Mutual funds, explained before you invest.
A mutual fund pools money from many investors and invests it according to the fund’s stated objective. A Systematic Investment Plan (SIP) is a way to invest a chosen amount at regular intervals in an eligible mutual fund. The value can rise or fall, and returns are not guaranteed.
Only schemes that are actually offered
A fund appears here when it is one Choti SIP is set up to offer. A name you have seen in an advertisement is not automatically on the list.
SIP or a one-time amount
Both are ways to buy units. A scheme allows only the frequencies and minimums written in its documents.
Costs in the open
Expense ratio, exit load, and the minimum amount come from the scheme documents, not from a headline.
No score until it is real
A rating, a basket, or a ready-made mix is listed only after that feature exists, with the funds and the split written down.
How it works
- 01
Choose what you are planning for
A long-term goal and money you may need soon are different decisions.
- 02
Read the fund
Objective, costs, risk, and the contribution amount the scheme actually accepts.
- 03
Decide with the risks in view
You may receive less than you invest. Nothing on this page is a recommendation.
- 04
Review it later
Use the SIP calculator for an illustration, then check the live scheme documents before you proceed.
One fund, or a mix
You can learn about a single mutual fund, or about spreading a contribution across more than one. Spreading does not remove the chance of a loss. Choti SIP will list a ready-made mix only when that option is actually available, with the funds and the split written down.
What to read before you choose
Look at the fund’s objective, where it invests, the costs, how often you can contribute, and how a withdrawal works. The riskometer is a label, not a promise that the fund will stay inside your comfort. Past performance is a record of what already happened, not a promise of what happens next.
Find a routine the product supports
A daily, weekly, monthly, or annual contribution is shown only if that mutual fund supports it. Do not assume every fund accepts every frequency. If your income swings, the amount should be one you can pause without missing rent, food, or travel to work.
What an SIP does not do
A regular instalment buys units over time. It does not stop those units from falling in value, and it does not guarantee you will reach a goal amount. You may get back less than you paid in, even after many months.
Frequently asked questions
What is a mutual fund?
A mutual fund pools money from investors and invests it according to the fund’s stated objective.
What is an SIP?
A Systematic Investment Plan is a way to invest a chosen amount at regular intervals in an eligible mutual fund.
Are investment returns guaranteed?
No. Mutual fund investments are subject to market risks. Their value can rise or fall, and returns are not guaranteed.
Can I lose money?
Yes. Depending on market movements and the fund’s investments, the value can fall and you may receive less than you invested.
Can I stop or change an SIP?
Options and conditions depend on the specific mutual fund and the platform process. Check the applicable terms before investing.
Mutual fund investments are subject to market risks. Read the scheme documents carefully. Past performance does not guarantee future returns. Choti SIP will publish registration details and the list of available funds only after they are verified.
Try the SIP calculator