Starting a SIP in 2025 is easier than ever. With apps like Groww and Kuvera, you can begin investing from just ₹100–₹500 per month, set up UPI AutoPay, and track your goals in one place. Here’s a step-by-step playbook for Indian investors.
India Snapshot
- Minimum SIP Amount: ₹100–₹500 depending on fund.
- Payment Options: UPI AutoPay, NetBanking, NACH mandate.
- GST: No GST on SIP investments (applies only to fund expense ratio).
- Platforms: Groww (simple UI, stocks + MFs), Kuvera (goal-based planning + tax tools).
- SEBI Registration: Both apps route via BSE/NSE MF platform.
Start SIPs in 2025 with India’s top apps:
Begin on Groww
Start with Kuvera
Why Start SIP in 2025?
- Inflation is rising; SIPs help build long-term wealth.
- Easy entry: start with ₹500 per month.
- Benefit of rupee-cost averaging (buy more units when market dips).
- Power of compounding = huge corpus over 10–15 years.
How to Start SIP with Groww (Step-by-Step)
- Download Groww App (iOS/Android).
- Complete KYC (Aadhaar, PAN, selfie).
- Search for Mutual Fund (use ratings/returns filters).
- Set SIP Amount & Date (e.g., ₹2,000 on 5th every month).
- Choose Payment Mode → UPI AutoPay/NetBanking.
- Confirm & Start → track progress in dashboard.
How to Start SIP with Kuvera (Step-by-Step)
- Download Kuvera App or use website.
- Complete KYC (Aadhaar, PAN, bank linking).
- Set Financial Goals (education, retirement, house).
- App Recommends Funds based on goals.
- Start SIP with ₹500 or more.
- Enable AutoPay via UPI/NACH for hassle-free investing.
Groww vs Kuvera – SIP Features
| Feature | Groww | Kuvera |
|---|---|---|
| Ease of Use | Beginner-friendly | Advanced, goal-based |
| SIP Start | From ₹100 | From ₹500 |
| Tax Tools | Basic | Tax harvesting |
| Extra Features | Stocks, US Stocks | Family accounts, goal plans |
Pros and Cons
Groww
Clean, simple, great for first-time SIP investors.
Supports stocks + MFs in one app.
Limited tax planning tools.
Kuvera
Goal-based investing + tax harvesting.
Family account feature.
Slightly complex for beginners.
SIP Calculator Example (₹5,000/month for 15 years @12% return)
- Total Invested = ₹9 lakh
- Expected Value = ~₹18 lakh+
Use SIP calculators on Groww/Kuvera before starting.
Start your SIP today with trusted apps:
Groww App
Kuvera App
In 2025, SIPs remain the smartest way for Indian investors to create wealth. Groww is best for beginners, while Kuvera works well for goal planners and tax-savvy users. Start small, stay consistent, and let compounding do the work.
