Systematic Investment Plans (SIPs) have become one of the most preferred ways to invest in mutual funds. They offer a structured and stress-free approach to building wealth gradually. But did you know you can invest directly with the fund house through an AMC SIP — without needing a broker or intermediary?
By choosing to invest directly with AMCs, you eliminate unnecessary layers, streamline your investment experience, and potentially reduce costs—giving you more ownership over your financial journey.
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This article explores the concept of AMC SIPs — what they are, how they work, their features, benefits, and how they differ from regular SIPs. Whether you’re a first-time investor or looking to switch to a more direct approach, understanding AMC SIPs can help you take more control over your mutual fund journey.
What is the meaning of an AMC SIP?
An AMC SIP, or a Systematic Investment Plan directly with an Asset Management Company, lets you invest in mutual funds without going through a third-party platform. In simple terms, it’s like going straight to the source — the fund house — to start your investments.
Here’s a breakdown to make it clearer:
- Asset Management Company (AMC): This is the organisation (also known as a fund house) that creates and manages mutual fund schemes. It pools money from various investors and invests across asset classes like equity, debt, and hybrid instruments.
- Systematic Investment Plan (SIP): SIP allows you to invest a fixed amount at regular intervals — say monthly or quarterly — in a mutual fund. This habit of consistent investing can lead to long-term wealth creation.
- AMC SIP = Direct + Systematic: When you combine both, you get the dual benefit of investing directly with the AMC and doing so systematically. That means you avoid intermediaries, retain better control over your investments, and benefit from professional fund management.
If you're confident making your own investment choices and value transparency, an AMC SIP can provide a more direct, cost-efficient, and disciplined path to wealth creation. Start Investing or SIP with Just Rs. 100!
What are the features of AMC SIPs?
If you’re considering starting an AMC SIP, it helps to know what makes it different — and sometimes better — than other mutual fund investment options. Here are some of the key features:
- Direct access to NAV:
When you invest through an AMC SIP, you're going straight to the fund house. This gives you direct access to the Net Asset Value (NAV) of the scheme without any markup or intermediary involvement. You know exactly how your money is performing in real time — no middleman, no delays. - Rupee-cost averaging:
With AMC SIPs, you invest a fixed amount regularly. This means you buy more units when the market dips and fewer when it rises. Over time, this evens out the cost of your investments, reducing the impact of short-term market volatility — a strategy known as rupee-cost averaging. - Flexibility:
You can customise your AMC SIP to fit your schedule and financial comfort. Monthly, quarterly, or even customised intervals — the choice is yours. You can also increase or decrease the SIP amount depending on your goals and income levels. - Investment discipline:
Because SIPs are recurring in nature, they help you stay committed to investing regularly. It turns wealth-building into a habit — like an automated saving plan that quietly grows your money in the background. - Tax benefits:
Certain AMC SIPs, particularly those in Equity Linked Savings Schemes (ELSS), offer tax deductions under Section 80C of the Income Tax Act. This means you can save taxes while working toward your long-term goals. - Professional fund management:
You don’t need to be a stock market expert. AMC SIPs are managed by experienced fund managers who research, analyse, and take investment decisions on your behalf. So, your money is in professional hands.
By combining automation, flexibility, and expert fund management, AMC SIPs create a seamless investment experience that aligns with your financial goals and tax planning needs. Save Taxes with ELSS Mutual Funds!
What are the benefits of AMC SIPs?
Now that we’ve covered the features, let’s look at what makes AMC SIPs a practical and smart option for investors:
- Accessibility for all:
Whether you're a student, salaried employee, or a retired professional, AMC SIPs are open to everyone. The minimum investment amount is often quite low — sometimes as low as Rs. 100 — making it easy to start. - Long-term wealth creation:
SIPs help you harness the power of compounding. Small, consistent investments over time can grow into a significant corpus, especially if you stay invested long term. AMC SIPs help you turn your short-term savings into long-term wealth. - Portfolio diversification:
By choosing different mutual fund categories — equity, debt, hybrid — you can spread your risk. AMC SIPs offer a wide selection, so your portfolio isn’t tied to the performance of one asset class. - Easy setup and management:
Starting an AMC SIP is quick and can be done online in just a few steps. Once it's set up, the instalments get debited automatically, making investing hassle-free. - Goal-based investing:
You can assign each SIP to a specific financial goal like your child’s education, a home down payment, or retirement. This keeps you motivated and focused, and ensures you’re working toward a tangible outcome.
With low barriers to entry, long-term wealth-building potential, and clear goal tracking, AMC SIPs empower every investor—from novice to seasoned—to take confident steps toward financial freedom. Explore Top-Performing Mutual Funds!
Examples of AMCs in India
If you're planning to begin your SIP journey, it's helpful to know about some of the top Asset Management Companies (AMCs) in India. These fund houses manage thousands of crores across different types of mutual funds — equity, debt, hybrid, and more.
- SBI Mutual Fund:
SBI Mutual Fund is currently the largest AMC in India, managing over Rs. 7 lakh crore in assets. It's a joint venture between the State Bank of India and AMUNDI, a leading global asset manager. Their wide fund range, strong brand trust, and consistent performance make them a popular choice among investors. - ICICI Prudential Mutual Fund:
Ranking second in terms of AUM, ICICI Prudential Mutual Fund manages more than Rs. 5 lakh crore. It’s a collaboration between ICICI Bank and Prudential plc. They’re known for their innovation, including hybrid and asset allocation funds tailored to different investor risk profiles. - HDFC Mutual Fund:
With an AUM of over Rs. 4 lakh crore, HDFC Mutual Fund ranks third in the Indian mutual fund space. Backed by HDFC Bank, they offer strong equity and balanced funds, and are known for their steady fund management track record. - Nippon India Mutual Fund:
Earlier known as Reliance Mutual Fund, Nippon India Mutual Fund ranks fourth, with assets exceeding Rs. 2.8 lakh crore. After its ownership change in 2020, it was rebranded and remains one of the top AMCs with a strong retail investor base and a wide distribution network.
These top AMCs offer a wide variety of SIP options that cater to different goals—whether you’re saving for a short-term milestone or a long-term dream. Compare Mutual Fund Options Now!
Conclusion
Choosing to invest through an AMC SIP isn’t just about discipline — it’s about empowering yourself with professional support, direct fund access, and the ability to customise your investment strategy. Whether you want to save on taxes, plan for your child’s future, or build long-term wealth, AMC SIPs can help you do it — one step at a time.
From low entry points and flexible schedules to tax benefits and expert fund management, AMC SIPs offer something for every kind of investor. The key is to stay consistent, choose the right AMC, and match your SIPs with clear financial goals. Over time, this simple and structured approach can help you grow wealth the smart way.
If you wish to kick-start your investment journey, the Bajaj Finserv Platform is the ideal destination. You can compare 1000+ mutual fund schemes from top fund houses and invest in mutual funds that align with your goals. Moreover, you can use tools such as lump sum calculators and SIP calculators to select mutual fund schemes that offer higher returns.
