Introducing the revolutionary SIP TOP UP – Online (Invest using PAN)

The SIP Top Up facility gives you the power to begin a SIP in any of our schemes and increase the instalment amount at a half yearly or annual frequency. You can invest online instantly using your PAN. No login and registration required. It’s completely paperless .

That’s not all, you can select the top up amount and frequency at the beginning itself. Simple isn’t it?

So you no longer have to worry whether your SIP instalments are growing in tandem with your income.

Think of it as a SIP Booster.

To better understand how the process works in SIP TOP UP feature, let’s look at the below illustration:

Details of SIP registered Top Up Details
•  SIP Date : 1st of month •  Top up amount : Rs 1,000/-
•  SIP Period : 01 April 2018 till 31st March 2021 (3 years) •  Top up frequency: Half yearly
•  SIP Instalment amount: Rs.5,000/-
•  No of Instalments: 36
No of Instalments
SIP Instalment Amount
(in Rs) (A)
Top Up amount
(in Rs) (B)
Monthly SIP Instalment
after Top Up (in Rs) (A + B)
1 to 6 5,000 NA 5,000
7 to 12 5,000 1,000 6,000
13 to 18 6,000 1,000 7,000
19 to 24 7,000 1,000 8,000
25 to 30 8,000 1,000 9,000
31 to 36 9,000 1,000 10,000

Important Notes for Online Transaction:
1. Only Half Yearly and Yearly options available
2. This facility is available only for Resident and Non Resident individuals
3. The KYC compliant of Guardian PAN will be considered in case of Minor Investors
4. The increase in SIP Instalment amount shall continue either till Top Up maximum amount is attained or till SIP end date provided whichever is earlier
5. This facility shall be available for new and existing SIP registrations both.
6. Click here to check the updated list of banks registered for online payment through Internet Banking. In case you don’t have account with these banks or don’t have internet banking access, please click here to download the offline SIP Top Application form. Click here.