A Study on Systematic Investment Plan (SIP) in Mutual Funds and Investor Awareness in India
D. Lokeshwari1*, Mrs. Naveena2
Abstract
A Systematic Investment Plan (SIP) is a method of investing in mutual funds through regular periodic contributions instead of a lump sum investment. In recent years, SIP has become increasingly popular among retail investors in India due to rising financial awareness, digital investment platforms, and the need for long-term wealth creation. SIP allows investors to participate in capital markets with small investments while reducing market timing risk. The present study focuses on understanding the concept of SIP, its advantages, and the level of investor awareness in India. The study also examines the role of SIP in encouraging disciplined savings and financial planning. The research is based on secondary data collected from financial journals, SEBI and AMFI publications, and investment reports. The findings indicate that SIP is a suitable investment option for small and medium investors; however, lack of financial literacy and fear of market risk still limit its adoption among a large section of the population.
Keywords:
Mutual Fund, SIP, Investor Awareness, Financial Planning, India
