How to set up a flexible SIP (variable-amount SIP)

Tue, 19 May 2026 00:00:00 +0000

Flexible SIP (also called Flex SIP or Variable SIP) lets you vary the monthly installment within a pre-registered range. Useful for investors with variable income (freelancers, business owners) who want to commit a base amount but contribute more in good months. Not all AMCs offer this product; check before assuming availability.

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Flex SIP and Smart SIP

Tue, 12 May 2026 00:00:00 +0000

A flex SIP (also called a smart SIP or value-based SIP) is a variant of the Systematic Investment Plan (SIP) in which the instalment amount is not fixed but varies based on a predefined valuation signal, such as the price-to-earnings (P/E) ratio or price-to-book (P/B) ratio of the benchmark index, so that more is invested when the market is considered undervalued and less when the market is considered overvalued.

The concept is an attempt to systematise a form of tactical market timing within an automated investment framework, while retaining the discipline and regularity of a standard SIP.

Variable SIP on WebNotes

How to set up a flexible SIP (variable-amount SIP)

Flex SIP and Smart SIP