Start SIP | Goal-Based SIP Investment | Sanchay Karo — Be an Investor, Not a Trader
0+Happy Investors
₹500Min. SIP Amount
AMFIRegistered Distributor
5 MinQuick Onboarding
✨ Be an Investor, Not a Trader ✨

Stop Gambling. Start SIP for Real Wealth

Break free from F&O losses. Choose goal-based Start SIP plans: Child Education, Retirement, 1 Crore, High Returns. Sanchay Karo is an AMFI registered, NSE MF integrated mutual fund platform trusted by 1L+ investors. Be an investor, not a trader — say no to F&O and build lasting wealth creation and financial freedom through a disciplined, goal-based SIP.

AMFI Registered (ARN-301757) NSE MF Integrated SEBI Regulated Funds
Goal Based Investment
AMFI Registered Distributor
NSE MF Integrated Platform
Paperless e-KYC & Video KYC
Secure ENACH Mandate
Easy SWP & Redemption
Why Sanchay Karo

Why Choose Sanchay Karo for SIP Investment?

Break the trading trap. Embrace smart investing and goal-based SIP for true wealth creation and SIP benefits on a regulated, mutual fund SIP platform built for serious SIP investors.

The F&O Trading Trap

  • ✕ 90% of traders lose money
  • ✕ Extreme volatility & stress
  • ✕ Emotional decisions & losses
  • ✕ Gambling vs strategic investing

Smart Goal-Based SIP Way

  • ✓ Systematic wealth creation
  • ✓ Power of compounding
  • ✓ Discipline & AI recommendations
  • ✓ Long-term growth, manageable risk

Powerful Features for Every Investor

Free Portfolio Review

Yearly alignment with child education, retirement goals.

AI-Based Recommendations

Personalized fund picks for maximum returns.

Goal-Based Planning

6 smart SIP plans: 1 Crore, Retirement, Marriage & more.

AMFI & SEBI Regulated

NSE MF integrated, registered distributor — fully secure and transparent.

Your Goals, Your SIP

🎯 Your Dreams, Our Goal-Based SIP Plans

Set your SIP goal and let it work for you — Child Education SIP, Retirement SIP, the 1 Crore SIP journey, or simply a plan that's better than FD. Start SIP, stay on track, become a SIP Crorepati.

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My First Crore

Become a Crorepati in 12-15 years with disciplined SIP.

~₹25k-30k/month*
Start Journey →

Emergency Fund

Build 6-12 months of expenses in liquid/low-risk funds for life's surprises.

~₹2,000/month*
Build Cushion →
Popular

Tax Saving

ELSS SIPs help reduce taxable income with just a 3-year lock-in.

Save up to ₹46,800*
Save Tax →

Long Term Wealth

High return potential vs FD. Aim to beat inflation over 10+ years.

Start from ₹500
Explore →

Retirement

Build ₹2 Cr+ for peaceful retirement with SWP option.

~₹5,000/month*
Plan Now →

Park Your Spare Money

Put idle savings to work instead of letting them sit idle in a bank account.

Start from ₹500
Start Now →

Swipe to see all 6 goals

*Illustrative estimates assuming a 12% annual return; actual returns vary with market performance and are not guaranteed.

Plan Your Wealth

📈 See the Power of Compounding – SIP Calculator

See the projected SIP value and the compounding power behind your money. Use the advanced SIP calculator below — start SIP from ₹500 and watch wealth creation unfold over time.

Calculator Mode:

Estimated Maturity Corpus

₹0

Total Invested: ₹0  |  Estimated Gains: ₹0

*Returns are illustrative, past performance not guaranteed. This is not investment advice.
Simple & 100% Digital

Start Your SIP in Just 5 Minutes

Start SIP today, fully online — download the SIP app, complete easy KYC, register a paperless ENACH mandate, and you're investing.

1

Download Sanchay Karo App

Install from Google Play / App Store. Free, no charges.

Download App
2

Complete eKYC (Paperless)

Aadhaar + PAN OTP verification. 100% digital, no paperwork.

Start KYC Process →
3

Risk Profiling Assessment

AI-driven risk analysis to find the right SIP for you.

Take Risk Assessment →
4

Mandate Registration (ENACH)

One-time e-mandate for seamless auto-debit every month.

Register Mandate →
5

Launch Your Goal-Based SIP

Start with ₹500/month & watch wealth grow with the power of compounding.

Activate SIP Now →

Ready to Begin Your Goal-Based SIP Journey? 🇮🇳

Join 1,00,000+ investors – Child Education, Retirement & more. AMFI registered, NSE MF integrated.

Start Free SIP Now
FY 2026-27 Rules

How to Save Tax by Investing in Mutual Funds (2026)

Here's exactly how a mutual fund SIP can lower your tax bill this year, under the rules applicable for FY 2026-27 (AY 2027-28).

Invest in ELSS Funds

ELSS is the only mutual fund category that offers a tax deduction. SIP into an ELSS scheme and claim up to ₹1.5 Lakh/year as a deduction — the shortest lock-in (3 years) of any 80C option.

Choose the Old Tax Regime

This deduction applies only if you opt for the Old Tax Regime while filing. Section 80C is renumbered as Section 123 under the new Income-tax Act, 2025, effective FY 2026-27 — the ₹1.5L limit is unchanged.

See the Actual Saving

A full ₹1.5L ELSS SIP can save up to ₹46,800/year for someone in the 30% slab (incl. 4% cess) — money that would otherwise go straight to tax.

Stay Invested 3+ Years

Every SIP instalment carries its own 3-year lock-in from its investment date, so plan withdrawals instalment-wise rather than assuming the whole SIP unlocks together.

Plan Around LTCG on Exit

When you redeem after the lock-in, long-term capital gains above ₹1.25 Lakh in a financial year are taxed at 12.5%. Spreading redemptions across years can help you use this exemption each year.

Combine with Other 80C Limits

ELSS shares the same ₹1.5 Lakh cap with PPF, EPF, life insurance and tuition fees — so total your existing 80C outgo first, then SIP into ELSS for whatever headroom is left.

This tax-saving route is available only under the Old Tax Regime and only through ELSS mutual funds; the New Tax Regime does not allow this deduction. Rules shown are for FY 2026-27 and are subject to change — please consult your tax advisor before deciding your regime.
Beyond SIP

Exclusive Financial Services

Beyond SIP — a cashback card, loan against portfolio, an NPS pension account, NRI SIP options, and a way to earn with SIP as a partner.

Apply Cashback Card

Earn up to 5% cashback. Zero hidden fees.

Apply Now →

Loan Against Portfolio

Instant liquidity against mutual funds/shares.

Check Eligibility →

NPS Pension Account

Secure retirement + extra ₹50k tax benefit.

Open Account →

NRI Investments

Repatriable mutual funds via NRE/NRO accounts.

Explore NRI Plans →

Earn Money – Partner Program

Trail commission, smart distributor panel.

Start Earning →
Trusted By Investors

What Our Users Say

Real stories from investors who switched to goal-based SIP.

Inside The App

Experience the Sanchay Karo App

Download the Sanchay Karo SIP app — your mutual fund app for seamless goal tracking, AI insights, and one-click SIP management.

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Your Money, Protected

Is Sanchay Karo Safe to Invest With?

Built on a regulated, NSE MF integrated backbone — every transaction is transparent, traceable and compliant.

AMFI Registered Distributor

Sanchay Karo operates as an AMFI registered Mutual Fund Distributor (ARN-301757), as required by SEBI regulations.

NSE MF Integrated

Transactions are processed through the NSE MF platform, the same infrastructure used by India's leading AMCs and distributors.

Your Units, Your Name

Mutual fund units are held directly in the investor's own folio with the AMC/Depository — never with Sanchay Karo.

Bank-Grade Data Security

e-KYC, ENACH mandates and OTP-based authentication keep your personal and financial data encrypted and secure.

Top 20 Questions

Frequently Asked Questions

Everything about SIP basics, app features, safety, KYC, tax, SWP and redemption with Sanchay Karo — answered in one place.

SIP Basics
App Features
Safety & KYC
Tax, SWP & Redemption
01.What is a SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund scheme every month. Each instalment buys units at that day's NAV, which averages out your purchase cost over time (rupee-cost averaging) and lets compounding work in your favour.
02.What is the minimum SIP amount with Sanchay Karo?
You can start a goal-based SIP with as low as ₹500 per month through the Sanchay Karo app, across child education, retirement, 1 Crore and tax-saving ELSS goals.
03.SIP vs lump sum — which is better?
SIP spreads your investment across market cycles and removes the pressure of timing the market, which suits most salaried investors. A lump sum can work well when you already have a large surplus and a longer time horizon. Many investors use both together.
04.Can I lose money in SIP or mutual fund investments?
Yes. Mutual funds are market-linked and their value can go up or down, so SIP returns are never guaranteed. Staying invested for the long term and matching the fund's risk level to your goal helps manage this risk, but it cannot be eliminated entirely.
05.How long should I stay invested for good results?
SIPs are designed for the long term. Most goal-based plans (education, retirement, 1 Crore) are built around 7-20 year horizons, since compounding needs time and short-term market dips tend to smooth out over longer periods.
06.How do I download and set up the Sanchay Karo app?
Download Sanchay Karo free from Google Play or the App Store, complete paperless e-KYC with Aadhaar/PAN OTP, finish a quick risk profile, register an ENACH mandate, and you can activate your first SIP — the whole flow takes about 5 minutes.
07.How does AI-based fund recommendation work in the app?
After your risk-profiling assessment, the app's recommendation engine matches your risk appetite, goal and time horizon to a curated shortlist of mutual fund schemes, helping you pick a fund without needing to research every option yourself.
08.How do I set or edit a financial goal in the app?
Open the Goal section in the app, choose a template like Child Education, Retirement or 1 Crore (or create a custom goal), enter your target amount and timeline, and the app suggests a monthly SIP amount. You can edit the target or amount anytime.
09.Does the app show live NAV, XIRR and portfolio performance?
Yes. The dashboard displays live NAV, current units, invested value, gains/losses and XIRR for every scheme, along with a complete transaction history for all your SIPs, SWPs and redemptions.
10.Will I get reminders for SIP due dates and KYC renewal?
Yes. The app sends push notifications for upcoming SIP debits, mandate failures, KYC re-verification, and important portfolio updates so you never miss an instalment.
11.Is Sanchay Karo SEBI and AMFI regulated and safe?
Yes. Sanchay Karo is an AMFI registered Mutual Fund Distributor (ARN-301757) and routes every transaction through the NSE MF integrated platform, so all activity is regulated, transparent and traceable.
12.What documents do I need for e-KYC?
You typically need your PAN card and Aadhaar-linked mobile number for OTP-based e-KYC, plus a bank account for ENACH mandate registration. The entire process is paperless and completes inside the app.
13.Where are my mutual fund units actually held?
Your investment is never held by Sanchay Karo. Units are allotted directly in your own folio with the respective AMC and reflected in your Consolidated Account Statement (CAS) from CAMS/KFintech.
14.What happens to my investments if Sanchay Karo shuts down?
Your mutual fund holdings remain completely unaffected because they sit in your own folio with the AMC and registrar, independent of the distributor platform. You can always access them directly via the AMC or another registered distributor.
15.Is my personal and banking data secure on the app?
Yes. e-KYC is completed via Aadhaar/PAN OTP verification with bank-grade encryption, and all mandates use secure, regulator-approved ENACH/e-mandate rails rather than storing your card or bank credentials.
16.What returns can I expect from a SIP?
Returns depend entirely on the underlying scheme's market performance and are never fixed or guaranteed. The calculator on this page uses an illustrative rate purely to show how compounding works — it is not a promise of future returns.
17.What tax benefits do ELSS SIPs offer under Section 80C?
ELSS SIPs qualify for a deduction of up to ₹1.5 Lakh under Section 80C (Old Tax Regime), with a 3-year lock-in per instalment. Long-term capital gains above ₹1.25 Lakh in a financial year are taxed at 12.5%.
18.How do I redeem or withdraw my mutual fund units?
Redemption (partial or full) can be initiated directly from the app. The redemption amount is credited to your registered bank account, typically within 1-3 business days depending on the scheme type.
19.Can I pause, stop or step-up my SIP anytime?
Yes. You can pause, cancel, modify the amount, or set an annual step-up on your ENACH mandate anytime from the app, without any penalty, and resume whenever you're ready.
20.What is SWP and how does it support retirement income?
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your accumulated corpus at regular intervals, which is commonly used to create a steady, retirement-style income stream from your mutual fund investments.
We're Here To Help

Get In Touch

Have questions about goal-based SIP or need assistance? Our team is here to help you build wealth.

Let's plan your future together with a Systematic Investment Plan.

    By entering your personal details, you hereby authorize AMFI registered Mutual Fund Distributor, ARN-301757 to contact you and this will override any NDNC registration made by you.

    Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not indicative of future returns. Sanchay Karo is an AMFI registered Mutual Fund Distributor (ARN-301757) and does not guarantee any returns.

    Someone just started a SIP just now

    Regulatory Disclosure: www.sanchaykaro.com is an online website   Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor |  ARN – 301757  | EUIN : E572917 |Date of  Registration: 22-07-2024  | Current validity:  15-07-27 | Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.

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