How SIPs Can Be the Cornerstone of Your Financial Planning

Meet Arjun & Komal

👨 Arjun (35), Software Engineer — ₹1.5L/month
👩 Komal (33), Teacher — ₹1L/month
👨‍👩‍👧‍👦 Kids: 2-year-old daughter & 7-year-old son
📍Location: Bengaluru

Financial Goals

Arjun and Komal have clearly defined their financial goals:

• Buying a House (Optional, Loan-Based)
• Retirement Corpus in 20 Years
• ₹1 Cr for Daughter’s Education in 15 Years
• ₹1 Cr for Son’s Education in 10 Years

Goal-by-Goal SIP Planning

Goal 1: Retirement Planning (₹9.5 Cr Needed)

Required SIP if fixed: ₹1,04,000/month
Not feasible immediately

Recommended: Step-Up SIP

• Start with ₹55,000/month
• Increase by 10% every year
• Matches income growth & easier on current budget
• Still achieves ₹9.5 Cr target in 20 years

Goal 2: Daughter’s Education (₹1 Cr in 15 Years)

Step-Up SIP: Start with ₹14,000/month in Equity Mutual Funds

Goal 3: Son’s Education (₹1 Cr in 10 Years)

Step-Up SIP: Start with ₹35,000/month in Equity Mutual Funds
(Note: Higher SIP needed due to shorter time horizon)

Goal 4: Buying a House (Optional Loan)

Loan-to-Value (LTV) Rules per RBI:

Example: For a ₹1 Cr house, minimum ₹25L down payment required, ₹75L loan.
Approx EMI: ₹1,000 per ₹1L → ₹75,000/month

Team Saan tip: Avoid over-leverage. Keep your LTV low by saving upfront.

Summary: The Power of SIPs in Action

Total SIP Outflow: ₹1,04,000/month
Wealth Creation + Goal-Based Discipline
Aligned with real income growth and life stages

Final Word from Team Saan

SIPs aren’t just investment tools — they are disciplined financial frameworks that grow with you.
Whether it’s retirement, education, or buying your dream home, goal-linked SIPs backed by annual reviews ensure you’re always on track.