IDBI Bank SIP Investment

The IDBI Bank SIP Plans are a Systematic Investment Plan (SIP) offered by IDBI Bank. It is a way to make disciplined and rewarding investments to help you grow your wealth steadily over time. IDBI Bank SIP Plans offer a variety of schemes to choose from, including equity, debt, and balanced funds. The bank allows you to invest a minimum SIP of Rs. 500 in the market-linked funds on a regular basis, such as monthly or quarterly.

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What are IDBI Bank SIP Plans?

IDBI Bank SIP Plans are smart and hassle-free investment options that allow you to invest small amounts regularly in a diverse range of investment fund schemes. With the potential for substantial returns, SIP Plans help you grow your wealth steadily over time.

IDBI Bank offers a variety of SIP plans tailored to suit the diverse needs of investors. Whether you are a conservative investor or seeking high returns, IDBI Bank has SIP plans to match your risk profile and financial aspirations.

Features of IDBI Bank SIP Plans:

  • You can start a SIP with a minimum amount of Rs. 500.

  • IDBI Bank offers a wide range of ULIP plans and various mutual fund scheme options.

  • You can choose from equity funds, debt funds, hybrid funds, and more based on their risk appetite and financial goals.

  • SIPs allow you to invest a fixed amount regularly, promoting discipline and long-term wealth creation.

  • With regular investments in SIP, you can benefit from rupee-cost averaging and power of compounding.

  • IDBI Bank SIPs can be used to plan for a variety of financial goals, such as retirement, marriage, buying a house or car, and higher education.

How Do IDBI Bank SIP Plans Work?

IDBI Bank SIP plans are a simple and convenient way to invest in ULIP funds. Let us understand their working from below:

  • The first step is to choose a SIP plan that you want to invest in. You can choose from a variety of plans, such as equity funds, debt funds, and balanced funds.

  • Once you have chosen a plan, you need to decide how much money you want to invest each month. You can invest any amount, starting from Rs.500.

  • You can set up a SIP with IDBI Bank through your bank account, net banking, or the IDBI Bank mobile app.

  • IDBI Bank will automatically invest the chosen amount of money in the SIP plan on a monthly basis. 

  • The fund value grows as per the market conditions. However, you can use a SIP calculator to estimate your returns before investing in an IDBI SIP Investment plan.

  • Professional managers handle the investments, so you do not need to track individual funds.

What are the Benefits of Investing in IDBI Bank SIPs? 

Some of the major benefits of investing in IDBI SIP Plans are as follows:

  1. Rupee Cost Averaging

    IDBI Bank SIPs leverage the concept of rupee cost averaging, where investors get more units when the market is down and fewer units when it is up. This averaging strategy reduces the average investment cost and helps minimize the impact of market fluctuations.

  2. Power of Compounding

    By investing regularly and staying invested for the long term, IDBI Bank SIPs harness the power of compounding. The returns generated on your investments get reinvested, leading to exponential growth over time.

  3. Diversification Benefits

    IDBI Bank offers SIP plans that invest in various asset classes, such as equity, debt, and hybrid funds. Diversification reduces the risk of investing in a single asset class and ensures a balanced portfolio.

  4. Flexibility and Convenience

    IDBI Bank SIPs provide flexibility in terms of investment amount and frequency. Investors can start with a minimum investment amount and have the option to increase or decrease their contributions as per their financial capabilities.

People Also Read: sip calculator

What are the SIP Plans Offered by IDBI Bank?

IDBI Bank offers a wide range of SIP plans across equity, debt, and balanced funds. The following are some of the most popular SIP plans offered by IDBI Bank:

List of IDBI Funds in India

Fund Name Fund Category Risk Profile
IDBI India Top 100 Equity Fund Equity Very High
IDBI Midcap Fund Equity Very High
IDBI Short Term Bond Fund Debt Low to Moderate
IDBI Equity Savings Fund Hybrid Moderately High
IDBI Ultra Short Term Fund Debt Low to Moderate
IDBI Focused 30 Equity Fund Equity Very High
IDBI Gold Fund Other High
IDBI Equity Advantage Fund Equity Very High
IDBI Small Cap Fund Equity Very High
IDBI Banking & Financial Services Fund Equity Very High
IDBI Flexi Cap Fund Equity Very High
IDBI Liquid Fund Debt Low to Moderate
IDBI Nifty 50 Index Fund Other Very High
IDBI Dynamic Bond Fund Debt Moderate
IDBI Credit Risk Fund Debt Low to Moderate

*Using a SIP Calculator will help you to estimate the interest earned and maturity returns on your IDBI investments in SIP Plans.

Tips for Successful IDBI Bank SIP Investment

Follow the tips mentioned below to get high returns from investment in IDBI Bank SIP Plans:

  1. Stay Disciplined

    Maintain consistency in SIP contributions to reap the benefits of rupee cost averaging and compounding fully.

  2. Review Periodically

    Monitor the performance of your SIP investments regularly and make adjustments if needed to stay on track with your financial goals.

  3. Stay Informed

    Stay informed about market trends and fund performance to make well-informed investment decisions.


IDBI Bank SIP Plans offer a convenient and disciplined way for investors to invest in SIP funds. Through regular contributions and diverse fund choices, investors can potentially benefit from rupee-cost averaging and long-term growth opportunities, catering to their financial objectives and risk appetite.


  • What is SIP scheme in IDBI Bank?

    A SIP scheme in IDBI Bank is a Systematic Investment Plan offered by IDBI Mutual Fund. It allows you to invest a fixed amount of money in a mutual fund scheme every month. This helps you to invest regularly and build your wealth over time.
  • Is SIP in IDBI bank is safe?

    Yes, SIP in IDBI bank is safe. IDBI Bank is a well-regulated bank and its mutual fund arm, IDBI Mutual Fund, is a SEBI-registered fund house. This means that your money is safe and that your investments are managed in a responsible manner.
  • Does SIP pay monthly?

    Yes, SIP is paid in monthly instalments. When you invest in a SIP, you invest a fixed amount of money every month. This amount is then invested in a ULIP fund or mutual fund scheme of your choice. The fund then invests your money in a variety of securities, such as stocks, bonds, and money market instruments.

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