your decision.
How to Save Money Every Month?
You do not need to have huge sums of money to start Investing. There are other simpler ways for you.
- Invest in SIP. SIP or a Systematic Investment plan is one of the best ways of investing your money.
- SIP is a one-time investment option with which you can invest monthly to earn good returns on your investment.
- The minimum amount of investing in a SIP is as less as INR 500, which makes it one of the most convenient investment options for even a youngster.
How to Save Money Via a SIP?
Generally, there are certain goals according to which people start investing. Some of the basic goals are mentioned below.
1. SIP Helps in Tax Saving
As you start earning, the first thing you want to know is how to save money from tax deductions. Though there are many Ways to Save Tax, SIP is one of the most convenient ones.
By investing through SIP the money gets deducted in regular intervals, so there is no burden of a lump sum investment.
Also, the SIP investments are liable for deductions under Section 80C of the income tax Act. So, all your questions about how to save money from taxes have found a solution. By investing in a SIP, one can save somewhere between INR 15,000 to INR 45,000 in taxes per year.
2. SIP helps in Child's Education
Since the birth of your children, you should start planning for their future, that includes education, marriage etc. But how to save money for making investments is your question, right? The solution is simple and quite convenient.
invest in Mutual Funds through SIP. As you know, SIPs invest a small amount for regular intervals, it very convenient for people.
Additionally, SIPs work the best for long-term investments, that further makes it beneficial for you to save money for your child. So, don’t just linger on how to save money, just invest in a SIP and you are done.
3. SIP assists in Retirement Planning
Planning for retirement is one of the essential parts of financial goals. An appropriate Retirement planning is when you know how to save money and where to invest your savings.
There are various investing options that help you on how to save money. These plans include Provident Fund (PF), National Pension Scheme (NPS) etc.
But, one of the best money saving plans is a Systematic Investment Plan. It invests your money in growth assets and helps you create a powerful corpus for your retirement.
For example, let’s suppose you earn INR 30,000 per month at the age of 25 and invest INR 2500 per month in a SIP, increasing it by 10% every year, your savings would be the following-
Know Your Monthly SIP Amount
- At the age of 60, with the balanced return of 12% per annum, you will earn INR 4.12 crores
- At the age of 60, with the balanced return of 15% per annum, you will earn INR 7.2 crores
Therefore, when deciding how to save money for your retirement, make sure you invest in SIP.
Talk to our investment specialist
Fund Selection Methodology used to find 10 funds
Best SIP Funds that will Help to Save Money
Some of the best and top performing SIP funds that will help you to earn good returns from your savings are:
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) DSP US Flexible Equity Fund Growth ₹94.0675
↓ -1.28 ₹1,270 500 0.1 14.4 31.6 27.9 18.4 33.8 Franklin Asian Equity Fund Growth ₹42.5353
↓ -0.28 ₹996 500 -3.7 11.2 26.6 20.6 6.7 23.7 Aditya Birla Sun Life Small Cap Fund Growth ₹98.2831
↓ -0.04 ₹6,226 1,000 2.9 18.5 16.3 13.5 10.8 -3.7 DSP Natural Resources and New Energy Fund Growth ₹102.057
↑ 0.75 ₹2,574 500 -3.6 -5.4 8.7 16.2 12.7 17.5 SBI Small Cap Fund Growth ₹178.8
↓ -0.38 ₹42,631 500 -0.5 11.7 6 9.8 11.1 -4.9 Invesco India Growth Opportunities Fund Growth ₹104.21
↓ -1.01 ₹12,387 100 -4.3 9.8 1.4 19.1 13.7 4.7 Motilal Oswal Multicap 35 Fund Growth ₹62.0537
↓ -0.39 ₹14,160 500 3.5 12.4 0.3 16.2 11.3 -5.6 Tata India Tax Savings Fund Growth ₹44.5129
↓ -0.14 ₹4,747 500 -4 1.4 0.2 10 9 4.9 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹60.07
↓ -0.70 ₹3,668 1,000 -5.7 -1.1 -1.6 7.9 8 17.5 Bandhan Tax Advantage (ELSS) Fund Growth ₹148.61
↓ -0.35 ₹7,005 500 -3.3 0.7 -2.5 7.5 8.1 8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Oct 26 Research Highlights & Commentary of 10 Funds showcased
Commentary DSP US Flexible Equity Fund Franklin Asian Equity Fund Aditya Birla Sun Life Small Cap Fund DSP Natural Resources and New Energy Fund SBI Small Cap Fund Invesco India Growth Opportunities Fund Motilal Oswal Multicap 35 Fund Tata India Tax Savings Fund Aditya Birla Sun Life Banking And Financial Services Fund Bandhan Tax Advantage (ELSS) Fund Point 1 Bottom quartile AUM (₹1,270 Cr). Bottom quartile AUM (₹996 Cr). Upper mid AUM (₹6,226 Cr). Bottom quartile AUM (₹2,574 Cr). Highest AUM (₹42,631 Cr). Upper mid AUM (₹12,387 Cr). Top quartile AUM (₹14,160 Cr). Lower mid AUM (₹4,747 Cr). Lower mid AUM (₹3,668 Cr). Upper mid AUM (₹7,005 Cr). Point 2 Established history (14+ yrs). Established history (18+ yrs). Oldest track record among peers (19 yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 5★ (top quartile). Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 18.45% (top quartile). 5Y return: 6.66% (bottom quartile). 5Y return: 10.83% (lower mid). 5Y return: 12.73% (upper mid). 5Y return: 11.06% (upper mid). 5Y return: 13.65% (top quartile). 5Y return: 11.29% (upper mid). 5Y return: 8.95% (lower mid). 5Y return: 8.04% (bottom quartile). 5Y return: 8.08% (bottom quartile). Point 6 3Y return: 27.87% (top quartile). 3Y return: 20.60% (top quartile). 3Y return: 13.46% (lower mid). 3Y return: 16.19% (upper mid). 3Y return: 9.83% (bottom quartile). 3Y return: 19.12% (upper mid). 3Y return: 16.21% (upper mid). 3Y return: 9.97% (lower mid). 3Y return: 7.85% (bottom quartile). 3Y return: 7.51% (bottom quartile). Point 7 1Y return: 31.55% (top quartile). 1Y return: 26.65% (top quartile). 1Y return: 16.34% (upper mid). 1Y return: 8.74% (upper mid). 1Y return: 6.01% (upper mid). 1Y return: 1.43% (lower mid). 1Y return: 0.31% (lower mid). 1Y return: 0.25% (bottom quartile). 1Y return: -1.61% (bottom quartile). 1Y return: -2.47% (bottom quartile). Point 8 Alpha: -7.01 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 1.92 (upper mid). Alpha: 4.86 (upper mid). Alpha: 1.30 (upper mid). Alpha: 6.01 (top quartile). Alpha: 5.69 (top quartile). Alpha: -0.02 (bottom quartile). Point 9 Sharpe: 1.42 (top quartile). Sharpe: 1.39 (top quartile). Sharpe: 0.84 (upper mid). Sharpe: 1.21 (upper mid). Sharpe: 0.35 (lower mid). Sharpe: 0.41 (upper mid). Sharpe: 0.13 (bottom quartile). Sharpe: 0.40 (lower mid). Sharpe: 0.28 (bottom quartile). Sharpe: 0.03 (bottom quartile). Point 10 Information ratio: -0.07 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -0.31 (bottom quartile). Information ratio: 1.22 (top quartile). Information ratio: 0.71 (top quartile). Information ratio: 0.18 (upper mid). Information ratio: -0.04 (lower mid). Information ratio: -0.92 (bottom quartile). DSP US Flexible Equity Fund
Franklin Asian Equity Fund
Aditya Birla Sun Life Small Cap Fund
DSP Natural Resources and New Energy Fund
SBI Small Cap Fund
Invesco India Growth Opportunities Fund
Motilal Oswal Multicap 35 Fund
Tata India Tax Savings Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Bandhan Tax Advantage (ELSS) Fund
By now you know how to save money through a SIP. So, if you are also planning to save money for the above-mentioned reasons or just want to save money anyway, make a SIP investment now. Save money, live better!
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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