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

Explore SIP Goals Start in 5 Mins

Get it onGoogle Play

Download on theApp Store

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.

Popular

Child Education

Secure ₹50 Lakh+ for higher education by age 18.

~₹3,500/month*

Start SIP →

Retirement Corpus

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

~₹5,000/month*

Plan Now →

Trending

1st 1 Crore

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

~₹25k-30k/month*

Start Journey →

Better than FD Returns

High return potential + ELSS tax saving option. Aim to beat inflation.

Start from ₹500

Explore →

*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:

Monthly SIP Amount (₹) ₹5,000

Expected Annual Return (%) 12%

Time Period 10 years

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.

Download Sanchay Karo App

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

Download App

Complete eKYC (Paperless)

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

Start KYC Process →

Risk Profiling Assessment

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

Take Risk Assessment →

Mandate Registration (ENACH)

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

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

Save More, Tax Efficiently

Tax Benefits of SIP & ELSS

ELSS tax saving under Section 80C makes your SIP tax efficient. Save up to ₹46,800 (Old Regime) and understand LTCG before you invest.

ELSS 80C Deduction

Max ₹1.5L deduction, 3-year lock-in. Save up to ₹46,800 (30% slab). Start SIP from ₹500.

LTCG on Mutual Funds

Holding >1 year: 12.5% tax only on gains above ₹1.25L per year. STCG (<1 year): 20%.

Section 80D (Health Insurance)

Premium deduction up to ₹25K (self) & additional ₹25K for parents. Senior citizen limits higher.

Tax benefits available only under Old Tax Regime and are subject to change as per prevailing tax laws. Consult your tax advisor for regime selection.

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.

Home

Dashboard

Risk Profile & Recommendations

Set Your Goal

Goal-Based Investment

Portfolio Tracker

Your Profile

Profile & Settings

Slide 1 of 8

Swipe to explore

Google Play

App Store

Access Your Investment Portal

Customer Portal Distributor Portal

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.

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.

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.


 



 Your Full Name (required)

 

 Your Email Address (required)

 

 Subject (required)

 

 Your Message (optional)

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

Start your SIP todayFrom just ₹500/month

Start SIP

Stop Gambling. Start SIP for Real Wealth

Why Choose Sanchay Karo for SIP Investment?

The F&O Trading Trap

Smart Goal-Based SIP Way

Powerful Features for Every Investor

Free Portfolio Review

AI-Based Recommendations

Goal-Based Planning

AMFI & SEBI Regulated

🎯 Your Dreams, Our Goal-Based SIP Plans

Child Education

Retirement Corpus

1st 1 Crore

Better than FD Returns

📈 See the Power of Compounding – SIP Calculator

Estimated Maturity Corpus

Start Your SIP in Just 5 Minutes

Download Sanchay Karo App

Complete eKYC (Paperless)

Risk Profiling Assessment

Mandate Registration (ENACH)

Launch Your Goal-Based SIP

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

Tax Benefits of SIP & ELSS

ELSS 80C Deduction

LTCG on Mutual Funds

Section 80D (Health Insurance)

Exclusive Financial Services

Apply Cashback Card

Loan Against Portfolio

NPS Pension Account

NRI Investments

Earn Money – Partner Program

What Our Users Say

Experience the Sanchay Karo App

Access Your Investment Portal

Is Sanchay Karo Safe to Invest With?

AMFI Registered Distributor

NSE MF Integrated

Your Units, Your Name

Bank-Grade Data Security

Frequently Asked Questions

Get In Touch

Gole base Investment

Quick Link

Regulatory disclosure

Calculator

SIP Calculator

SWP Calculator

Retirement calculator

PPF Calculator

Lumpsum Calculator

ELSS Calculator

Target-Based SIP Calculator

Member ID: 63447

ARN- 301757

Member ID: 1009479

UDYAM-WB-12-0123391