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SIP or a Systematic Investment plan is an investment mode that allows you to invest your money in a fixed duration of time. Generally, a SIP investment starts the process of wealth creation over a regular interval of time that can be monthly, quarterly and annually. The investment through a SIP or Systematic Investment Plan is invested in stock markets, thus generates good returns when invested for a long duration. A SIP investment is considered to be one of the Best ways to invest money as the money invested is distributed over a certain duration. Unlike lump sum investment, SIP investment does not take place all at once, therefore, it is convenient for investors. With a simple SIP investment, one can start Investing small sums of money from a young age. We have a list of some of the Top SIP investments for you. Have a look!
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To make a SIP investment it's important to understand the Best SIP Plans based on your risk appetite. There is a huge category of Equity Mutual Funds in which you can invest through a SIP. These include Large Cap, mid cap funds, Small cap funds, Multi Cap Funds. One can also invest in Balanced Funds via a SIP. But, for the first time investors, the best investment options for SIP might be-
Investing in Large cap funds via a SIP or Systematic Investment Plan is beneficial. Usually, Large-cap Funds invest in firms that have a possibility of showing steady growth and earning high profits year after year. These funds are generally stable and offer stable returns when invested over a long period of time.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) ICICI Prudential Bluechip Fund Growth ₹108.1
↓ -0.96 ₹72,336 100 2.2 5.2 2.8 17.7 21.5 16.9 SBI Bluechip Fund Growth ₹90.2239
↓ -1.09 ₹53,959 500 1.9 4.2 2.5 13.7 18.7 12.5 Nippon India Large Cap Fund Growth ₹88.6916
↓ -0.83 ₹43,829 100 3.8 5.6 2.3 19.1 24.3 18.2 Aditya Birla Sun Life Frontline Equity Fund Growth ₹514.48
↓ -4.64 ₹30,927 100 1.9 4.9 1.3 14.8 19.3 15.6 Indiabulls Blue Chip Fund Growth ₹41.99
↓ -0.36 ₹130 500 4.6 6 -0.5 13.4 16 12.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Bluechip Fund SBI Bluechip Fund Nippon India Large Cap Fund Aditya Birla Sun Life Frontline Equity Fund Indiabulls Blue Chip Fund Point 1 Highest AUM (₹72,336 Cr). Upper mid AUM (₹53,959 Cr). Lower mid AUM (₹43,829 Cr). Bottom quartile AUM (₹30,927 Cr). Bottom quartile AUM (₹130 Cr). Point 2 Established history (17+ yrs). Established history (19+ yrs). Established history (18+ yrs). Oldest track record among peers (22 yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 21.46% (upper mid). 5Y return: 18.72% (bottom quartile). 5Y return: 24.29% (top quartile). 5Y return: 19.29% (lower mid). 5Y return: 16.01% (bottom quartile). Point 6 3Y return: 17.70% (upper mid). 3Y return: 13.70% (bottom quartile). 3Y return: 19.09% (top quartile). 3Y return: 14.76% (lower mid). 3Y return: 13.43% (bottom quartile). Point 7 1Y return: 2.78% (top quartile). 1Y return: 2.54% (upper mid). 1Y return: 2.32% (lower mid). 1Y return: 1.33% (bottom quartile). 1Y return: -0.47% (bottom quartile). Point 8 Alpha: 1.93 (top quartile). Alpha: 0.49 (lower mid). Alpha: 0.12 (bottom quartile). Alpha: 1.51 (upper mid). Alpha: -3.92 (bottom quartile). Point 9 Sharpe: 0.14 (top quartile). Sharpe: 0.10 (lower mid). Sharpe: 0.07 (bottom quartile). Sharpe: 0.11 (upper mid). Sharpe: -0.26 (bottom quartile). Point 10 Information ratio: 1.10 (upper mid). Information ratio: -0.38 (bottom quartile). Information ratio: 1.85 (top quartile). Information ratio: 0.63 (lower mid). Information ratio: -0.17 (bottom quartile). ICICI Prudential Bluechip Fund
SBI Bluechip Fund
Nippon India Large Cap Fund
Aditya Birla Sun Life Frontline Equity Fund
Indiabulls Blue Chip Fund
Mid-cap funds invest in most emerging companies. To attain good returns one should invest for a longer duration in these funds. Longer than large-cap funds. Therefore, SIP benefits the most. Investing via a SIP tends to lower the risk and maintains the stability of returns.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Kotak Emerging Equity Scheme Growth ₹133.512
↓ -1.15 ₹57,102 1,000 11.2 8.3 4.8 21.6 28.1 33.6 Sundaram Mid Cap Fund Growth ₹1,353.88
↓ -14.87 ₹12,818 100 7.8 6.2 3.6 23.1 26.9 32 Taurus Discovery (Midcap) Fund Growth ₹118.11
↓ -1.36 ₹133 1,000 6.9 4.8 -6.7 17.7 20.8 11.3 Edelweiss Mid Cap Fund Growth ₹98.079
↓ -1.29 ₹10,988 500 6.7 6.2 5.4 24.4 29.5 38.9 HDFC Mid-Cap Opportunities Fund Growth ₹189.412
↓ -1.40 ₹84,061 300 7.4 5.8 3.1 25.9 29.8 28.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Kotak Emerging Equity Scheme Sundaram Mid Cap Fund Taurus Discovery (Midcap) Fund Edelweiss Mid Cap Fund HDFC Mid-Cap Opportunities Fund Point 1 Upper mid AUM (₹57,102 Cr). Lower mid AUM (₹12,818 Cr). Bottom quartile AUM (₹133 Cr). Bottom quartile AUM (₹10,988 Cr). Highest AUM (₹84,061 Cr). Point 2 Established history (18+ yrs). Established history (23+ yrs). Oldest track record among peers (30 yrs). Established history (17+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 28.12% (lower mid). 5Y return: 26.88% (bottom quartile). 5Y return: 20.81% (bottom quartile). 5Y return: 29.47% (upper mid). 5Y return: 29.81% (top quartile). Point 6 3Y return: 21.59% (bottom quartile). 3Y return: 23.10% (lower mid). 3Y return: 17.68% (bottom quartile). 3Y return: 24.44% (upper mid). 3Y return: 25.86% (top quartile). Point 7 1Y return: 4.77% (upper mid). 1Y return: 3.63% (lower mid). 1Y return: -6.71% (bottom quartile). 1Y return: 5.43% (top quartile). 1Y return: 3.14% (bottom quartile). Point 8 Alpha: 2.01 (bottom quartile). Alpha: 2.82 (lower mid). Alpha: -5.34 (bottom quartile). Alpha: 5.34 (top quartile). Alpha: 3.00 (upper mid). Point 9 Sharpe: 0.16 (bottom quartile). Sharpe: 0.20 (lower mid). Sharpe: -0.20 (bottom quartile). Sharpe: 0.33 (top quartile). Sharpe: 0.23 (upper mid). Point 10 Information ratio: -0.52 (bottom quartile). Information ratio: -0.14 (lower mid). Information ratio: -1.20 (bottom quartile). Information ratio: 0.34 (upper mid). Information ratio: 0.62 (top quartile). Kotak Emerging Equity Scheme
Sundaram Mid Cap Fund
Taurus Discovery (Midcap) Fund
Edelweiss Mid Cap Fund
HDFC Mid-Cap Opportunities Fund
ELSS or Equity Linked Savings Scheme is equity diversified Mutual Fund that invests the major part of the fund corpus, generally more than 80%, in equity instruments and provides Market linked returns. Under Section 80C of the income tax Act, ELSS funds act as a tax saving Mutual Funds and allow tax deductions upto INR 1,50,000 for the taxable Income. So, all those you have just started earning a Taxable Income can now invest in ELSS funds to save tax and earn good returns as well.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Tata India Tax Savings Fund Growth ₹43.0591
↓ -0.46 ₹4,711 500 3.2 2.9 0.3 14.9 19.7 19.5 Bandhan Tax Advantage (ELSS) Fund Growth ₹147.227
↓ -1.55 ₹7,151 500 2.1 2.7 -2.8 14.9 23.4 13.1 Aditya Birla Sun Life Tax Relief '96 Growth ₹59.19
↓ -0.51 ₹15,870 500 5.6 7.4 1.8 13.3 13.9 16.4 DSP Tax Saver Fund Growth ₹134.904
↓ -1.12 ₹17,428 500 0.8 3.5 0 18.8 23.2 23.9 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 500 1.2 15.4 35.5 20.6 17.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Tata India Tax Savings Fund Bandhan Tax Advantage (ELSS) Fund Aditya Birla Sun Life Tax Relief '96 DSP Tax Saver Fund HDFC Long Term Advantage Fund Point 1 Bottom quartile AUM (₹4,711 Cr). Lower mid AUM (₹7,151 Cr). Upper mid AUM (₹15,870 Cr). Highest AUM (₹17,428 Cr). Bottom quartile AUM (₹1,318 Cr). Point 2 Established history (10+ yrs). Established history (16+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (24 yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 19.75% (lower mid). 5Y return: 23.40% (top quartile). 5Y return: 13.85% (bottom quartile). 5Y return: 23.16% (upper mid). 5Y return: 17.39% (bottom quartile). Point 6 3Y return: 14.94% (bottom quartile). 3Y return: 14.94% (lower mid). 3Y return: 13.26% (bottom quartile). 3Y return: 18.78% (upper mid). 3Y return: 20.64% (top quartile). Point 7 1Y return: 0.34% (lower mid). 1Y return: -2.81% (bottom quartile). 1Y return: 1.77% (upper mid). 1Y return: 0.02% (bottom quartile). 1Y return: 35.51% (top quartile). Point 8 Alpha: -0.42 (bottom quartile). Alpha: -2.56 (bottom quartile). Alpha: 0.36 (lower mid). Alpha: 2.27 (top quartile). Alpha: 1.75 (upper mid). Point 9 Sharpe: -0.01 (bottom quartile). Sharpe: -0.21 (bottom quartile). Sharpe: 0.04 (lower mid). Sharpe: 0.16 (upper mid). Sharpe: 2.27 (top quartile). Point 10 Information ratio: -0.31 (bottom quartile). Information ratio: -0.30 (lower mid). Information ratio: -1.34 (bottom quartile). Information ratio: 0.83 (top quartile). Information ratio: -0.15 (upper mid). Tata India Tax Savings Fund
Bandhan Tax Advantage (ELSS) Fund
Aditya Birla Sun Life Tax Relief '96
DSP Tax Saver Fund
HDFC Long Term Advantage Fund
Small-cap funds come after large and mid cap funds. These funds invest in startups or small-sized companies, therefore these funds take time to grow and generate returns. The performance of the fund depends on the growth of the companies. Thus, investors are advised to take a SIP route and stay invested for a long-term, ideally for more than 7 years.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Aditya Birla Sun Life Small Cap Fund Growth ₹82.8233
↓ -0.98 ₹5,134 1,000 7.6 4.7 -3.9 17.8 25.2 21.5 SBI Small Cap Fund Growth ₹167.662
↓ -0.92 ₹35,696 500 5.7 2.4 -5.4 15.6 25.8 24.1 HDFC Small Cap Fund Growth ₹138.38
↓ -1.03 ₹35,781 300 13.6 7.8 2.5 24.1 31.5 20.4 DSP Small Cap Fund Growth ₹191.065
↓ -1.66 ₹17,126 500 12.1 5.2 -0.9 19.8 28.6 25.6 Nippon India Small Cap Fund Growth ₹164.669
↓ -1.81 ₹66,602 100 7.8 4.1 -4.8 24 34 26.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Small Cap Fund SBI Small Cap Fund HDFC Small Cap Fund DSP Small Cap Fund Nippon India Small Cap Fund Point 1 Bottom quartile AUM (₹5,134 Cr). Lower mid AUM (₹35,696 Cr). Upper mid AUM (₹35,781 Cr). Bottom quartile AUM (₹17,126 Cr). Highest AUM (₹66,602 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 25.15% (bottom quartile). 5Y return: 25.80% (bottom quartile). 5Y return: 31.53% (upper mid). 5Y return: 28.64% (lower mid). 5Y return: 34.05% (top quartile). Point 6 3Y return: 17.80% (bottom quartile). 3Y return: 15.55% (bottom quartile). 3Y return: 24.13% (top quartile). 3Y return: 19.85% (lower mid). 3Y return: 23.96% (upper mid). Point 7 1Y return: -3.92% (lower mid). 1Y return: -5.37% (bottom quartile). 1Y return: 2.46% (top quartile). 1Y return: -0.92% (upper mid). 1Y return: -4.79% (bottom quartile). Point 8 Alpha: 0.00 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: -2.86 (bottom quartile). Point 9 Sharpe: -0.12 (bottom quartile). Sharpe: -0.24 (bottom quartile). Sharpe: 0.07 (upper mid). Sharpe: 0.22 (top quartile). Sharpe: -0.10 (lower mid). Point 10 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: -0.10 (bottom quartile). Aditya Birla Sun Life Small Cap Fund
SBI Small Cap Fund
HDFC Small Cap Fund
DSP Small Cap Fund
Nippon India Small Cap Fund
These funds invest across large, mid and small caps, thus the name-multi-cap. Multi-cap funds are a good option for diversifying a Portfolio. As, these funds invest across market capitalization, it balances risks and returns very well. Taking a SIP route can benefit by generating stable returns in the long-run.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Motilal Oswal Multicap 35 Fund Growth ₹59.6733
↓ -2.11 ₹13,894 500 3.4 4 6 22.1 18.5 45.7 Kotak Standard Multicap Fund Growth ₹82.764
↓ -0.89 ₹54,841 500 4.4 7.7 2.3 16.3 19.2 16.5 Mirae Asset India Equity Fund Growth ₹110.04
↓ -1.17 ₹40,725 1,000 2.7 4.5 2.2 12.2 16.7 12.7 BNP Paribas Multi Cap Fund Growth ₹73.5154
↓ -0.01 ₹588 300 -4.6 -2.6 19.3 17.3 13.6 Bandhan Focused Equity Fund Growth ₹85.827
↓ -0.75 ₹1,947 100 5.5 2.9 9.2 17.2 17.6 30.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Motilal Oswal Multicap 35 Fund Kotak Standard Multicap Fund Mirae Asset India Equity Fund BNP Paribas Multi Cap Fund Bandhan Focused Equity Fund Point 1 Lower mid AUM (₹13,894 Cr). Highest AUM (₹54,841 Cr). Upper mid AUM (₹40,725 Cr). Bottom quartile AUM (₹588 Cr). Bottom quartile AUM (₹1,947 Cr). Point 2 Established history (11+ yrs). Established history (15+ yrs). Established history (17+ yrs). Oldest track record among peers (19 yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 18.51% (upper mid). 5Y return: 19.21% (top quartile). 5Y return: 16.75% (bottom quartile). 5Y return: 13.57% (bottom quartile). 5Y return: 17.61% (lower mid). Point 6 3Y return: 22.15% (top quartile). 3Y return: 16.32% (bottom quartile). 3Y return: 12.22% (bottom quartile). 3Y return: 17.28% (upper mid). 3Y return: 17.23% (lower mid). Point 7 1Y return: 5.98% (lower mid). 1Y return: 2.26% (bottom quartile). 1Y return: 2.19% (bottom quartile). 1Y return: 19.34% (top quartile). 1Y return: 9.19% (upper mid). Point 8 Alpha: 8.72 (top quartile). Alpha: 1.33 (bottom quartile). Alpha: 1.62 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 5.67 (upper mid). Point 9 Sharpe: 0.42 (upper mid). Sharpe: 0.10 (bottom quartile). Sharpe: 0.12 (bottom quartile). Sharpe: 2.86 (top quartile). Sharpe: 0.33 (lower mid). Point 10 Information ratio: 0.73 (top quartile). Information ratio: 0.21 (upper mid). Information ratio: -0.70 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.18 (lower mid). Motilal Oswal Multicap 35 Fund
Kotak Standard Multicap Fund
Mirae Asset India Equity Fund
BNP Paribas Multi Cap Fund
Bandhan Focused Equity Fund
Another Mutual fund that is suitable for first-time SIP investment is Balanced Fund. Balanced Mutual Funds invest more than 65% of their assets in equity instruments and the remaining assets in debt instruments. These funds are less risky than Equity Funds while providing equity comparable returns. This makes balanced funds one of the ideal investment options for beginners.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Edelweiss Arbitrage Fund Growth ₹19.5059
↑ 0.02 ₹15,045 500 1.4 3.2 6.8 7.1 5.7 7.7 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹1,491.63
↓ -12.19 ₹7,650 100 2.6 3.9 2.2 12.4 16.2 15.3 SBI Equity Hybrid Fund Growth ₹295.673
↓ -3.05 ₹78,708 500 2.8 7.1 8.6 13.1 16.1 14.2 SBI Multi Asset Allocation Fund Growth ₹58.8635
↓ -0.27 ₹8,940 500 4.2 5.9 8.2 15.8 13.7 12.8 ICICI Prudential Equity Arbitrage Fund Growth ₹34.5306
↑ 0.04 ₹30,811 1,000 1.4 3.3 6.9 7.1 5.7 7.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Edelweiss Arbitrage Fund Aditya Birla Sun Life Equity Hybrid 95 Fund SBI Equity Hybrid Fund SBI Multi Asset Allocation Fund ICICI Prudential Equity Arbitrage Fund Point 1 Lower mid AUM (₹15,045 Cr). Bottom quartile AUM (₹7,650 Cr). Highest AUM (₹78,708 Cr). Bottom quartile AUM (₹8,940 Cr). Upper mid AUM (₹30,811 Cr). Point 2 Established history (11+ yrs). Oldest track record among peers (30 yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderate. Point 5 5Y return: 5.70% (bottom quartile). 5Y return: 16.22% (top quartile). 5Y return: 16.13% (upper mid). 5Y return: 13.68% (lower mid). 5Y return: 5.68% (bottom quartile). Point 6 3Y return: 7.05% (bottom quartile). 3Y return: 12.40% (lower mid). 3Y return: 13.07% (upper mid). 3Y return: 15.84% (top quartile). 3Y return: 7.06% (bottom quartile). Point 7 1Y return: 6.76% (bottom quartile). 1Y return: 2.22% (bottom quartile). 1Y return: 8.60% (top quartile). 1Y return: 8.20% (upper mid). 1Y return: 6.86% (lower mid). Point 8 1M return: 0.52% (upper mid). 1M return: -3.52% (bottom quartile). 1M return: -3.87% (bottom quartile). 1M return: -1.63% (lower mid). 1M return: 0.52% (top quartile). Point 9 Alpha: 0.02 (upper mid). Alpha: -0.50 (bottom quartile). Alpha: 5.08 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.90 (upper mid). Sharpe: 0.04 (bottom quartile). Sharpe: 0.56 (lower mid). Sharpe: 0.41 (bottom quartile). Sharpe: 1.24 (top quartile). Edelweiss Arbitrage Fund
Aditya Birla Sun Life Equity Hybrid 95 Fund
SBI Equity Hybrid Fund
SBI Multi Asset Allocation Fund
ICICI Prudential Equity Arbitrage Fund
Generally, a SIP investment is considered to be an ideal way, when investing in Mutual Funds for the first time. Investing, for beginners, is usually very complicated and chaotic. They are often found facing challenges to channelize their savings into investments. Consider the above-mentioned best mutual funds for SIP to make your first SIP investment. Don’t miss an opportunity to save big by fearing to take the first step. Your first salary credited, make a wise SIP investment now!