How to Start SIP in Mutual Funds – Step-by-Step Process (India 2025)

A Systematic Investment Plan (SIP) is one of the simplest and most effective ways for individuals to start investing in mutual funds in India. It allows you to invest a fixed amount regularly—usually monthly—into a selected mutual fund scheme, helping you build wealth with discipline, consistency, and the power of compounding.

Whether you’re a salaried employee, freelancer, or small business owner, SIP is the go-to route to achieve long-term financial goals without timing the market.

What Is an SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed sum in a mutual fund scheme at regular intervals—typically monthly or quarterly. Instead of investing a lump sum, SIP spreads your investments over time and averages out market volatility (known as rupee cost averaging).

It’s ideal for building wealth for goals like retirement, education, home buying, or simply financial independence.

Benefits of Starting SIP in 2025

• Disciplined Wealth Building: Automates savings into investments

• Rupee Cost Averaging: Buys more units in market dips, fewer in highs

• Power of Compounding: Your investments grow exponentially over time

• Low Entry Point: Start with as little as ₹100/month

• Flexible & Transparent: Pause, increase, or stop anytime without penalties

Step-by-Step Process to Start SIP in India (2025)

Step 1: Complete KYC

Before you can invest in any mutual fund, KYC (Know Your Customer) is mandatory.

Documents required

• PAN card

• Aadhaar card

• Bank account details

• Passport-size photo

You can complete e-KYC online through platforms like Zerodha Coin, Groww, or via One Solution’s investment portal.

Step 2: Choose a Trusted Platform or Advisor

You can start your SIP via

• AMC websites (e.g., SBI MF, ICICI MF)

• Mutual fund platforms (e.g., Coin by Zerodha, Paytm Money)

• Banks

• Certified advisors like One Solution, who provide tailored guidance and long-term support

Step 3: Select the Right Mutual Fund Scheme

Factors to consider:

• Investment objective (wealth creation, tax saving, income)

• Risk profile (conservative, moderate, aggressive)

• Time horizon

• Fund category (Equity, Debt, Hybrid, ELSS)

Platforms like One Solution offer personalized recommendations based on these factors.

Step 4: Decide the SIP Amount and Frequency

• Minimum SIP starts at ₹100 or ₹500/month

• Choose between monthly, fortnightly, or quarterly SIPs

• Ensure consistent bank balance for auto-debits

Step 5: Set Up Auto-Debit Mandate

Authorize your bank to auto-debit the SIP amount using:

• UPI-based mandate

• Net banking

• NACH (National Automated Clearing House) form

Once set, your SIP will continue investing every cycle automatically.

Step 6: Monitor and Review Regularly

• Track fund performance every 6–12 months

• Don’t panic in market downturns—stay invested for long-term growth

• Rebalance your SIPs based on life stage and goals

Platforms like One Solution provide free SIP reviews and portfolio health checks.

Final Thoughts

Starting an SIP in 2025 is easier and smarter than ever. With automated tools, paperless onboarding, and expert advisory, even first-time investors can start their wealth-building journey with confidence.

One Solution helps clients initiate SIPs aligned with their goals—be it retirement, tax savings, child education, or financial freedom—with zero paperwork and complete support.

Related Blogs:

• What Are Mutual Funds? Complete Guide for Beginners in India (2025)

• Types of Mutual Funds in India Explained with Examples

• ELSS – Tax Saving Mutual Funds and How They Work

• Mutual Fund Myths You Need to Stop Believing in 2025