Quick Answer
For systematic investment plans, Groww, Zerodha Coin, and Kuvera top the list in 2026 with zero-commission direct SIPs starting at Rs 100. All three offer automated mandate setup, pause/resume, and step-up SIPs.
Last updated: 2026-04-06 · 5 picks · Category: Investing
SIP apps were ranked on ease of SIP setup (25%), automation features like step-up and pause (20%), portfolio tracking and XIRR reporting (20%), scheme universe coverage (15%), fee transparency (10%), and customer support (10%).
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First-time SIP investors and students starting small
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Zerodha users consolidating SIPs with stock investments
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Goal-based investors and joint household planning
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Dip-buyers and tax-saving SIP planners
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Paytm users who want a simple monthly SIP
Most mutual fund houses and apps allow SIPs starting at Rs 100 per month. A few schemes still have a Rs 500 minimum. For meaningful wealth building, most planners suggest starting with at least 10-15% of monthly income.
Yes, apps like Groww, Zerodha Coin, and Kuvera allow you to pause a SIP for 1-6 months without cancelling. The mandate remains active and resumes automatically after the pause period ends.
A step-up SIP automatically increases your monthly contribution by a fixed percentage or amount each year (commonly 10% annually). This matches rising salaries and can significantly boost final corpus without requiring manual updates.
SIP units follow FIFO. Equity fund units held over 1 year qualify for long-term capital gains at 10% above Rs 1 lakh annual exemption. Debt fund gains are taxed at slab rate from AY 2024-25 onward.
Disclosure: Rankings based on publicly available data as of April 2026. Rates and terms change; verify with the provider. CalcHub may earn a commission from some links at no cost to you.