What even is an SIP, and why won't your friends stop talking about it
Seven interactive steps. Tap your way from confused to actually getting it, using Naina's first ₹2,000 and possibly your own.
Everything glowing red is tappable. Start with the chat.
step 01 · the hook
9:41
N
Naina
online
step 02 · the guess
Before the answer, take a guess
Naina is about to invest ₹2,000 every month for 10 years. Out of whatever that pot is worth at the end, how much of it is actually her own money, not returns, not growth, just what she physically put in?
Tap your guess
👀₹2,40,000. That's ₹2,000 times 12 months times 10 years, nothing more. Step 03 builds the rest of that pot year by year.
step 03 · build the pot
Tap a year and watch her money grow
Naina puts in ₹2,000 every month at an assumed 12% yearly return. Tap a year below to see what she's put in versus what it's actually worth at that point.
She's invested
₹0
It's worth
₹0
At year 10, roughly ₹0 of that pot is growth she never had to lift a finger for.
try it · your own numbers
Prefilled with Naina's plan. Change any field to run your own SIP.
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%
You'd invest
₹0
It could be worth
₹0
step 04 · the concept
Same ₹2,40,000. One bet, or many small ones.
SIP just stands for Systematic Investment Plan, a fixed amount invested on a fixed date, automatically, every month. Tap between the two ways Naina could have put in the same total amount.
Amount₹2,40,000
When it goes inAll on day one
What that requiresGuessing today is a good day to buy
One entry price for the entire amount. Get the timing wrong and the whole pot feels it.
Amount₹2,40,000
When it goes in₹2,000 a month, for 10 years
What that requiresNothing. It just happens
A hundred and twenty different entry prices instead of one. No guessing required, the average takes care of itself.
step 05 · why it matters
The market doesn't have to cooperate for this to work
Every month, Naina's ₹2,000 buys units of her fund at that month's price, called the NAV. Tap the two months below and watch what the same ₹2,000 buys.
Units ₹2,000 buys this month200.00
Same ₹2,000, more units when it's cheap, fewer when it's expensive. She never has to decide when to buy. The standing order decides for her, every single month.
step 06 · myth and reality
Tap between what people say and what's true
An SIP is a special investment product you buy.
You need a lot of money to even start one.
An SIP guarantees a profit.
You should stop it the moment the market falls.
It's just a method, a standing instruction that buys units in a mutual fund automatically every month.
Most funds let you start with ₹500 or even less.
It only guarantees discipline. The fund can still rise or fall, this just smooths the ride.
A falling market while your SIP runs is exactly when it buys you more units for the same money.
step 07 · the answer
So, in one line, what even is an SIP?
Tap the real answer
the big lesson
An SIP isn't a product you pick. It's a habit you automate, the same amount, the same date, every month, no matter what the market is doing.
up next on i am b
Why that 0% EMI offer is never actually free
Drop 03 opens up the phone Naina bought on no cost EMI, and the fine print she never read, same tap through style.
Launch your Graphy