DHFL SIP Investment

DHFL SIP Plans, offered by Dewan Housing Finance Corporation Limited (DHFL), are a smart and convenient way to invest in SIP funds. Systematic Investment Plans (SIPs) allow investors to contribute a fixed amount regularly at predetermined intervals, such as monthly or quarterly, into selected fund plans. These plans provide flexibility, ease of investment, and potential for long-term wealth creation.

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What are DHFL SIP Plans?

DHFL, or Dewan Housing Finance Corporation Limited, offers SIP investment options to cater to the diverse needs of investors. As a reputed name in the financial market, DHFL provides various SIP plans with different risk profiles, allowing investors to choose according to their risk appetite and financial goals. 

With a SIP, you can invest a fixed amount of money each month, regardless of the market conditions. This can help you to average down your cost of investment and reduce the risk of investing a lump sum at the wrong time.

Whether you are a seasoned investor or a first-timer, DHFL SIP Plans offer an accessible and systematic approach to achieving your financial goals.

What are the SIP Plans Offered by DHFL?

DHFL offers a wide range of SIP plans, so you can choose the one that best suits your investment goals and risk appetite. Some of the SIP plans offered by DHFL are as follows:

Fund Name

Fund Category

Risk Profile

PGIM India Ultra Short Duration Fund


Low to Moderate

PGIM India Short Duration Fund


Low to Moderate

PGIM India Dynamic Bond Fund



PGIM India Global Equity Opportunities Fund


Very High

PGIM India Liquid Fund


Low to Moderate

PGIM India Emerging Markets Equity Fund


Very High

PGIM India Banking & PSU Debt Fund


Low to Moderate

PGIM India Low Duration Fund


Low to Moderate

PGIM India Equity Savings Fund


Low to Moderate

PGIM India Large Cap Fund


Very High

How Do DHFL SIP Plans Work?

Systematic Investment Plans (SIPs) offered by financial institutions like DHFL enable investors to invest in mutual funds in a disciplined and systematic manner. Here's how they work:

  • Regular Investments: With SIPs, you can commit to investing a fixed amount at regular intervals, typically monthly or quarterly. This fixed amount is deducted automatically from your bank account on the chosen date and invested in the selected fund plan.

  • Flexibility: SIPs offer flexibility in terms of investment amount. You can choose the amount you wish to invest each month, provided it meets the minimum investment requirements of the chosen fund.

  • Unit Allocation: The invested amount in SIPs is used to purchase units of the fund at the prevailing Net Asset Value (NAV) on the investment date. The NAV represents the fund's per-unit value based on the total value of its assets.

  • Advantages of Rupee Cost Averaging: One of the significant benefits of SIPs is rupee cost averaging. When the markets are low, the fixed investment amount buys more units, and when the markets are high, it buys fewer units. Over time, this helps in reducing the overall average cost per unit.

  • Potential for Compounding: As you continue to invest regularly, the accumulated investment generates returns. These returns, when reinvested, have the potential to compound and accelerate wealth creation over the long term.

  • SIP Calculator: Use an online SIP Calculator to estimate your interest earned and total returns.

  • Automatic Reinvestment: In the case of dividend reinvestment mutual funds, any dividends earned on the invested units are automatically reinvested, further enhancing the compounding effect.

  • Easy Exit: You can easily exit or redeem your SIP fund units, partially or completely, at any time, based on your financial needs and goals.

What are the Benefits of DHFL SIP Investment? 

The key benefits of DHFL SIP plans are as follows:

  1. Flexibility and Convenience

    DHFL SIPs provide the flexibility to choose the investment amount and the frequency of investment. Investors can start with a modest sum and increase their investments gradually as their income grows.

  2. Rupee Cost Averaging

    With DHFL SIP, investors get more units when the market is down and fewer units when the market is up. This concept of rupee cost averaging helps in reducing the overall cost of investment and mitigating the impact of market fluctuations.

  3. Power of Compounding

    DHFL SIP allows investors to benefit from the power of compounding, where the returns generated on investments are reinvested, leading to exponential growth over time.

  4. Diversification Benefits

    DHFL offers a range of SIP plans invested in various asset classes, allowing investors to diversify their portfolios and reduce the risk associated with market fluctuations.

Tips for Successful DHFL SIP Investment

  1. Stick to a Disciplined Approach

    Consistency is essential in SIP investments. Regularly contributing the predetermined amount ensures the benefits of rupee cost averaging and compounding.

  2. Review and Rebalance Periodically

    Review the performance of your SIP investments periodically and rebalance the portfolio if needed to align with your financial goals.

  3. Stay Informed about Market Trends

    Keeping track of market trends and staying informed about the performance of your SIP funds can help make informed investment decisions.


DHFL SIP Plans (Systematic Investment Plans) offer you a disciplined and convenient route to invest in SIP fund plans. By contributing fixed amounts at regular intervals, you could benefit from rupee cost averaging and the potential for long-term wealth creation.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^10(10D) Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.

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