--- title: Sanchay canonical_url: https://sanchaykaro.com/sanchay/ last_updated: 2026-06-23T09:04:26+00:00 plugin_version: 1.2.2 --- # Sanchay Sanchay Karo โ€“ Start SIP | Goal-Based Mutual Fund Investment AMFI Registered ARN-301757 NSE MF Integrated Platform Start SIP from โ‚น500/month 1 Lakh+ Happy Investors SEBI Regulated Funds AI-Based Recommendations Zero Commission Direct Plans Bank-Grade Data Security AMFI Registered ARN-301757 NSE MF Integrated Platform Start SIP from โ‚น500/month 1 Lakh+ Happy Investors SEBI Regulated Funds AI-Based Recommendations Zero Commission Direct Plans Bank-Grade Data Security Made in India ๐Ÿ‡ฎ๐Ÿ‡ณ for Indians Stop Gambling. Start SIP for Real Wealth. ============================================= Break free from F&O losses. Choose goal-based SIP plans โ€” Child Education, Retirement, 1 Crore & more. AMFI registered, NSE MF integrated. Trusted by 1 Lakh+ investors. [ Get App Free ](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757) [ Customer Login ](https://dashboard-sanchaykaro.rabbitinvest.com/) 1L+ Happy Investors โ‚น500 Min. Monthly SIP 5 Min Quick Onboarding AMFI Registered ARN-301757 โœจ Why Choose Sanchay? **Fast Paperless KYC** Aadhaar + PAN OTP. Done in 5 minutes. **AI-Powered Recommendations** Personalized picks for up to 10% extra returns. **Goal-Based Smart Portfolios** Education, Retirement, 1 Crore & more. **Bank-Grade Security** NSE MF integrated. SEBI regulated. Fully safe. [ Start Investing Now ](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757) 0 Crore+ AUM Managed 0 Lakh+ Active SIPs 0 Goal Plans Available 0 Cities Reached 0 AMC Partners Goal-Based SIP ๐ŸŽฏ Your Dreams, Our SIP Plans ------------------------------ Set your financial goal and let Sanchay Karo's AI pick the perfect mutual fund mix for you. ๐ŸŽ“ ### Child Education SIP Secure โ‚น50 Lakh+ for higher education by age 18. Start early, let compounding do the rest. ~โ‚น3,500/month [Start Plan ](https://sanchaykaro.com/app) ๐ŸŒ… ### Retirement Corpus SIP Build โ‚น2 Crore+ for a peaceful retirement with a monthly SWP income post-retirement. ~โ‚น5,000/month [Plan Now ](https://sanchaykaro.com/app) ๐Ÿ’ฐ ### First โ‚น1 Crore SIP Become a Crorepati in 12โ€“15 years with disciplined monthly SIP. It's simpler than you think. ~โ‚น25,000/month [Start Journey ](https://sanchaykaro.com/app) ๐Ÿ  ### Dream Home SIP Save for your dream home down payment. Beat inflation with equity-linked SIP returns. ~โ‚น8,000/month [Explore ](https://sanchaykaro.com/app) ๐Ÿ’’ ### Daughter's Marriage SIP Plan ahead for your daughter's marriage with a dedicated, long-term SIP goal portfolio. ~โ‚น4,000/month [Start Now ](https://sanchaykaro.com/app) ๐Ÿš— ### New Car / Emergency Fund Short-term goals too! Park funds in liquid & debt mutual funds for safety + returns. From โ‚น500/month [Explore ](https://sanchaykaro.com/app) Simple Process Start Your SIP in Just 5 Minutes ---------------------------------- 100% digital, paperless, and hassle-free. No branch visits, no physical forms. 1 #### Download App Available free on Google Play & App Store. [Download โ†’](https://sanchaykaro.com/app) 2 #### Complete eKYC Aadhaar + PAN OTP verification. 100% digital. [Learn โ†’](https://sanchaykaro.com/simplified-kyc-process-with-sanchay-karo/) 3 #### Risk Profile AI-driven assessment to find the right SIP for you. [Take Quiz โ†’](https://sanchaykaro.com/creating-your-risk-profile/) 4 #### ENACH Mandate One-time e-mandate for seamless auto-debit monthly. [Register โ†’](https://sanchaykaro.com/mandate-registration-in-sanchay-karo-app/) 5 #### Activate SIP ๐ŸŽ‰ Start from โ‚น500/month. Watch your wealth grow! [Start Now โ†’](https://sanchaykaro.com/app) SIP Calculator See the Power of Compounding ------------------------------ Adjust sliders to estimate your wealth. Start SIP from โ‚น500 and watch it grow. ### SIP Wealth Estimator Simple SIP Step-Up SIP Lumpsum + SIP Monthly SIP Amount โ‚น5,000 Expected Return (% p.a.) 12% Time Period 10 yrs Monthly SIP Amount โ‚น5,000 Annual Step-Up % 10% Expected Return (% p.a.) 12% Time Period 10 yrs Lumpsum Investment โ‚น50,000 Monthly SIP โ‚น5,000 Expected Return (% p.a.) 12% Time Period 10 yrs ### Estimated Maturity Corpus โ‚น0 \*Illustrative only. Not guaranteed. Gain 0% Total Investedโ‚น0 Estimated Gainsโ‚น0 XIRR (Approx.)12% [ Start This SIP Now ](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757) Fund Categories Invest in Top Mutual Fund Categories -------------------------------------- Handpicked fund types for every risk profile and financial goal. ๐Ÿ™๏ธ ### Large Cap Funds Top 100 blue-chip companies. Maximum stability with steady growth over 5โ€“10 years. Low-Medium Risk ๐ŸŒฑ ### Small Cap Funds Explosive growth from emerging market leaders. Best for high-risk, long-term investors. High Risk ๐Ÿ˜ ### Mid Cap Funds Companies between large and small cap โ€” the sweet spot of growth and stability. Medium-High Risk ๐Ÿ’š ### ELSS Tax Savers Save up to โ‚น46,800 in taxes under Section 80C. Shortest lock-in of just 3 years. 80C Tax Benefit ๐Ÿ“Š ### Index Funds Track Nifty 50 / Sensex. Ultra-low cost, no fund manager risk. Consistent returns. Low Cost ๐Ÿ›ก๏ธ ### Debt / Liquid Funds Park short-term funds safely. Better than savings account returns. Withdraw anytime. Low Risk Your Money is Safe Is Sanchay Karo Safe to Invest? --------------------------------- Built on a SEBI-regulated, NSE MF integrated backbone. Fully transparent and traceable. ๐Ÿ›๏ธ #### AMFI Registered ARN-301757. Registered Mutual Fund Distributor as required by SEBI regulations. ๐Ÿ”— #### NSE MF Integrated All transactions processed through NSE MF โ€” same infrastructure used by top AMCs. ๐Ÿ“ #### Your Units, Your Name Fund units are held in YOUR folio with the AMC, never with Sanchay Karo. ๐Ÿ”’ #### Bank-Grade Security Aadhaar OTP eKYC, ENACH e-mandate, and encrypted data storage. Beyond SIP Exclusive Financial Services ------------------------------ Sanchay Karo is more than SIP โ€” a complete wealth management ecosystem for every Indian. [ ๐Ÿ’ณ #### Cashback Card Earn up to 5% cashback on every spend. Zero hidden fees. Apply Now โ†’ ](https://sanchaykaro.com/cashback-card/) [ ๐Ÿ’ผ #### Loan Against Portfolio Instant liquidity against your mutual fund/share holdings. Check Eligibility โ†’ ](https://sanchaykaro.com/loan-against-portfolio/) [ ๐Ÿ–๏ธ #### NPS Pension Account Secure retirement + extra โ‚น50K tax benefit under Section 80CCD. Open Account โ†’ ](https://sanchaykaro.com/pension/) [ โœˆ๏ธ #### NRI Investments Repatriable mutual funds via NRE/NRO accounts for NRI investors. Explore NRI Plans โ†’ ](https://sanchaykaro.com/nri-investment/) [ ๐Ÿค #### Partner & Earn Refer investors, earn trail commission. Smart distributor panel included. Start Earning โ†’ ](https://sanchaykaro.com/earn-money/) [ ๐Ÿ“‹ #### SWP (Withdrawal Plan) Systematic Withdrawal Plan for regular post-retirement monthly income. Learn More โ†’ ](https://sanchaykaro.com/national-pension-scheme/) Real Investors Trusted by Thousands of Indians --------------------------------- โ˜…โ˜…โ˜…โ˜…โ˜… The goal planner changed everything. I set up my daughter's education fund in minutes. Finally an app that actually cares about my goals! R Rakesh VermaAhmedabad, Gujarat โ˜…โ˜…โ˜…โ˜…โ˜… Zero commission really makes a difference over the long run. My portfolio is growing faster than it ever did on my bank's app. S Sneha KapoorMumbai, Maharashtra โ˜…โ˜…โ˜…โ˜…โ˜… Switched from F&O trading to SIP via Sanchay. Best decision ever. Already seeing steady growth without the sleepless nights! A Amit JoshiPune, Maharashtra โ˜…โ˜…โ˜…โ˜…โ˜… The AI recommendation picked the right fund for me based on my risk profile. 15% returns in one year, couldn't be happier. P Priya SharmaDelhi, NCR โ˜…โ˜…โ˜…โ˜…โ˜… The KYC was surprisingly quick. Within 5 minutes my account was live and my first SIP was running. Extremely smooth experience. K Karan PatelSurat, Gujarat โ˜…โ˜…โ˜…โ˜…โ˜… Sanchay's support team is very responsive. They helped me complete my ENACH mandate patiently. Highly recommend to every investor. M Meena IyerChennai, Tamil Nadu FAQ Top 20 Questions About Sanchay Karo ------------------------------------- Everything you need to know about SIP, KYC, safety, withdrawal and more. General & SIP Safety & Regulation Manage & Withdraw Tax Benefits What is Sanchay Karo? Sanchay Karo is an AMFI-registered (ARN-301757) goal-based mutual fund investment platform. It helps everyday Indians invest in mutual funds through systematic SIP, with AI-powered recommendations, zero-commission plans, and paperless onboarding via its mobile app. What is the minimum SIP amount on Sanchay Karo? You can start a goal-based SIP with as low as โ‚น500 per month across Child Education, Retirement, 1 Crore, ELSS Tax Saving, and other goal plans โ€” making it accessible for every Indian household. What is a SIP and how does it work? SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals (monthly/weekly). It harnesses the power of compounding and rupee cost averaging โ€” you buy more units when prices are low and fewer when prices are high, averaging your cost over time. How do I start a SIP on Sanchay Karo? Download the Sanchay Karo app โ†’ complete eKYC (Aadhaar + PAN OTP) โ†’ take the risk profile quiz โ†’ register a one-time ENACH e-mandate โ†’ select your goal โ†’ activate SIP. The entire process takes under 5 minutes. What is a Direct vs Regular Mutual Fund plan? Regular plans pay a commission to the distributor from your expense ratio, resulting in a higher expense ratio. Direct plans have no distributor commission, giving a lower expense ratio and slightly higher returns. Note: Sanchay Karo currently deals in Regular Plans and earns trailing commission, which is fully disclosed at the time of investment. Is Sanchay Karo safe for investing my money? Yes. Sanchay Karo is an AMFI Registered Mutual Fund Distributor (ARN-301757) and routes every transaction through the NSE MF integrated platform โ€” the same infrastructure used by India's top AMCs and distributors. All activity is SEBI regulated and fully traceable. Where is my money actually held? Your money is never held by Sanchay Karo. Your investment goes directly from your bank account to the AMC (Asset Management Company). Units are allotted in YOUR name in your own folio with the respective AMC and visible in your CAS statement from CAMS/KFintech. What if Sanchay Karo shuts down? Your mutual fund holdings remain completely unaffected. They sit in your own folio with the AMC and CAMS/KFintech registrar โ€” fully independent of the distributor platform. You can access, manage, or redeem your investments directly with the AMC even if the platform ceases to operate. Is my personal data and KYC information secure? Absolutely. eKYC is done via Aadhaar + PAN OTP verification through a regulated KRA (KYC Registration Agency). All mandates use secure ENACH rails approved by NPCI. Your data is encrypted with bank-grade AES-256 encryption standards. Is Sanchay Karo regulated by SEBI? Sanchay Karo operates as an AMFI Registered Mutual Fund Distributor, which is a SEBI-mandated category. All mutual funds available on the platform are SEBI-regulated schemes managed by SEBI-registered AMCs. The platform is NSE MF integrated for additional regulatory oversight. Can I withdraw my SIP investment anytime? Yes. Most open-ended mutual funds allow full or partial redemption anytime with no penalty. The redemption amount is credited to your registered bank account within 1โ€“3 working days depending on the fund type. ELSS funds have a mandatory 3-year lock-in period. Can I pause, modify, or stop my SIP? Yes. You can pause, cancel, modify the SIP amount, or switch between goals/schemes anytime directly from the Sanchay Karo app โ€” without any penalty. Your invested corpus remains untouched even when the SIP is paused. What is SWP and how does it work on Sanchay Karo? SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund corpus at regular intervals โ€” monthly, quarterly, etc. It is ideal for generating a steady income post-retirement. Sanchay Karo's app supports SWP setup directly for eligible funds. Can I switch from one mutual fund to another on the app? Yes. You can switch between mutual fund schemes within the same AMC, or change your goal portfolio anytime from the app. Switching is treated as a redemption + fresh investment for tax purposes, so check LTCG/STCG implications before switching. Can I track all SIPs, SWPs, and transactions in one place? Yes. The Sanchay Karo app dashboard shows live NAV, total units, gains/losses, XIRR, and complete transaction history for every SIP, SWP, and redemption โ€” all in one unified portfolio view. What tax benefits do I get on mutual fund SIP? ELSS (Equity Linked Savings Scheme) SIPs qualify for a deduction of up to โ‚น1.5 Lakh under Section 80C of the Income Tax Act (Old Tax Regime), saving up to โ‚น46,800 in taxes per year for those in the 30% tax bracket. What is LTCG and STCG tax on mutual funds? Long-Term Capital Gains (LTCG) tax applies to equity mutual fund gains above โ‚น1.25 Lakh per year when held for more than 1 year โ€” taxed at 12.5% without indexation benefit. Short-Term Capital Gains (STCG), for holdings under 1 year, are taxed at 20%. Is NPS available on Sanchay Karo for additional tax benefits? Yes. Sanchay Karo offers NPS (National Pension System) account opening. Contributions to NPS (Tier I) qualify for an additional deduction of up to โ‚น50,000 under Section 80CCD(1B) โ€” over and above the โ‚น1.5 Lakh 80C limit โ€” offering substantial tax savings. Are debt fund gains taxed differently from equity fund gains? Yes. From FY 2023-24 onwards, gains from debt mutual funds (regardless of holding period) are taxed as per your income tax slab rate โ€” there is no indexation benefit or flat LTCG rate. Equity funds held for over 1 year benefit from the 12.5% LTCG rate above โ‚น1.25 Lakh. Should I choose Old or New Tax Regime for SIP tax benefits? ELSS Section 80C deductions and NPS 80CCD(1B) benefits are available only under the Old Tax Regime. The New Tax Regime offers lower slab rates but does not allow most deductions. Which regime is better depends on your total income, deductions, and investments. Please consult a registered tax advisor for personal guidance. Ready to Grow Your Wealth? ๐Ÿ‡ฎ๐Ÿ‡ณ ----------------------------- Join 1 Lakh+ investors using Sanchay Karo. Start SIP from โ‚น500. AMFI Registered. Zero Commission. [ Download App ](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757) [ Customer Login ](https://dashboard-sanchaykaro.rabbitinvest.com/)**Regulatory Disclosure:** Sanchay Karo | Registered Name: Mr. Pallab Routh | AMFI Registered Mutual Fund Distributor | ARNโ€“301757 | EUIN: E572917 | Date of Registration: 22-07-2024 | Current Validity: 15-07-2027 | UDYAM-WB-12-0123391 | NSE MF Integrated. Mutual Funds are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. Returns are not guaranteed. This is not investment advice. Check Exit Loads & TER before investing. We deal in Regular Plans and earn trailing commission โ€” disclosed at every investment. Tax benefits applicable under the Old Tax Regime only. Consult a SEBI Registered Investment Advisor for personalised advice. [ Start SIP Free ](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757)