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 (%) Nippon India Large Cap Fund Growth ₹89.8671
↓ -0.18 ₹44,165 100 0.7 15 0.6 19.7 22.6 18.2 ICICI Prudential Bluechip Fund Growth ₹108.84
↓ -0.36 ₹71,788 100 -0.1 13 -0.6 18.1 20.5 16.9 SBI Bluechip Fund Growth ₹90.7285
↓ -0.17 ₹53,030 500 -0.7 12.1 -0.8 13.9 17.7 12.5 Aditya Birla Sun Life Frontline Equity Fund Growth ₹516.88
↓ -1.41 ₹30,235 100 -0.6 12.9 -2.1 15.1 18.2 15.6 Essel Large Cap Equity Fund Growth ₹30.7626
↑ 0.20 ₹96 500 -8 -14.5 -2.6 10 7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Nippon India Large Cap Fund ICICI Prudential Bluechip Fund SBI Bluechip Fund Aditya Birla Sun Life Frontline Equity Fund Essel Large Cap Equity Fund Point 1 Lower mid AUM (₹44,165 Cr). Highest AUM (₹71,788 Cr). Upper mid AUM (₹53,030 Cr). Bottom quartile AUM (₹30,235 Cr). Bottom quartile AUM (₹96 Cr). Point 2 Established history (18+ yrs). Established history (17+ yrs). Established history (19+ yrs). Oldest track record among peers (23 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: 22.63% (top quartile). 5Y return: 20.51% (upper mid). 5Y return: 17.68% (bottom quartile). 5Y return: 18.22% (lower mid). 5Y return: 7.00% (bottom quartile). Point 6 3Y return: 19.70% (top quartile). 3Y return: 18.10% (upper mid). 3Y return: 13.93% (bottom quartile). 3Y return: 15.12% (lower mid). 3Y return: 10.00% (bottom quartile). Point 7 1Y return: 0.57% (top quartile). 1Y return: -0.58% (upper mid). 1Y return: -0.80% (lower mid). 1Y return: -2.12% (bottom quartile). 1Y return: -2.56% (bottom quartile). Point 8 Alpha: 0.61 (bottom quartile). Alpha: 1.58 (top quartile). Alpha: 1.05 (lower mid). Alpha: 1.34 (upper mid). Alpha: -3.02 (bottom quartile). Point 9 Sharpe: -0.37 (bottom quartile). Sharpe: -0.35 (lower mid). Sharpe: -0.34 (upper mid). Sharpe: -0.38 (bottom quartile). Sharpe: 0.10 (top quartile). Point 10 Information ratio: 1.84 (top quartile). Information ratio: 1.50 (upper mid). Information ratio: -0.12 (bottom quartile). Information ratio: 0.80 (lower mid). Information ratio: -0.82 (bottom quartile). Nippon India Large Cap Fund
ICICI Prudential Bluechip Fund
SBI Bluechip Fund
Aditya Birla Sun Life Frontline Equity Fund
Essel Large Cap Equity 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 ₹133.861
↓ -0.55 ₹57,375 1,000 3.2 23.1 0.8 21 26.4 33.6 Sundaram Mid Cap Fund Growth ₹1,359.76
↓ -3.59 ₹12,596 100 0.9 19.3 -0.9 22.8 25.2 32 Taurus Discovery (Midcap) Fund Growth ₹119.23
↓ -0.09 ₹130 1,000 -0.9 19.3 -8.9 17.3 19.8 11.3 HDFC Mid-Cap Opportunities Fund Growth ₹189.956
↓ -0.71 ₹83,847 300 0.7 16.8 1.1 25.2 27.6 28.6 Motilal Oswal Midcap 30 Fund Growth ₹101.99
↓ -0.51 ₹33,609 500 1.9 15 0.1 28.1 32.2 57.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Kotak Emerging Equity Scheme Sundaram Mid Cap Fund Taurus Discovery (Midcap) Fund HDFC Mid-Cap Opportunities Fund Motilal Oswal Midcap 30 Fund Point 1 Upper mid AUM (₹57,375 Cr). Bottom quartile AUM (₹12,596 Cr). Bottom quartile AUM (₹130 Cr). Highest AUM (₹83,847 Cr). Lower mid AUM (₹33,609 Cr). Point 2 Established history (18+ yrs). Established history (23+ yrs). Oldest track record among peers (31 yrs). Established history (18+ yrs). Established history (11+ 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: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 26.40% (lower mid). 5Y return: 25.20% (bottom quartile). 5Y return: 19.82% (bottom quartile). 5Y return: 27.61% (upper mid). 5Y return: 32.15% (top quartile). Point 6 3Y return: 21.05% (bottom quartile). 3Y return: 22.85% (lower mid). 3Y return: 17.32% (bottom quartile). 3Y return: 25.19% (upper mid). 3Y return: 28.09% (top quartile). Point 7 1Y return: 0.78% (upper mid). 1Y return: -0.94% (bottom quartile). 1Y return: -8.89% (bottom quartile). 1Y return: 1.08% (top quartile). 1Y return: 0.15% (lower mid). Point 8 Alpha: 4.96 (top quartile). Alpha: 3.17 (lower mid). Alpha: -6.42 (bottom quartile). Alpha: 2.03 (bottom quartile). Alpha: 3.70 (upper mid). Point 9 Sharpe: -0.09 (top quartile). Sharpe: -0.17 (lower mid). Sharpe: -0.66 (bottom quartile). Sharpe: -0.21 (bottom quartile). Sharpe: -0.11 (upper mid). Point 10 Information ratio: -0.29 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.11 (bottom quartile). Information ratio: 0.76 (top quartile). Information ratio: 0.44 (upper mid). Kotak Emerging Equity Scheme
Sundaram Mid Cap Fund
Taurus Discovery (Midcap) Fund
HDFC Mid-Cap Opportunities Fund
Motilal Oswal Midcap 30 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 ₹42.8712
↓ -0.14 ₹4,595 500 -1.8 11.9 -5 14.8 18.5 19.5 Bandhan Tax Advantage (ELSS) Fund Growth ₹148.667
↓ -0.27 ₹6,974 500 -0.9 11.3 -5.4 15.2 21.9 13.1 Aditya Birla Sun Life Tax Relief '96 Growth ₹59.75
↓ -0.24 ₹15,457 500 1.2 16.4 -1.4 13.7 12.9 16.4 DSP Tax Saver Fund Growth ₹134.666
↓ -0.40 ₹16,981 500 -3 10.8 -4.4 18.8 21.8 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 29 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 (₹4,595 Cr). Lower mid AUM (₹6,974 Cr). Upper mid AUM (₹15,457 Cr). Highest AUM (₹16,981 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: 18.52% (lower mid). 5Y return: 21.90% (top quartile). 5Y return: 12.92% (bottom quartile). 5Y return: 21.78% (upper mid). 5Y return: 17.39% (bottom quartile). Point 6 3Y return: 14.78% (bottom quartile). 3Y return: 15.24% (lower mid). 3Y return: 13.65% (bottom quartile). 3Y return: 18.79% (upper mid). 3Y return: 20.64% (top quartile). Point 7 1Y return: -5.05% (bottom quartile). 1Y return: -5.38% (bottom quartile). 1Y return: -1.42% (upper mid). 1Y return: -4.40% (lower mid). 1Y return: 35.51% (top quartile). Point 8 Alpha: 0.24 (lower mid). Alpha: -3.48 (bottom quartile). Alpha: 1.19 (upper mid). Alpha: -0.09 (bottom quartile). Alpha: 1.75 (top quartile). Point 9 Sharpe: -0.42 (lower mid). Sharpe: -0.74 (bottom quartile). Sharpe: -0.36 (upper mid). Sharpe: -0.45 (bottom quartile). Sharpe: 2.27 (top quartile). Point 10 Information ratio: -0.22 (bottom quartile). Information ratio: -0.12 (upper mid). Information ratio: -0.94 (bottom quartile). Information ratio: 0.88 (top quartile). Information ratio: -0.15 (lower 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 (%) SBI Small Cap Fund Growth ₹169.15
↓ -0.65 ₹35,563 500 0.4 15.3 -7.2 15.2 23.2 24.1 Aditya Birla Sun Life Small Cap Fund Growth ₹82.2854
↓ -0.29 ₹5,011 1,000 -1.9 18.1 -7.5 16.9 22.1 21.5 HDFC Small Cap Fund Growth ₹139.273
↓ -0.17 ₹36,353 300 3.2 22.4 -1 23 28.9 20.4 DSP Small Cap Fund Growth ₹194.34
↓ -0.30 ₹17,005 500 1 22.1 -2.7 20.4 26.4 25.6 Nippon India Small Cap Fund Growth ₹164.4
↓ -0.52 ₹65,922 100 -0.6 17.9 -7.9 23 31 26.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary SBI Small Cap Fund Aditya Birla Sun Life Small Cap Fund HDFC Small Cap Fund DSP Small Cap Fund Nippon India Small Cap Fund Point 1 Lower mid AUM (₹35,563 Cr). Bottom quartile AUM (₹5,011 Cr). Upper mid AUM (₹36,353 Cr). Bottom quartile AUM (₹17,005 Cr). Highest AUM (₹65,922 Cr). Point 2 Established history (15+ yrs). Oldest track record among peers (18 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: 23.17% (bottom quartile). 5Y return: 22.05% (bottom quartile). 5Y return: 28.86% (upper mid). 5Y return: 26.42% (lower mid). 5Y return: 31.05% (top quartile). Point 6 3Y return: 15.16% (bottom quartile). 3Y return: 16.90% (bottom quartile). 3Y return: 22.95% (upper mid). 3Y return: 20.36% (lower mid). 3Y return: 22.96% (top quartile). Point 7 1Y return: -7.23% (lower mid). 1Y return: -7.47% (bottom quartile). 1Y return: -0.95% (top quartile). 1Y return: -2.72% (upper mid). 1Y return: -7.92% (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: -3.84 (bottom quartile). Point 9 Sharpe: -0.63 (bottom quartile). Sharpe: -0.43 (lower mid). Sharpe: -0.17 (upper mid). Sharpe: -0.06 (top quartile). Sharpe: -0.51 (bottom quartile). 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: 0.00 (bottom quartile). SBI Small Cap Fund
Aditya Birla Sun Life 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 ₹61.1164
↑ 0.04 ₹13,727 500 1.4 15.8 3.4 23 18.8 45.7 Kotak Standard Multicap Fund Growth ₹82.518
↓ -0.19 ₹53,293 500 -1.3 15.3 -0.2 16.2 18.2 16.5 Mirae Asset India Equity Fund Growth ₹110.982
↓ -0.40 ₹39,975 1,000 -0.1 13.1 -1 12.9 15.9 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 ₹84.667
↓ -0.57 ₹1,974 100 -0.5 11.7 -0.2 17.2 16.4 30.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 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 (₹13,727 Cr). Highest AUM (₹53,293 Cr). Upper mid AUM (₹39,975 Cr). Bottom quartile AUM (₹588 Cr). Bottom quartile AUM (₹1,974 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: 18.76% (top quartile). 5Y return: 18.25% (upper mid). 5Y return: 15.90% (bottom quartile). 5Y return: 13.57% (bottom quartile). 5Y return: 16.42% (lower mid). Point 6 3Y return: 22.96% (top quartile). 3Y return: 16.19% (bottom quartile). 3Y return: 12.88% (bottom quartile). 3Y return: 17.28% (upper mid). 3Y return: 17.19% (lower mid). Point 7 1Y return: 3.43% (upper mid). 1Y return: -0.16% (lower mid). 1Y return: -0.97% (bottom quartile). 1Y return: 19.34% (top quartile). 1Y return: -0.22% (bottom quartile). Point 8 Alpha: 10.18 (upper mid). Alpha: 2.01 (lower mid). Alpha: 1.71 (bottom quartile). Alpha: 0.00 (bottom quartile). Alpha: 10.39 (top quartile). Point 9 Sharpe: 0.11 (lower mid). Sharpe: -0.31 (bottom quartile). Sharpe: -0.35 (bottom quartile). Sharpe: 2.86 (top quartile). Sharpe: 0.24 (upper mid). Point 10 Information ratio: 0.80 (top quartile). Information ratio: 0.24 (lower mid). Information ratio: -0.36 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.29 (upper 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 ₹19.5537
↓ 0.00 ₹15,550 500 1.5 3.2 6.8 7 5.7 7.7 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹1,501.53
↓ -3.90 ₹7,480 100 0.1 11.5 -0.3 12.9 15.5 15.3 Kotak Equity Arbitrage Fund Growth ₹37.8154
↓ 0.00 ₹71,608 500 1.5 3.2 6.9 7.2 5.9 7.8 ICICI Prudential Equity Arbitrage Fund Growth ₹34.622
↑ 0.00 ₹31,526 1,000 1.5 3.3 6.9 7 5.7 7.6 Nippon India Arbitrage Fund Growth ₹26.7717
↑ 0.00 ₹15,383 100 1.5 3.1 6.6 6.8 5.6 7.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Edelweiss Arbitrage Fund Aditya Birla Sun Life Equity Hybrid 95 Fund Kotak Equity Arbitrage Fund ICICI Prudential Equity Arbitrage Fund Nippon India Arbitrage Fund Point 1 Lower mid AUM (₹15,550 Cr). Bottom quartile AUM (₹7,480 Cr). Highest AUM (₹71,608 Cr). Upper mid AUM (₹31,526 Cr). Bottom quartile AUM (₹15,383 Cr). Point 2 Established history (11+ yrs). Oldest track record among peers (30 yrs). Established history (19+ 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 Low. Risk profile: Moderately High. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 5Y return: 5.71% (lower mid). 5Y return: 15.50% (top quartile). 5Y return: 5.88% (upper mid). 5Y return: 5.70% (bottom quartile). 5Y return: 5.58% (bottom quartile). Point 6 3Y return: 7.01% (bottom quartile). 3Y return: 12.89% (top quartile). 3Y return: 7.19% (upper mid). 3Y return: 7.02% (lower mid). 3Y return: 6.84% (bottom quartile). Point 7 1Y return: 6.79% (lower mid). 1Y return: -0.26% (bottom quartile). 1Y return: 6.89% (top quartile). 1Y return: 6.88% (upper mid). 1Y return: 6.56% (bottom quartile). Point 8 1M return: 0.49% (lower mid). 1M return: -1.27% (bottom quartile). 1M return: 0.51% (top quartile). 1M return: 0.50% (upper mid). 1M return: 0.49% (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.09 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: 0.90 (lower mid). Sharpe: -0.38 (bottom quartile). Sharpe: 1.19 (upper mid). Sharpe: 1.21 (top quartile). Sharpe: 0.26 (bottom quartile). Edelweiss Arbitrage Fund
Aditya Birla Sun Life Equity Hybrid 95 Fund
Kotak Equity Arbitrage Fund
ICICI Prudential Equity Arbitrage Fund
Nippon India 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!