AMC SIP
AMC SIP stands for Asset Management Company Systematic Investment
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SIP Plan Benefits
Start SIP with as low as ₹1000
No hidden charges
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax¶
Disciplined & worry-free investing
What is the Meaning of AMC SIP?
An AMC SIP refers to starting your SIP investment directly through the official website or app of the Asset Management Company that manages the mutual fund scheme. There’s no middleman or broker involved in this case. An AMC invests the funds, which are pooled from individual investors, with the aim of maximizing returns after accounting for maintenance charges.
With AMC SIPs, investors contribute fixed amounts at regular intervals, allowing for gradual wealth accumulation. When investing through SIPs, AMCs ensure a diverse portfolio and invest in both high-risk and low-risk securities such as stocks, bonds, etc. This can be a good option for investors who want more control over their investments and are comfortable managing their own accounts.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
22.19% |
|
| Tata AIA |
30.96% |
22.84% |
|
| Bajaj Allianz |
23.63% |
13.87% |
|
| HDFC Standard |
25.19% |
15.94% |
|
| Canara HSBC Oriental Bank |
19.43% |
11.22% |
|
| Bharti AXA |
23.07% |
15.89% |
|
| Birla Sun Life |
26.07% |
15.44% |
|
| ICICI Prudential |
23.04% |
14.48% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24.23% |
17.63% |
|
Fund rating powered by
Last updated: Jun 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
How Do AMCs Invest in SIPs?
AMCs maintain your portfolio with the objective of generating the highest returns for investors. They typically follow these steps:Â
Step 1: Conduct market research to understand how each class of assets will perform.
Step 2: Allocate funds to different classes of assets based on the investor's financial goals.Â
Step 3: Fund managers create a portfolio, including making decisions on buying or selling securities.
Step 4: Review the performance of the portfolio and make necessary changes to attain the investment goals.
AMC SIPs Example
Here are some examples of AMCs in India:
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SBI Mutual Fund: SBI Mutual Fund is the largest AMC in India by AUM (Assets Under Management), with over Rs 7 lakh crore in assets. It is a joint venture between the State Bank of India (SBI) and AMUNDI, one of the world's leading asset managers.
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ICICI Prudential Mutual Fund: ICICI Prudential Mutual Fund is an AMC in India with AUM of over Rs 5 lakh crore in assets. It is a joint venture between ICICI Bank, India's second-largest private sector bank, and Prudential plc, a leading global financial services company.
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HDFC Mutual Fund: HDFC Mutual Fund is one of the largest AMCs in India with AUM of over Rs 4 lakh crore in assets. It is a subsidiary of HDFC Bank, India's largest private sector bank.
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Nippon India Mutual Fund: Nippon India Mutual Fund is also an AMC in India with AUM of over Rs 2.8 lakh crore in assets. It was formerly known as Reliance Mutual Fund, but was renamed in 2020 following a change in ownership.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.76%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.39%
Equity II Fund
13.52%
Accelerator Fund
14.6%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.66%
Equity Top 250 Fund
13.49%
Future Apex Fund
12.61%
Pension Opportunities Fund
14.22%
Frontline Equity Fund
15.14%
Virtue II
11.01%
Pension Dynamic Equity Fund
11.94%
Equity Fund
10.29%
Blue-Chip Equity Fund
What are the Features of AMC SIP?
Best SIP Plans for 5 years investment help investors build disciplined habits and achieve mid-term financial goals through consistent contributions. AMC SIPs of a mutual fund, offer several distinct features that make them an attractive option for investors:
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Direct access to NAV: AMC SIPs provide investors with direct access to the net NAV of their investments. This real-time visibility allows investors to track the performance of their investments daily and make informed decisions.
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Rupee Cost Averaging: With AMC SIPs, you buy more units when prices are low and less when they're high, a strategy called rupee cost averaging. This helps reduce the impact of market ups and downs, possibly boosting your overall returns.
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Flexibility: AMC SIPs offer flexibility in investment amounts and frequencies, allowing investors to adjust their investments based on their financial situation. They can choose to invest monthly, quarterly, or semi-annually, and they can modify their investment amounts as their income or expenses change.
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Long-term investment discipline: AMC SIPs encourage long-term investment discipline by creating a habit of regular savings. With time, these small contributions accumulate and grow, leading to significant wealth creation.
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Tax benefits: Investments in equity and balanced mutual funds and other schemes through SIPs qualify for tax benefits under Section 80C of the Income Tax Act.
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Professional fund management: AMC SIPs provide investors with professional fund managers who actively manage the investments and make informed decisions based on market conditions and economic trends.
Difference Between AMC SIPs and Regular SIPs
Let us understand the difference by example.
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AMC SIP: Imagine Priya wants to invest in a specific mutual fund from an Asset Management Company. She visits the website, completes the paperwork directly with them, and sets up her monthly investment of â‚ą5,000. She manages this SIP directly from the AMC.Â
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Regular SIP: Now consider Siddharth. He wants to invest ₹5,000 monthly but isn't sure which fund to choose. He uses an online investment platform that allows him to compare funds from various companies. He sets up his SIP through this platform, which then routes his investment to the chosen fund, giving him a single dashboard for all his holdings.
The main difference is how you invest.
AMC SIPs are set up directly with a specific Asset Management Company, often providing access to direct plan options. Whereas, regular SIPs are facilitated through a third-party intermediary like a bank, broker, or online platform, offering convenience for managing diverse investments from one place. You can calculate your SIP returns through the SIP Calculator.Â
What are the Benefits of AMC SIP?
The benefits of AMC SIPs are:
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Wealth Creation: Through regular investments, AMC SIPs enable individuals to create wealth systematically. The power of compounding, combined with a consistent investment approach over the long term, can result in significant wealth accumulation.Â
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Diversification: Asset Management Companies offer a variety of mutual fund schemes catering to different investment objectives and risk profiles. This allows investors to diversify their money across various asset classes, such as equity, debt, or hybrid funds. Diversification helps reduce the impact of market volatility on their investments.
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Convenience and hassle-free setup: Setting up an AMC SIP is a straightforward and easy process. Investors can complete the process online or through the AMC's mobile app, and the AMC handles the automatic deduction of investment amounts from their bank accounts at regular intervals.Â
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Goal-oriented Investing: AMC SIPs allow investors to select the best SIP Plans and align their investments with specific financial goals, such as retirement planning, education expenses, or buying a house. By investing regularly and staying committed to their SIP, individuals can work towards achieving their financial objectives in a disciplined manner.
Conclusion
AMC SIPs emerge as a powerful and accessible tool for investors seeking to achieve their long-term financial goals. In essence, AMC SIPs offer a direct and transparent pathway for investors to build wealth systematically through mutual funds. By investing directly with Asset Management Companies, you gain greater control and benefit from professionally managed, diversified portfolios, ultimately leading to attaining your long-term financial goals.
FAQs
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What is an AMC SIP?
An AMC SIP is a Systematic Investment Plan set up directly with the Asset Management Company (AMC) that manages the mutual fund, without any middleman.
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Why choose an AMC SIP?
Choosing an AMC SIP offers more control, transparency, and the potential for higher returns due to direct investment.
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How do AMCs invest in AMC SIP?
AMCs invest pooled funds from AMC SIPs by conducting market research, allocating funds across various assets, and actively managing the portfolio to achieve investment goals.
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How is an AMC SIP different from a Regular SIP?
An AMC SIP is directly with the fund house, while a Regular SIP involves a third-party intermediary, offering a consolidated view of diverse investments.
