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What is a Step-Up SIP and How Does It Work?

2 Mins 06 Jul 2026 0 COMMENT

Should your SIP increase as your income grows? In this video, we break down the concept of a Step-Up SIP and explain how a small annual increase in your SIP contribution can help align your investments with your financial goals. Watch this video to learn how the power of compounding and disciplined investing can make a difference over the long term.

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29 Jun 2026 2 Mins 181 views

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SIP vs Lumpsum: Which One Should You Choose

Confused between SIP and lumpsum investing? In this video, we compare SIP vs lumpsum investments using a simple example to explain rupee cost averaging, the impact of market volatility, and how each strategy works. Learn when a SIP may be suitable, when a lumpsum investment can be considered, and how to choose an approach based on your financial goals, investment horizon, and risk appetite.
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A Complete Guide to Different Types of Mutual Funds

Not all mutual funds are built the same. Some are designed for long-term growth, some focus on stability, while others aim to balance both. Watch  this video to learn different types of mutual funds and how investors approach these funds based on risk and investment goals.
27 Mar 2026 2 Mins 1 k views

Videos - About ICICIdirect

How to Start an SIP or Lumpsum Investment via the ICICI Direct Website

Watch this video to learn the difference between SIP and Lumpsum, when to use each mode, and how to place your order step-by-step on the ICICI Direct website
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Videos - About ICICIdirect

How to Reattempt Missed SIP on ICICI Direct?

Watch this video to learn how to easily reattempt your rejected SIP transaction on ICICI Direct with the new payment reattempt feature. Follow simple steps and get your SIP back on track.
21 Aug 2024 2 Mins 4 k views

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How to place stock SIP order on ICICI Direct App?

Watch this short video to learn how to place stock SIP order on the ICICI Direct app
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Mutual Funds ki Baat with S Naren, ED and CIO, ICICI Prudential AMC

Those who are courageous often find success, and it's important to learn from our errors. Don't pass up this unique opportunity to hear from a genuine industry leader and gain valuable insights in this video
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Mutual Funds ki Baat with Mr Swarup Mohanty, CEO, Mirae Asset Investment Managers

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Mutual Funds Investment: What Are Open Ended and Closed Ended Funds

As youngsters we always think about investing somewhere or growing our savings. The question is, “Where should we do this?” Invest in mutual funds. A mutual fund sectors size, asset class, and flexibility are generally considered when classifying it. The two types of funds are open-ended funds and close-ended funds.

Open-ended funds are available to investors continuously, whereas close-ended funds are available only for a limited amount of time. Let us understand the difference between these two, availability is the first. It is only possible to purchase close-ended funds during new fund offers or from the stock exchange after they have been listed. Open-ended funds can still be subscribed to after the nfo closes and units can be redeemed whenever they want. Close-ended funds however liquidate when they reach maturity and the money goes to the subscribers based on their holdings. Only a few open-ended funds can be converted into closed-ended funds.

The second one is a fixed corpus. Contrary to open-ended funds, closed-ended funds have a fixed corpus and a fixed term, usually around 3-5 years. Close-ended funds require you to block those funds for a while, open-ended funds however let you buy and sell whenever you want.

So, guys there are two more differences that will give you accurate information on open and close-ended funds, liquidity and listing. Liquidity for open-ended funds is provided by the fund itself while liquidity for close-ended funds is provided by the market. Conversely open-ended funds aren't listed on the stock exchange and handle all transactions themselves. Funds listed on reputable stock exchanges provide liquidity to investors.

Looking at the fourth aspect, it's the unit price. There's no limit how much you can trade on open-ended mutual funds at their current nav. NAV stands for net asset value which is just another name for unit price. Due to the fact that close-ended schemes trade on stock exchanges their prices may differ from their nav. In addition to this there are also some technical differences between these two so you have to make a wise choice when you do need to make investments and think about your future business establishment.
19 Dec 2022 2 Mins 7 k views

Videos - Mutual Fund

ELSS SIP: Best Systematic Investment Plan to Save Tax and Build Wealth

Smart financial planning is one of the basic principles for realising your dreams. For example, if you want to buy a house or luxury car, you need to plan for it early. So, you have to save and then invest the savings intelligently. Always remember that reducing tax liability is a saving too. Now, if you can save tax and create wealth simultaneously, wouldn’t it be icing on the cake it.

Systematic Investment Plan or SIPs are the simplest tool to save tax and create wealth in one go. All that you have to do, is to invest in Equity Linked Saving Schemes or ELSS, which are tax saving schemes of the mutual funds. You can invest in ELSS via SIPs. For ELSS investments using SIPs, the government allows you the deduction of up to Rs. 1.5 lakh from your taxable income. You save more than Rs 45,000 if you are in the 30% tax bracket.

You can start an ELSS SIP with the minimal amount of Rs 500. However, you can increase the amount whenever you want to. To start SIP you have to fill a form, offline or online. In the form you have to give your bank account details for auto-debit. You have the flexibility of choosing the frequency, i.e. weekly, monthly, quarterly, or yearly. And yes, SIP gives you the option of choosing a date too. ELSS SIPs not only save tax but offer you other advantages too. On an average you get returns of nearly 15% over 5 years. Almost more than double that you get on PPF, FD, or NSC investments. These returns help you create wealth.

With a lock-in period of just 3-years, it gives you more liquidity than PPF for example, where the lock-in is 15-years. Advantages don’t end here. Unlike insurance policies or PPF, there are no penalties for missing your installment. You can deposit after the due date and your SIP continues. However, if you miss three consecutive installments, then your SIP gets cancelled and you then have to fill a form again for restarting your SIP. So, you should maintain adequate bank balance on your SIP date.

Now, let us look at your precautions. Since you ELSS SIP investments go into equities, you must assess your risk appetite before investing in this instrument. Once into it, ensure adequate balance in your account on SIP date.
02 Mar 2022 2 Mins 250 views

Videos - Stocks

How to start investing in SIP

What is the best and safest way to invest in stock markets. Well, undoubtedly systematic investment plan is the best instrument. Systematic investment plan is commonly known as SIP, it gives you an opportunity to invest in shares indirectly and thus minimizing the risks of direct investment in shares. SIPs are offered by all mutual funds and once you subscribe sips, experts of mutual funds invest your money in various debt and equity instruments in a manner that with minimum possible risk you get reasonable returns on your investment. Simply put, in SIPs you gain when market zooms, but don't lose much in case of a crash.

How to subscribe SIPs?

You have the option of subscribing it yourself online or you can ask a broker to do it for you. You can even download a form fill it and then deposit it at the nearest office of your chosen mutual fund. For many mutual funds a company called CAMs handles all the paperwork, so you can even visit a CAMs office near you.

Applying SIP: Yourself vs Broker

Now, a look at the advantage of not going the broker way. If you do all the paperwork yourself and go for direct plans then you will not have to pay commission. The commission in case of brokers is small but over a long period it leads to substantial outgo from your returns.

Documents needed for SIP

You may like to know the documents needed for SIP. When you apply for an SIP, you would need copy of Aadhar card for address and id proof plus copy of PAN is mandatory. That is, you must have a pan if you want to subscribe SIP. Since amount fixed by you will be directly debited from your account so you are required to submit a check for the first instalment in case you are applying offline. This gives your bank details to the mutual fund for future auto debit facility.

Number of subscribers in SIP

How many family members can apply a single SIP you may be thinking. you can hold it solely or jointly with others. All holders are required to sign the form and submit PAN and Aadhar details. In case of minors, guardian details are required. In case you want to withdraw money then it will go to the account from which investments were being debited.

Key facts to remember

Here's something very important that you need to know while subscribing a SIP. While applying for the SIP always mention a nominee, this will ensure hassle-free withdrawal or transfer of SIP in name of nominee in case the primary holder suffers untimely death.
27 Feb 2021 2 Mins 7 k views

Videos - Mutual Fund

The Difference Between ETF and Mutual Fund Explained

Are ETFs and Mutual Funds really two different things? Let’s find out.

What are Mutual Funds?

Mutual Funds are professionally managed investment schemes wherein the fund manager pools together the money from several investors to invest in a variety of securities as per the predefined objectives. SEBI has classified mutual funds into different types, one of which is an ETF.

What are ETFs?

Exchange Traded Funds or ETFS are mutual funds that replicate a specific benchmark index. For instance, an ETF can mirror BSE Sensex 30 index. ETFs are traded on the stock exchange where you can buy and sell ETF units just like a share.

Mutual Funds vs ETFs

Mutual Funds

ETFS

Buy and sell from the fund house.

Buy and sell on stock exchanges (trade takes place between investors).

Actively managed, so higher expense ratio.

Passively managed, so lower expense ratio.

You don’t have to pay any commission or brokerage fees.

Since ETFs are traded like other securities on the exchange, investors have to pay a brokerage.

Returns are based on the performance of the portfolio, which is dependent on the decisions of the fund manager.

Returns are based on the performance of the index, which is based on the performance of the stock that make up the index.

How to buy ETFs and Mutual Funds?

Whether you decide to invest in Mutual Funds or ETFs, you will need a demat and trading account to buy and store your securities. Consider opening one with a reputed broker like ICICI Direct.
10 Nov 2020 2 Mins 12 k views

Videos - Mutual Fund

The difference between Lumpsum and SIP explained

Lumpsum Investment Systematic Investment Plan You invest a large sum in one go. You invest small amounts periodically, like every month. Ideal when prices are not volatile and are likely to steadily rise. Best in most conditions, but particularly when markets are volatile. You must time the market to get the best returns. You don’t need to time the market; just keep investing regularly. Good for seasoned investors, who have a higher risk appetite. Good for most investors, who prefer lower risk. Good for investments in liquid funds, which provide stable returns. Great for investments in equity mutual funds, where returns are volatile.

Lumpsum Investment

Systematic Investment Plan

You invest a large sum in one go.

You invest small amounts periodically, like every month.

Ideal when prices are not volatile and are likely to steadily rise.

Best in most conditions, but particularly when markets are volatile.

You must time the market to get the best returns.

You don’t need to time the market; just keep investing regularly.

Good for seasoned investors, who have a higher risk appetite.

Good for most investors, who prefer lower risk.

Good for investments in liquid funds, which provide stable returns.

Great for investments in equity mutual funds, where returns are volatile.
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