Published Jun 29, 2026 4 Min Read

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Introduction

A Power SIP is a variation of a Systematic Investment Plan (SIP) that allows your investment amount to change automatically based on predefined rules. Unlike a regular SIP, where the investment amount remains fixed, a Power SIP is designed to offer greater flexibility.

  • A Power SIP is an investment feature built on an SIP, not a separate mutual fund category.
  • An SIP remains an investment method for investing regularly into a chosen mutual fund scheme.
  • Investors can choose from 4,000+ mutual fund schemes on the Bajaj Broking website across equity, debt, hybrid, ELSS and thematic categories.
  • SIP investments start from Rs. 100 per month for eligible schemes.
  • Mutual fund schemes display the SEBI-mandated riskometer, ranging from Low to Very High.
  • KYC is mandatory before investing, as required by SEBI.

Start your mutual fund investment journey on the Bajaj Broking website by completing your KYC, comparing available mutual fund schemes and investing through SIP or lumpsum.

What is Power SIP?

A Power SIP is a feature available with certain mutual fund investment platforms that allows your SIP amount to change automatically according to predefined rules. Unlike a regular SIP, which invests the same amount every instalment, a Power SIP can increase or decrease the investment amount based on the selected feature.

An SIP remains an investment method, not a mutual fund scheme. When each SIP instalment is invested, you receive mutual fund units based on the applicable Net Asset Value (NAV), which is calculated once every trading day after the market closes.

How does a Power SIP work?

A Power SIP invests in your chosen mutual fund scheme through regular SIP instalments. Unlike a regular SIP, where the investment amount stays the same, a Power SIP can automatically adjust the amount based on predefined rules selected when you start the investment. The exact adjustment mechanism depends on the investment platform offering the feature.

StepHow it works
Choose a mutual fundSelect the mutual fund scheme you want to invest in.
Register a Power SIPSet your investment amount, frequency and the predefined adjustment rules.
Automatic investmentThe SIP is processed automatically on the scheduled investment date.
Dynamic adjustmentThe investment amount increases, decreases or changes according to the selected Power SIP rules.
Unit allocationMutual fund units are allotted based on the applicable Net Asset Value (NAV) calculated after market close on the investment date.

Before choosing a Power SIP, understand how the adjustment rules work and whether they suit your financial goals and risk appetite. Like any mutual fund investment, a Power SIP does not guarantee returns, and the underlying scheme is managed by the respective Asset Management Company (AMC).

Types of Power SIP

The features available under a Power SIP depend on the mutual fund platform or investment provider. While the exact options may vary, Power SIPs generally allow your investment amount to change automatically based on predefined rules instead of remaining fixed throughout the investment period.

TypeHow it works
Step-up Power SIPYour SIP amount increases automatically by a fixed amount or percentage at regular intervals, such as every year. This helps you invest more as your income grows.
Value-based Power SIPYour SIP amount changes according to a predefined investment value or target set during registration.
Market-linked Power SIPThe SIP amount increases or decreases based on predefined market conditions or triggers specified by the investment platform.
Custom Power SIPYou can set your own investment rules, such as maximum and minimum SIP amounts or predefined increase limits, where supported by the platform.

The availability of these Power SIP options depends on the mutual fund platform and the specific mutual fund scheme. Before selecting a Power SIP, review the product terms to understand how the investment amount is adjusted and whether the feature matches your financial goals.

What are the key features of a Power SIP?

A Power SIP is designed to provide greater flexibility than a regular SIP by allowing investments to follow predefined rules instead of remaining fixed throughout the investment period.

FeatureDescription
Automated investingInvestments continue automatically once the SIP is registered.
Flexible investment amountThe SIP amount may change according to predefined conditions.
Regular investingInvestments continue at scheduled intervals.
NAV-based unit allocationUnits are allotted using the applicable NAV on the investment date.
SIP or lumpsum availabilityMost mutual fund schemes on the Bajaj Broking website support SIP or lumpsum investments.

Why do investors choose a Power SIP?

A Power SIP offers greater flexibility than a regular SIP by allowing the investment amount to change according to predefined rules. It can help you adapt your investments without manually changing your SIP every time, depending on how the feature is designed.

BenefitWhy it matters
Flexible investingYour SIP amount can change based on predefined conditions instead of remaining fixed.
Disciplined investingInvestments continue automatically at regular intervals.
ConvenienceYou do not need to manually update your SIP for every instalment.
Long-term investingRegular investments can help you stay invested over time.
Easy accessibilityOn the Bajaj Broking website, SIP investments start from Rs. 100 per month for eligible schemes.

A Power SIP does not guarantee higher returns. Like any mutual fund investment, returns depend on the performance of the underlying scheme managed by the respective Asset Management Company (AMC).

Power SIP vs Regular SIP — Key differences

Both Power SIP and Regular SIP are methods of investing in mutual funds. The key difference is whether the investment amount remains fixed or changes according to predefined conditions.

FeaturePower SIPRegular SIP
Investment amountMay change according to predefined rulesRemains fixed throughout the SIP unless modified by you
Investment frequencyRegular intervalsRegular intervals
Unit allocationBased on the applicable NAVBased on the applicable NAV
FlexibilityHigherLower
Suitable forInvestors who prefer a dynamic investment approachInvestors who prefer a fixed monthly investment

Both options invest in mutual fund schemes and allot units based on the applicable Net Asset Value (NAV). Before investing, review the SEBI-mandated riskometer, which ranges from Low to Very High, to understand the scheme's risk level.

Who should consider a Power SIP?

A Power SIP may be suitable if you want your SIP amount to adjust automatically according to predefined rules instead of investing the same amount every month.

It may suit you if you:

  • Prefer a flexible investment approach.
  • Want to continue investing regularly without manually changing your SIP amount.
  • Have a long-term investment horizon.
  • Understand that mutual fund returns are market-linked and not guaranteed.
  • Are comfortable with the investment strategy offered under the Power SIP feature.

Before choosing a Power SIP, review how the adjustment feature works and ensure it matches your financial goals and risk appetite. You can compare 4,000+ mutual fund schemes on the Bajaj Broking website across equity, debt, hybrid, ELSS and thematic categories before investing.

Conclusion

A Power SIP is a flexible variation of a regular SIP that allows your investment amount to change according to predefined rules. While a regular SIP invests a fixed amount at regular intervals, a Power SIP is designed to offer greater flexibility in how your investments are made.

Before selecting a Power SIP, understand how its adjustment mechanism works and whether it suits your financial goals. On the Bajaj Broking website, you can explore 4,000+ mutual fund schemes across equity, debt, hybrid, ELSS and thematic categories. After completing your mandatory KYC, you can invest through SIP from Rs. 100 per month or choose a lumpsum investment.

Frequently asked questions

Can beginners start with a Power SIP?

Yes. Beginners can start with a Power SIP if they understand how its investment adjustment feature works and are comfortable with it. Like a regular SIP, a Power SIP invests in mutual fund schemes at regular intervals, but the investment amount may change according to predefined rules. On the Bajaj Broking website, you can choose from 4,000+ mutual fund schemes and start an SIP from Rs. 100 per month for eligible schemes after completing your mandatory KYC.


Is there a minimum investment amount required to start a Power SIP?

The minimum investment amount depends on the mutual fund scheme and the platform offering the Power SIP feature. On the Bajaj Broking website, SIP investments start from Rs. 100 per month for eligible mutual fund schemes. Before starting a Power SIP, check whether the selected scheme supports this feature and review the applicable investment conditions.


How does a Power SIP respond to market dips?

A Power SIP may respond to market dips by automatically increasing your SIP amount if the predefined investment rules are linked to market movements. The objective is to invest more when mutual fund prices are lower, which may allow you to accumulate more units at a lower Net Asset Value (NAV). However, the exact response depends on the Power SIP feature offered by the investment platform. A Power SIP does not guarantee better returns, and all mutual fund investments remain subject to market risk.


Is a Power SIP riskier than a regular SIP?

A Power SIP is not automatically riskier than a regular SIP. The investment risk depends primarily on the mutual fund scheme you choose, not on the SIP method. Whether you invest through a regular SIP or a Power SIP, your returns remain market-linked. Always check the SEBI-mandated riskometer, which ranges from Low to Very High, before investing. The Bajaj Broking website allows you to compare schemes across different risk levels.


Can I modify or stop a Power SIP after it has started?

In most cases, you can modify or stop a Power SIP, subject to the terms of the mutual fund platform and the applicable scheme rules. You may be able to change the SIP amount, investment frequency or discontinue future instalments. Check the specific terms applicable to your Power SIP before making any changes.


Is Power SIP available for all mutual fund schemes?

No. Power SIP is not available for every mutual fund scheme. Its availability depends on the investment platform and whether the particular mutual fund scheme supports the feature. Before starting a Power SIP, verify that the selected scheme offers this facility. On the Bajaj Broking website, you can compare 4,000+ mutual fund schemes across equity, debt, hybrid, ELSS and thematic categories to identify suitable investment options.

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