Stop Gambling.
Start SIP for
Real Wealth.

Break free from F&O losses. Choose goal-based SIP plans — Child Education, Retirement, 1 Crore & more. AMFI registered, NSE MF integrated. Trusted by 1 Lakh+ investors.

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1L+
Happy Investors
₹500
Min. Monthly SIP
5 Min
Quick Onboarding
AMFI
Registered ARN-301757
✨ 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

🎯 Your Dreams,
Our SIP Plans

Set your financial goal and let Sanchay Karo’s AI pick the perfect mutual fund mix for you.

🎓

Child Education SIP

Secure ₹50 Lakh+ for higher education by age 18. Start early, let compounding do the rest.

~₹3,500/month
Start Plan
🌅

Retirement Corpus SIP

Build ₹2 Crore+ for a peaceful retirement with a monthly SWP income post-retirement.

~₹5,000/month
Plan Now
💰

First ₹1 Crore SIP

Become a Crorepati in 12–15 years with disciplined monthly SIP. It’s simpler than you think.

~₹25,000/month
Start Journey
🏠

Dream Home SIP

Save for your dream home down payment. Beat inflation with equity-linked SIP returns.

~₹8,000/month
Explore
💒

Daughter’s Marriage SIP

Plan ahead for your daughter’s marriage with a dedicated, long-term SIP goal portfolio.

~₹4,000/month
Start Now
🚗

New Car / Emergency Fund

Short-term goals too! Park funds in liquid & debt mutual funds for safety + returns.

From ₹500/month
Explore

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 →
2

Complete eKYC

Aadhaar + PAN OTP verification. 100% digital.

Learn →
3

Risk Profile

AI-driven assessment to find the right SIP for you.

Take Quiz →
4

ENACH Mandate

One-time e-mandate for seamless auto-debit monthly.

Register →
5

Activate SIP 🎉

Start from ₹500/month. Watch your wealth grow!

Start Now →

See the Power of
Compounding

Adjust sliders to estimate your wealth. Start SIP from ₹500 and watch it grow.

SIP Wealth Estimator

Simple SIP
Step-Up SIP
Lumpsum + SIP

Monthly SIP Amount ₹5,000

Expected Return (% p.a.) 12%

Time Period 10 yrs


Monthly SIP Amount ₹5,000

Annual Step-Up % 10%

Expected Return (% p.a.) 12%

Time Period 10 yrs


Lumpsum Investment ₹50,000

Monthly SIP ₹5,000

Expected Return (% p.a.) 12%

Time Period 10 yrs

Estimated Maturity Corpus

₹0
*Illustrative only. Not guaranteed.

Total Invested₹0
Estimated Gains₹0
XIRR (Approx.)12%

Start This SIP Now

Invest in Top
Mutual Fund Categories

Handpicked fund types for every risk profile and financial goal.

🏙️

Large Cap Funds

Top 100 blue-chip companies. Maximum stability with steady growth over 5–10 years.

Low-Medium Risk
🌱

Small Cap Funds

Explosive growth from emerging market leaders. Best for high-risk, long-term investors.

High Risk
🐘

Mid Cap Funds

Companies between large and small cap — the sweet spot of growth and stability.

Medium-High Risk
💚

ELSS Tax Savers

Save up to ₹46,800 in taxes under Section 80C. Shortest lock-in of just 3 years.

80C Tax Benefit
📊

Index Funds

Track Nifty 50 / Sensex. Ultra-low cost, no fund manager risk. Consistent returns.

Low Cost
🛡️

Debt / Liquid Funds

Park short-term funds safely. Better than savings account returns. Withdraw anytime.

Low Risk

Is Sanchay Karo
Safe to Invest?

Built on a SEBI-regulated, NSE MF integrated backbone. Fully transparent and traceable.

🏛️

AMFI Registered

ARN-301757. Registered Mutual Fund Distributor as required by SEBI regulations.

🔗

NSE MF Integrated

All transactions processed through NSE MF — same infrastructure used by top AMCs.

📁

Your Units, Your Name

Fund units are held in YOUR folio with the AMC, never with Sanchay Karo.

🔒

Bank-Grade Security

Aadhaar OTP eKYC, ENACH e-mandate, and encrypted data storage.

Exclusive Financial
Services

Sanchay Karo is more than SIP — a complete wealth management ecosystem for every Indian.

💳

Cashback Card

Earn up to 5% cashback on every spend. Zero hidden fees.

Apply Now →


💼

Loan Against Portfolio

Instant liquidity against your mutual fund/share holdings.

Check Eligibility →


🏖️

NPS Pension Account

Secure retirement + extra ₹50K tax benefit under Section 80CCD.

Open Account →


✈️

NRI Investments

Repatriable mutual funds via NRE/NRO accounts for NRI investors.

Explore NRI Plans →


🤝

Partner & Earn

Refer investors, earn trail commission. Smart distributor panel included.

Start Earning →


📋

SWP (Withdrawal Plan)

Systematic Withdrawal Plan for regular post-retirement monthly income.

Learn More →

Trusted by
Thousands of Indians

★★★★★

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
★★★★★

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
★★★★★

Switched from F&O trading to SIP via Sanchay. Best decision ever. Already seeing steady growth without the sleepless nights!

A
Amit JoshiPune, Maharashtra
★★★★★

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
★★★★★

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
★★★★★

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

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 ₹500 per month across Child Education, Retirement, 1 Crore, ELSS Tax Saving, and other goal plans — 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 — 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 → complete eKYC (Aadhaar + PAN OTP) → take the risk profile quiz → register a one-time ENACH e-mandate → select your goal → 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 — 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 — 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 1–3 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 — 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 — 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 — 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 ₹1.5 Lakh under Section 80C of the Income Tax Act (Old Tax Regime), saving up to ₹46,800 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 ₹1.25 Lakh per year when held for more than 1 year — 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 ₹50,000 under Section 80CCD(1B) — over and above the ₹1.5 Lakh 80C limit — 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 — there is no indexation benefit or flat LTCG rate. Equity funds held for over 1 year benefit from the 12.5% LTCG rate above ₹1.25 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? 🇮🇳

Join 1 Lakh+ investors using Sanchay Karo. Start SIP from ₹500. AMFI Registered. Zero Commission.

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