SIP in Indian Stocks
Invest in 5000+ Indian stocks or ETFs through automated SIPs. Money moves directly from your bank account and automatically invests in your chosen stock or ETF. Zero platform fees.
How To Set Up SIP in Indian Stocks on INDmoney?
Search and select a stock
Open the INDmoney app and go to the INDstocks section. Search from 5,000+ NSE and BSE-listed stocks and ETFs. Tap any stock to open its detail page.
Set amount and frequency
Enter the amount you want to invest per instalment. Choose daily, weekly, or monthly. Then select the date or day of the week you want your SIP to execute.
Set up autopay via UPI
Complete UPI verification to set up autopay. This is a one-time setup. From your next scheduled date, the amount is debited automatically, and the stock is purchased.
Key Features of SIP in Indian Stocks
Auto-invest via UPI
No need to maintain a wallet balance before every SIP. INDmoney debits directly from your linked bank account via UPI on each scheduled SIP date and places the purchase automatically.
Track SIP return separately
INDmoney tracks returns for your SIP investments separately from any lump-sum purchases made in the same stock. This lets you evaluate whether your SIP strategy is performing independently or not.
Pause or edit SIP anytime
You can pause a SIP to skip upcoming instalments without cancelling it, or edit the amount and frequency at any time. Changes apply from your next scheduled order. There are no penalties or charges.
Manage all SIPs in one place
Every active and paused SIP across all your stocks is visible from a single SIP centre. Track upcoming order dates, total invested amount, and current value for each SIP without switching between stock pages.
Benefits of SIP in Indian Stocks
Reduce Timing Risk
Each SIP buys shares at the market price on that day. Over time, you buy more shares when prices are lower and fewer when prices are higher. This averages your cost of acquisition across market cycles and reduces the risk of investing a large amount at the wrong time.
Build Wealth Systematically
A monthly SIP of Rs.5,000 in a stock over 10 years at a 12% annualised return grows to roughly Rs.11.6 lakh from Rs.6 lakh invested. The compounding effect amplifies significantly the longer you stay invested, making early and consistent investing powerful.
Frequently Asked Questions
The concept is similar: you invest a fixed amount at regular intervals. But there is a key difference. In a stock SIP, you are buying shares of a specific company directly, so your returns depend entirely on that company's performance. A mutual fund SIP gives you diversified exposure managed by a fund manager. Stock SIPs work well for investors who are confident in specific companies and want to build a position over time without trying to time the market.
If your bank account does not have sufficient balance, the UPI debit will fail and that SIP instalment will be skipped. Your SIP stays active and the next scheduled installment proceeds normally. There is no penalty for a missed instalment, but repeated failures may prompt you to update your autopay settings.
Yes. You can run SIPs in multiple stocks and ETFs simultaneously, each with its own amount, frequency, and schedule. All of them appear on your SIP dashboard in one view.
On INDmoney, you can pause or edit a SIP but not delete it through the app interface. If you want to stop investing, pause the SIP. Your existing holdings in that stock are not affected.
Each SIP instalment is a separate purchase with its own date. When you sell, tax is calculated per instalment based on how long you held those specific shares. Shares sold within 12 months of purchase attract short-term capital gains tax at 20%. Shares held for more than 12 months attract long-term capital gains tax at 12.5% on gains above Rs.1.25 lakh in a financial year.
No. SIP purchases and any lump-sum purchases in the same stock are tracked separately. Returns are shown independently for each type of investment so you can compare how each approach is performing.
Step-Up SIP lets you automatically increase your SIP amount at a defined interval, for example by Rs.500 every year. This helps you invest more as your income grows without needing to manually update the SIP each time.
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