How your money flows
You
Choti SIPPlatform only
AMCDirect custody
Your money is never held by Choti SIP. It flows directly to the AMC or bank.
Partnered with
UTI
ICICI
HDFC
Nippon
UTIICICIHDFCNipponSave ₹10 a day. We split it across equity mutual funds, debt funds, and gold funds — tuned to your goal. No jargon, no minimums, no lock-ins, no hidden fees.
We design every screen to be glanced at, not lived in. Open the app for 5 seconds in the morning, see your streak, get back to your day.
Every rupee you save is auto-split across three asset classes, tuned to your goal and risk. Or skip the auto-split and pick a single sleeve. We don't take a cut from your money — we make it from a flat plan, never from hidden fees.
Index funds, large-cap, ELSS. Institution-grade plans only — zero middleman fees, zero shady markup. 142 hand-screened schemes or one of our pre-built portfolios.
Liquid funds, short-duration, corporate bond. Park your emergency money and earn 7%+ — beats FDs, fully liquid, withdraw any time.
Invest in leading gold mutual funds and ETFs. Regulated by SEBI, tracking real 24K gold rates with zero tracking error and instant liquidity.
Return calculator
Based on the published past NAV of these schemes. Past performance is not a future return.
Over the past
Worked out from the published NAV of UTI Liquid Fund - Direct Plan - Growth through 21 Oct 2026. A monthly figure is one instalment a month; a daily figure uses each NAV day. This is what that past contribution would be worth on 21 Oct 2026, not a future return. Mutual fund investments are subject to market risks. Read the scheme documents before you invest.
Past value over 5 years
₹3,54,077
You invested₹3,00,000
Past gain₹54,077
UTIICICIHDFCNipponThe whole point of Chhoti Sip is to disappear into your day. Set it once and let the daily debits, the buying, and the rebalancing happen quietly in the background.
Buy a bike? Build a wedding fund? Just save for the sake of it? We design the split — equity, debt, gold — to match.
₹10, ₹50, ₹500 — or auto-round-up your UPI spends. Change it any day. Pause without penalty.
Mutual funds. Low-cost gold funds. Liquid debt funds. Auto-rebalanced quarterly. Withdraw to UPI in 60 seconds.
Daily streaks, monthly reports, fully transparent fees. No upselling, no nudges to over-invest.
We protect your money with the best-in-class security systems that help minimize frauds.
Your money is never held by Choti SIP. It flows directly to the AMC or bank.
UTI Mutual FundICICI PrudentialHDFC Mutual FundNippon IndiaWhat our users say
"I never thought I'd be investing. Chhoti Sip made it feel like nothing — I didn't even notice ₹10 leaving my account. But I noticed ₹2,400 growing."
"The round-up feature is genius. My ₹43 chai order automatically rounds up to ₹50 and the ₹7 goes into gold funds. Zero effort investing."
"Finally an app that doesn't use jargon. I set a goal for my Europe trip and Chhoti Sip just handles the rest. Already at 60% of my target!"
"Downloaded it on a whim, now I check my streak every morning like it's a game. 91-day streak and ₹9,100 saved. Habit unlocked."
"The auto-rebalance is what sold me. My previous app needed me to manually fix the portfolio. Here it just… does it. Brilliant."
"I never thought I'd be investing. Chhoti Sip made it feel like nothing — I didn't even notice ₹10 leaving my account. But I noticed ₹2,400 growing."
"The round-up feature is genius. My ₹43 chai order automatically rounds up to ₹50 and the ₹7 goes into gold funds. Zero effort investing."
"Finally an app that doesn't use jargon. I set a goal for my Europe trip and Chhoti Sip just handles the rest. Already at 60% of my target!"
"Downloaded it on a whim, now I check my streak every morning like it's a game. 91-day streak and ₹9,100 saved. Habit unlocked."
Everything you'd expect from a premium wealth product, made minimal enough for a daily habit. No gimmicks. No paywalls on what should be standard.
We make money from a flat ₹39/month for Chhoti Sip+ — never from hidden markups or cuts of your savings.
Your ₹47 cab becomes a ₹50 spend; the ₹3 buys ₹2 of an index fund and ₹1 of gold funds. Effortless.
“Bike in 18 months”. “Sister’s wedding in 5 years”. We design the split, track the gap, nudge gently when needed.
Drifted too equity-heavy? We move the next few sips into debt or gold funds until you’re back on target. Tax-aware.
Liquid funds, gold funds, and most MFs settle within 60 seconds to your UPI account. Up to ₹50,000/day.
Capital gains, dividends, gold funds. Form 16, ELSS proof, everything ITR-ready. CA-mode shareable PDF.
Download Chhoti Sip, finish KYC in 60 seconds, and start investing automatically — across mutual funds, debt and gold funds, split the way you choose.
Scan with your phone to download Chhoti Sip