Khorwal Financials
SIP Planning
Build real, lasting wealth — one systematic investment at a time
A Systematic Investment Plan (SIP) is the single most powerful investing habit you can build. Instead of trying to time the market — a game that even the sharpest fund managers lose — SIPs let you invest a fixed amount every month, rain or shine.
The compounding math is staggering: ₹10,000/month invested over 20 years at a 12% average return doesn't give you ₹24L — it gives you ₹99.9L. That's the power of time, discipline, and the right fund selection working together.
At Khorwal Financials, we don't just set up your SIP and disappear. We engineer your entire SIP portfolio — mapped to specific life goals, reviewed quarterly, and adjusted as your income and priorities evolve
Minimum SIP Amount
₹500 / month
Ideal Tenure
5 – 30 years
Risk Profile
Customised to goal
Returns (Historical)
10–16% p.a. (equity)
Real Goals, Real Numbers
Child's Higher Education
₹25L in 15 yearsRequired SIP: ₹4,500/month @ 12%
Start today. Every year delayed costs ₹1,000+ more per month.
Retirement Corpus
₹2 Cr in 25 yearsRequired SIP: ₹9,500/month @ 12%
The same corpus requires ₹27,000/month if you start 10 years late.
Dream Home Down-Payment
₹15L in 7 yearsRequired SIP: ₹11,000/month @ 10%
Consistent SIP beats bank savings plans 3:1 over 7 years.
Myths That Are Costing You Money
Myth: I need a large lump sum to start investing.
Fact: You can start a SIP with just ₹500 a month. Time in the market matters more than the amount.
Myth: SIPs only work in bull markets.
Fact: SIPs actually buy more units when markets dip — a phenomenon called rupee cost averaging that benefits long-term investors.
Myth: I should wait for the market to correct before starting.
Fact: Timing the market consistently is impossible even for professionals. SIP removes that burden entirely.
Why an Advisor Matters
Anyone can download an app and start an SIP. But apps don't tell you when to increase your SIP, which underperforming fund to exit, or how to rebalance when your target goal approaches. Investors don't fail because of fund selection, but because advisors prevent panic-selling during downturns. That 2–3% difference compounds into lakhs over a decade. That's the Khorwal Financials difference.
Our SIP Planning Process
Frequently Asked Questions
Most mutual fund schemes allow you to start a Systematic Investment Plan (SIP) with as little as ₹500 per month. Some specialized schemes may even allow ₹100, making it accessible for everyone.