"Good things come in small packages." And in the world of investing, it is these small steps that can lead to big rewards. SIPs (Systematic Investment Plans) and mutual funds are taking the financial world by storm. Did you know that SIP inflows have been rising year after year? In fact, investors are increasingly realizing that SIPs are one of the best ways to harness the power of compounding and wealth creation, even with minimal amounts.

If you think your savings are too tiny to matter, think again. Your 'Choti SIP' could be the first step towards financial freedom!

Let us dive into why starting your first Choti SIP could be the game-changer you have been waiting for.

SIP: Revolutionise your ‘Gullak’ of small savings

You might be thinking, “My savings are too small to invest” or “I’m not sure how to get started—getting a PAN, opening a demat account, and handling the paperwork seems like a hassle!” Well, worry no more, because with the Choti SIP, investing in mutual funds just became easier, even if you have got a "gullak" (piggy bank) full of change.

Thanks to SEBI's new initiatives, starting an SIP with as little as ₹250 is now possible!

Based on this, we bring to you the ‘Aditya Birla Sun Life Choti SIP’ (‘Choti SIP’)- An SIP designed for everyone. Whether it is your pocket money, stipend savings, or your monthly budget savings as a homemaker. It is the perfect way to invest those small savings with big potential.

Why opt for Choti SIP?

Let us break down the key features of Choti SIP that translate into benefits for you:

1. No need for a PAN card (under Rs.50,000 investment) – logistical ease

   Opening a demat account or dealing with PAN card requirements has been a roadblock for many. But with Choti SIP, you do not need to worry about these hurdles.
   With a yearly investment of under Rs.50,000, you do not even need a PAN card. Instead, a simple non-PAN KYC (Know Your Customer) is enough to get you started.

2. Minimum instalments criteria – financial discipline to maximise benefits

   Choti SIP mandates a minimum commitment of 60 instalments, promoting financial discipline by encouraging regular, consistent investments. This keeps you on track and ensures steady growth in your investments

3. Freedom to withdraw – no liquidity hassle

   While there is a minimum of 60 instalments, the Choti SIP offers you the freedom to withdraw your money anytime you need it. This makes sure that your savings are still liquid and accessible whenever life calls for it.

4. Growth option only - wealth creation through consistency

   The Choti SIP focuses on wealth creation, as it is available only under the growth option of mutual funds. This ensures your investments are growing over time, allowing compounding to work its magic.

5. Flexibility to increase your investment

   As your financial situation improves, you can always increase your SIP amount. Once you've built the habit of saving, adding more to your SIP can help grow your investments in line with your increased capacity.

Note – Choti SIP facility is only available for those investors who do not have any active SIPs or any existing mutual fund investment

From just Rs.250 to Wealth – The big impact of starting small!

Let us do the math. Say you start today with a monthly SIP of Rs.250 and step up this contribution by just 20% each year. Do you know you could have saved more than Rs.11lacs in 20 years! (average return of 12%). That is a solid return on such a small investment! Imagine if you increase your SIP more as you start making more money? The possibilities are endless!

How to start your Choti SIP with Aditya Birla Sun Life

Ready to start? Follow these easy steps to start your investing journey with just a few clicks!

1. Choose a mutual fund/s that matches your goals

   You can select a fund or funds whose strategy aligns with your financial goals. You can invest in up to 3 different schemes availing the Choti SIP facility. Make sure to check that your choice of mutual funds is available under the Choti SIP scheme (debt, sectoral/thematic and small/midcap equity schemes are ineligible).

2. Visit the ABSL Portal

   Simply go to the Aditya Birla Sun Life AMC Limited website or Click here. Select your desired funds and opt for SIP mode of investing.

3. Set up an autopay

   Once all required details are entered you must set up an autopay for payment of SIPs towards the fund. Only payments via NACH or UPI autopay are accepted.

Why wait for tomorrow when you can start today. Building wealth starts with a single step. With Choti SIP, it is not about how much you begin with—it is about taking that first step and staying disciplined.

Small savings, consistent investments, big results!

SIP does not assure a profit or guarantee protection against loss in a declining market. The illustration mentioned above is not based on any judgements of the future return of the debt and equity markets / sectors or of any individual security and should not be construed as promise on minimum returns and / or safeguard of capital.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.