What you'll find on the SIPfy blog
The SIPfy blog is organised around six categories that cover the entire SIP lifecycle. SIP Basics covers foundational concepts — what a SIP is, how it works, KYC, choosing your first fund, setting up the auto-debit mandate, and the mechanics of pausing, stopping, or redeeming. If you're new to SIPs, start here. SIP Strategies dives into the decision frameworks that separate average investors from great ones — step-up SIPs, top-up strategies, asset allocation across multiple SIPs, and how to adapt your SIP behaviour to different market cycles.
SIP vs Lump Sum tackles the eternal question head-on, with side-by-side mathematical comparisons across multiple time horizons and market scenarios. Mutual Funds covers fund selection — large-cap vs flexi-cap vs mid- and small-cap, direct vs regular plans, index funds vs active funds, expense ratios, and the red flags to avoid when picking a fund. SIP Taxation covers the current Indian tax rules for equity and debt fund SIPs, with worked examples for LTCG, STCG, and the ₹1.25 lakh exemption. Goal Planning & Retirement shows you how to work backwards from a target corpus — retirement, a home, children's education, or a sabbatical — to the monthly SIP needed today.
How the SIPfy blog is different
Three things make the SIPfy blog different from the dozens of other personal finance blogs covering SIPs. First, every article shows the math. We don't just say "step-up SIPs are powerful" — we show you the year-by-year table that proves it. We don't just say "start early" — we show you the ₹49 lakh gap between starting today and starting in five years. Numbers, not adjectives. Second, every article is reviewed against current rules. Indian mutual fund taxation changes frequently, fund house definitions evolve, and SEBI periodically reclassifies fund categories. We update articles when the rules change, and we date-stamp every article so you know how recent the information is.
Third, every article is unbiased. SIPfy earns no commissions from any fund house, platform, or product. We don't have affiliate links, we don't have "preferred partners", and we don't run sponsored content. The only revenue source is clearly-labelled display advertising through Google AdSense, which appears in five fixed positions per page and never influences the article content. When we recommend an approach, it's because the math supports it — not because someone paid us to say it.
Reading about SIPs is useful. Running the numbers is transformative. Do both.
Have a topic you'd like us to cover? Drop Bhanuprakash a line — he's always looking for the next article idea, especially if it's a question multiple readers have asked.