Build Massive Wealth Effortlessly
with IIFC Capital Smart SIP
Don’t just save; automate your wealth creation. Invest a fixed amount monthly, master market volatility through Rupee Cost Averaging, and watch your money compound.
MUTUAL FUND SERVICES
Pocket-Friendly Start
No Market Timing Needed
100% Flexible
*Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Past performance is not an indicator of future returns.
Beyond ordinary SIPs — 4 advanced types
ADVANCED OPTIONS
Top-Up / Step-Up SIP
What it is: Allows you to automatically increase your SIP amount by a fixed percentage or amount every year.
Why it matters: Perfectly aligns with your annual salary increments, drastically accelerating your journey to financial goals
Flexible SIP
What it is: Gives you the power to change your monthly investment amount based on your cash flow.
Why it matters: You can lower or skip installments during a cash crunch, and maximize investments when you receive business inflows or bonuses.
Perpetual SIP
What it is: A systematic plan set up without a fixed end date.
Why it matters: Keeps running silently in the background, allowing you to stop or redeem units exactly when your specific milestone is reached.
Trigger SIP
What it is: Executes investments based on specific market events, predefined index levels, or NAV targets.
Why it matters: Designed for experienced investors wanting to capitalize on sudden market corrections automatically.
How are your SIP returns taxed?
TAX CLARITY
TYPE |
HOLDING PERIOD |
TAX RATE |
EXEMPTION |
|---|---|---|---|
STCG -
Short-term gains
|
< 1 year
|
Flat 15%
|
None
|
LTCG -
Long-term gains
|
> 1 year
|
Only 10%
|
₹1L/yr tax-free
|
ELSS - Tax-saving fund
|
3-yr lock-in
|
10% post
|
Sec 80C deduction
|
High-Value Trust Checklist
Why automate your SIP with IIFC Capital?
Dynamic Rebalancing
If a fund underperforms 2 consecutive quarters, we transition your mandate to a higher-performing AMC automatically.
XIRR Optimization
We track your actual Extended Internal Rate of Return to ensure multiple cash flow points generate maximum compounding.
Bounce Protection
Your Customized SIP Plan is Now on Your WhatsApp.
Frequently Asked Questions
What happens if I miss one or two monthly SIP installments?
Your mutual fund plan will NOT be cancelled, and the AMC charges zero penalties. However, your bank might levy a mandate bounce fee. You can easily utilize IIFC Capital’s “Pause SIP” feature for 3 to 6 months to avoid this.
How is SIP return calculated? Is it absolute or CAGR?
Since SIP involves multiple investments over different periods, standard absolute return or CAGR can be misleading. Instead, we track your wealth using XIRR (Extended Internal Rate of Return), which factors in the specific timing of every single monthly installment.
Are SIPs secure for a medium-term 5-year horizon?
Yes, a 5-year investment horizon is excellent. Over 5 years, SIP effectively averages out market volatility (Rupee Cost Averaging), protecting your money from short-term crashes while compounding growth.
