{"id":97957,"date":"2026-05-26T15:15:43","date_gmt":"2026-05-26T09:45:43","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=97957"},"modified":"2026-05-26T15:15:44","modified_gmt":"2026-05-26T09:45:44","slug":"mutual-fund-sip","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/","title":{"rendered":"Mutual Fund SIP: Complete Guide to Systematic Investment Plans in India 2026"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p>A <strong>mutual fund SIP<\/strong> (Systematic Investment Plan) is the single most powerful wealth building tool available to Indian retail investors in 2026. With monthly SIP inflows hitting an all time high of Rs 32,087 crore in March 2026, total SIP AUM at Rs 15.1 lakh crore, and over 9.72 crore active SIP accounts across Mumbai, Bengaluru, Delhi NCR, Pune, Hyderabad, Chennai, Ahmedabad, Surat, Jaipur, Lucknow, Indore and Coimbatore, the SIP mechanism has structurally changed how Indians build long term wealth. This complete guide explains exactly what a mutual fund SIP is, how it works, different types of SIPs available, the mathematics of compounding, how to start your first SIP, common mistakes, and how to optimise for maximum corpus over 20+ year horizons.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Start Your First Mutual Fund SIP on Univest, Click Here<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#What_Is_a_Mutual_Fund_SIP_and_How_It_Works\" title=\"What Is a Mutual Fund SIP and How It Works\">What Is a Mutual Fund SIP and How It Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Types_of_Mutual_Fund_SIP_Available_in_2026\" title=\"Types of Mutual Fund SIP Available in 2026\">Types of Mutual Fund SIP Available in 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#1_Regular_SIP\" title=\"1. Regular SIP\">1. Regular SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#2_Step_Up_SIP_Top_Up_SIP\" title=\"2. Step Up SIP (Top Up SIP)\">2. Step Up SIP (Top Up SIP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#3_Flexi_SIP\" title=\"3. Flexi SIP\">3. Flexi SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#4_Trigger_SIP\" title=\"4. Trigger SIP\">4. Trigger SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#5_Perpetual_SIP\" title=\"5. Perpetual SIP\">5. Perpetual SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#6_SWP_Systematic_Withdrawal_Plan\" title=\"6. SWP (Systematic Withdrawal Plan)\">6. SWP (Systematic Withdrawal Plan)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#7_STP_Systematic_Transfer_Plan\" title=\"7. STP (Systematic Transfer Plan)\">7. STP (Systematic Transfer Plan)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#The_Mathematics_of_Mutual_Fund_SIP_Compounding\" title=\"The Mathematics of Mutual Fund SIP Compounding\">The Mathematics of Mutual Fund SIP Compounding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Top_Performing_Schemes_for_Mutual_Fund_SIP_in_2026\" title=\"Top Performing Schemes for Mutual Fund SIP in 2026\">Top Performing Schemes for Mutual Fund SIP in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#How_to_Start_Your_First_Mutual_Fund_SIP\" title=\"How to Start Your First Mutual Fund SIP\">How to Start Your First Mutual Fund SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Mutual_Fund_SIP_vs_Other_Investment_Methods\" title=\"Mutual Fund SIP vs Other Investment Methods\">Mutual Fund SIP vs Other Investment Methods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#How_Mutual_Fund_SIP_Survived_the_April_2026_Correction\" title=\"How Mutual Fund SIP Survived the April 2026 Correction\">How Mutual Fund SIP Survived the April 2026 Correction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Common_Mistakes_in_Mutual_Fund_SIP_Investing\" title=\"Common Mistakes in Mutual Fund SIP Investing\">Common Mistakes in Mutual Fund SIP Investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#How_to_Optimise_Your_Mutual_Fund_SIP_for_Maximum_Returns\" title=\"How to Optimise Your Mutual Fund SIP for Maximum Returns\">How to Optimise Your Mutual Fund SIP for Maximum Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Mutual_Fund_SIP_for_Specific_Goals\" title=\"Mutual Fund SIP for Specific Goals\">Mutual Fund SIP for Specific Goals<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Retirement_Planning\" title=\"Retirement Planning\">Retirement Planning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Child_Higher_Education_15_years\" title=\"Child Higher Education (15 years)\">Child Higher Education (15 years)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Home_Down_Payment_5_to_7_years\" title=\"Home Down Payment (5 to 7 years)\">Home Down Payment (5 to 7 years)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Wealth_Building_Open_Ended\" title=\"Wealth Building (Open Ended)\">Wealth Building (Open Ended)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Why_Choose_Univest_for_Mutual_Fund_SIP\" title=\"Why Choose Univest for Mutual Fund SIP\">Why Choose Univest for Mutual Fund SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Frequently_Asked_Questions_on_Mutual_Fund_SIP\" title=\"Frequently Asked Questions on Mutual Fund SIP\">Frequently Asked Questions on Mutual Fund SIP<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#What_is_a_mutual_fund_SIP\" title=\"What is a mutual fund SIP?\">What is a mutual fund SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#What_is_the_minimum_amount_for_a_mutual_fund_SIP\" title=\"What is the minimum amount for a mutual fund SIP?\">What is the minimum amount for a mutual fund SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#How_does_compounding_work_in_mutual_fund_SIP\" title=\"How does compounding work in mutual fund SIP?\">How does compounding work in mutual fund SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#What_is_a_step_up_SIP\" title=\"What is a step up SIP?\">What is a step up SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Which_date_is_best_for_mutual_fund_SIP\" title=\"Which date is best for mutual fund SIP?\">Which date is best for mutual fund SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Can_I_stop_or_pause_my_mutual_fund_SIP\" title=\"Can I stop or pause my mutual fund SIP?\">Can I stop or pause my mutual fund SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#How_much_should_I_invest_in_mutual_fund_SIP\" title=\"How much should I invest in mutual fund SIP?\">How much should I invest in mutual fund SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/univest.in\/blogs-2\/mutual-fund-sip\/#Can_I_have_multiple_mutual_fund_SIPs\" title=\"Can I have multiple mutual fund SIPs?\">Can I have multiple mutual fund SIPs?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_Mutual_Fund_SIP_and_How_It_Works\"><\/span><strong>What Is a Mutual Fund SIP and How It Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <strong>mutual fund SIP<\/strong> is an investment method where you commit to investing a fixed amount in a chosen mutual fund scheme at regular intervals, typically monthly. The amount is auto debited from your bank account on a chosen date each month and used to buy mutual fund units at the prevailing NAV.<\/p>\n<p>The four core mechanics of how a SIP works:<\/p>\n<ol>\n<li><strong>Mandate setup:<\/strong> You authorise your bank through NACH mandate to auto debit a fixed amount monthly to the AMC.<\/li>\n<li><strong>Scheme selection:<\/strong> You choose one or more mutual fund schemes for the SIP investment.<\/li>\n<li><strong>Unit allotment:<\/strong> On the SIP date, the debited amount divided by the scheme NAV gives you the number of units allotted.<\/li>\n<li><strong>Compounding:<\/strong> Over years, accumulated units grow with NAV appreciation, building wealth through compounding.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Mutual_Fund_SIP_Available_in_2026\"><\/span><strong>Types of Mutual Fund SIP Available in 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Regular_SIP\"><\/span><strong>1. Regular SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fixed monthly amount in the same scheme indefinitely. The most common type. Example: Rs 10,000 monthly into Parag Parikh Flexi Cap Fund.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Step_Up_SIP_Top_Up_SIP\"><\/span><strong>2. Step Up SIP (Top Up SIP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Monthly amount increases annually by a fixed percentage or fixed rupee amount. Step up of 10 percent annually tracks salary growth and accelerates wealth building dramatically. A Rs 10,000 starting SIP with 10 percent annual step up for 20 years builds approximately 60 percent more corpus than a static Rs 10,000 SIP.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Flexi_SIP\"><\/span><strong>3. Flexi SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Monthly amount varies based on market conditions or your discretion. Some platforms allow you to invest more during corrections and less during peaks. Suits sophisticated investors who can time markets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Trigger_SIP\"><\/span><strong>4. Trigger SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>SIP installments triggered by specific events like NAV touching a particular level, Nifty 50 falling below a threshold, or a date based trigger. Used for tactical accumulation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Perpetual_SIP\"><\/span><strong>5. Perpetual SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>SIP set up without an end date. Continues until you cancel. Most retail SIPs are perpetual by default unless a specific tenure is selected.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_SWP_Systematic_Withdrawal_Plan\"><\/span><strong>6. SWP (Systematic Withdrawal Plan)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Reverse of a SIP. Used by retirees to withdraw a fixed amount monthly from an accumulated mutual fund corpus. Common withdrawal rates are 4 to 6 percent annually.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_STP_Systematic_Transfer_Plan\"><\/span><strong>7. STP (Systematic Transfer Plan)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Automated transfer from one scheme to another monthly. Commonly used to move from liquid funds to equity funds gradually after a lump sum.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Mathematics_of_Mutual_Fund_SIP_Compounding\"><\/span><strong>The Mathematics of Mutual Fund SIP Compounding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The power of a <strong>mutual fund SIP<\/strong> comes from compounding over long periods. The math:<\/p>\n<table>\n<tbody>\n<tr>\n<th>Monthly SIP<\/th>\n<th>Tenure<\/th>\n<th>Assumed CAGR<\/th>\n<th>Total Invested<\/th>\n<th>Final Corpus<\/th>\n<th>Wealth Gain<\/th>\n<\/tr>\n<tr>\n<td>Rs 5,000<\/td>\n<td>15 years<\/td>\n<td>15%<\/td>\n<td>Rs 9 lakh<\/td>\n<td>Rs 33.84 lakh<\/td>\n<td>Rs 24.84 lakh<\/td>\n<\/tr>\n<tr>\n<td>Rs 10,000<\/td>\n<td>15 years<\/td>\n<td>15%<\/td>\n<td>Rs 18 lakh<\/td>\n<td>Rs 67.68 lakh<\/td>\n<td>Rs 49.68 lakh<\/td>\n<\/tr>\n<tr>\n<td>Rs 10,000<\/td>\n<td>20 years<\/td>\n<td>15%<\/td>\n<td>Rs 24 lakh<\/td>\n<td>Rs 1.52 crore<\/td>\n<td>Rs 1.28 crore<\/td>\n<\/tr>\n<tr>\n<td>Rs 10,000<\/td>\n<td>25 years<\/td>\n<td>15%<\/td>\n<td>Rs 30 lakh<\/td>\n<td>Rs 3.24 crore<\/td>\n<td>Rs 2.94 crore<\/td>\n<\/tr>\n<tr>\n<td>Rs 25,000<\/td>\n<td>25 years<\/td>\n<td>15%<\/td>\n<td>Rs 75 lakh<\/td>\n<td>Rs 8.10 crore<\/td>\n<td>Rs 7.35 crore<\/td>\n<\/tr>\n<tr>\n<td>Rs 10,000 with 10% step up<\/td>\n<td>20 years<\/td>\n<td>15%<\/td>\n<td>Rs 68.7 lakh<\/td>\n<td>Rs 2.45 crore<\/td>\n<td>Rs 1.76 crore<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The takeaway is striking: starting a Rs 10,000 monthly <strong>mutual fund SIP<\/strong> at age 25 and running it till age 50 at 15 percent CAGR builds Rs 3.24 crore from just Rs 30 lakh invested. Time is the most powerful variable, more than the SIP amount itself.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top_Performing_Schemes_for_Mutual_Fund_SIP_in_2026\"><\/span><strong>Top Performing Schemes for Mutual Fund SIP in 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Category<\/th>\n<th>Top Pick<\/th>\n<th>3Y CAGR<\/th>\n<th>AUM (Rs Cr)<\/th>\n<th>Min SIP<\/th>\n<\/tr>\n<tr>\n<td>Large Cap<\/td>\n<td>Nippon India Large Cap Fund<\/td>\n<td>15.88%<\/td>\n<td>41,764<\/td>\n<td>Rs 100<\/td>\n<\/tr>\n<tr>\n<td>Flexi Cap<\/td>\n<td>Parag Parikh Flexi Cap Fund<\/td>\n<td>16.62%<\/td>\n<td>71,700<\/td>\n<td>Rs 1,000<\/td>\n<\/tr>\n<tr>\n<td>Mid Cap<\/td>\n<td>Motilal Oswal Large and Midcap Fund<\/td>\n<td>25.31%<\/td>\n<td>~10,500<\/td>\n<td>Rs 500<\/td>\n<\/tr>\n<tr>\n<td>Small Cap<\/td>\n<td>Bandhan Small Cap Fund<\/td>\n<td>30.81%<\/td>\n<td>~10,500<\/td>\n<td>Rs 500<\/td>\n<\/tr>\n<tr>\n<td>ELSS<\/td>\n<td>Quant ELSS Tax Saver Fund<\/td>\n<td>25.59%<\/td>\n<td>10,491<\/td>\n<td>Rs 500<\/td>\n<\/tr>\n<tr>\n<td>Hybrid<\/td>\n<td>HDFC Balanced Advantage Fund<\/td>\n<td>16.15%<\/td>\n<td>1,07,971<\/td>\n<td>Rs 100<\/td>\n<\/tr>\n<tr>\n<td>Index<\/td>\n<td>UTI Nifty 50 Index Fund<\/td>\n<td>~13%<\/td>\n<td>~16,000<\/td>\n<td>Rs 500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Past performance does not guarantee future returns. Compare every scheme for SIP suitability by 3Y, 5Y, AUM, expense ratio and risk metrics on the <a href=\"https:\/\/univest.in\/screeners\"><strong>Univest Mutual Fund Screener<\/strong><\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Start_Your_First_Mutual_Fund_SIP\"><\/span><strong>How to Start Your First Mutual Fund SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Starting a <strong>mutual fund SIP<\/strong> in India in 2026 takes about 30 minutes if KYC is already complete:<\/p>\n<ol>\n<li><strong>Complete KYC:<\/strong> PAN, Aadhaar based eKYC, in person or video KYC. One time process across all AMCs.<\/li>\n<li><strong>Open a Univest account:<\/strong> Sign up on app or web, link your bank account.<\/li>\n<li><strong>Define your goal:<\/strong> Retirement, child education, home down payment, or wealth building.<\/li>\n<li><strong>Take a risk profile assessment:<\/strong> 10 to 12 questions assessing your risk tolerance.<\/li>\n<li><strong>Choose schemes:<\/strong> Based on goal, horizon and risk profile, select 2 to 4 schemes across categories.<\/li>\n<li><strong>Decide SIP amount:<\/strong> Aim for 20 to 30 percent of monthly income across all SIPs combined.<\/li>\n<li><strong>Pick SIP date:<\/strong> 5th to 28th of the month works best, avoid month end and 1st.<\/li>\n<li><strong>Set up NACH mandate:<\/strong> Authorise your bank to auto debit the SIP amounts.<\/li>\n<li><strong>Enable step up feature:<\/strong> Set 10 percent annual increase to track salary growth.<\/li>\n<li><strong>Confirm and start:<\/strong> First SIP installment debits within 3 to 7 working days.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Mutual_Fund_SIP_vs_Other_Investment_Methods\"><\/span><strong>Mutual Fund SIP vs Other Investment Methods<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Parameter<\/th>\n<th>Mutual Fund SIP<\/th>\n<th>Recurring Deposit (RD)<\/th>\n<th>Direct Stocks<\/th>\n<th>PPF<\/th>\n<\/tr>\n<tr>\n<td>Typical Returns<\/td>\n<td>12 to 18% in equity<\/td>\n<td>6 to 7.5%<\/td>\n<td>Highly variable<\/td>\n<td>7.1%<\/td>\n<\/tr>\n<tr>\n<td>Liquidity<\/td>\n<td>High (T+1 to T+3)<\/td>\n<td>Penalty on early break<\/td>\n<td>Same day<\/td>\n<td>Partial after 7 years<\/td>\n<\/tr>\n<tr>\n<td>Risk<\/td>\n<td>Moderate to high<\/td>\n<td>Very low<\/td>\n<td>Very high without research<\/td>\n<td>Very low<\/td>\n<\/tr>\n<tr>\n<td>Tax Treatment<\/td>\n<td>12.5% LTCG above Rs 1.25 lakh<\/td>\n<td>Interest at slab rate<\/td>\n<td>Same as equity mutual funds<\/td>\n<td>Fully tax free<\/td>\n<\/tr>\n<tr>\n<td>Min Investment<\/td>\n<td>Rs 100 per month<\/td>\n<td>Rs 500 per month<\/td>\n<td>Stock price dependent<\/td>\n<td>Rs 500 annually<\/td>\n<\/tr>\n<tr>\n<td>Diversification<\/td>\n<td>Built in (50 to 100 stocks)<\/td>\n<td>Bank deposit only<\/td>\n<td>You must build it<\/td>\n<td>Single instrument<\/td>\n<\/tr>\n<tr>\n<td>Management<\/td>\n<td>Professional fund manager<\/td>\n<td>Bank operated<\/td>\n<td>Self managed<\/td>\n<td>Government operated<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How_Mutual_Fund_SIP_Survived_the_April_2026_Correction\"><\/span><strong>How Mutual Fund SIP Survived the April 2026 Correction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The April 2026 US tariff led correction that saw Nifty fall 11.3 percent in one month was a stress test for SIP investors. AMFI data showed that SIP accounts continued auto debiting at near normal levels even as the Sensex dropped 11.5 percent. This behavioural discipline is what makes <strong>mutual fund SIP<\/strong> investing so effective: the automation removes monthly decision points and prevents panic.<\/p>\n<p>For an investor whose SIP debited Rs 10,000 in early April 2026 when NAVs were down 12 to 18 percent, the same amount bought 14 to 22 percent more units than a normal month. As markets recovered in May 2026, these additional units appreciated immediately. This is rupee cost averaging at work.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_in_Mutual_Fund_SIP_Investing\"><\/span><strong>Common Mistakes in Mutual Fund SIP Investing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Stopping SIPs during corrections:<\/strong> Kills rupee cost averaging at the exact moment it works best.<\/li>\n<li><strong>Choosing too many schemes:<\/strong> 4 to 6 schemes across categories is sufficient. More dilutes returns.<\/li>\n<li><strong>Not enabling step up:<\/strong> Static SIPs do not track salary growth. Always enable 10 to 15 percent annual step up.<\/li>\n<li><strong>Switching schemes frequently:<\/strong> Each switch resets compounding clock and incurs tax events.<\/li>\n<li><strong>Choosing regular plans through banks:<\/strong> Direct plans deliver 0.5 to 1 percent higher returns annually.<\/li>\n<li><strong>Skipping months for liquidity needs:<\/strong> Build a 6 month emergency fund separately so SIPs never get disturbed.<\/li>\n<li><strong>Mismatching scheme with goal horizon:<\/strong> Equity schemes are for 7+ year goals, not 2 year needs.<\/li>\n<li><strong>SIP on the 1st or 31st:<\/strong> Bank processing delays can cause skipped installments. Choose 5th to 28th.<\/li>\n<\/ul>\n<p>Download the Univest App on <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\"><strong>iOS<\/strong><\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Android<\/strong><\/a> to start direct plan SIPs and access personalised SIP advisory.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Optimise_Your_Mutual_Fund_SIP_for_Maximum_Returns\"><\/span><strong>How to Optimise Your Mutual Fund SIP for Maximum Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Start early:<\/strong> Every year of delay costs roughly 12 to 18 percent of final corpus. Age 25 SIPs build double the corpus of age 30 SIPs by retirement.<\/li>\n<li><strong>Step up annually:<\/strong> 10 percent annual step up adds 50 to 60 percent to final corpus versus static SIP.<\/li>\n<li><strong>Choose direct plans:<\/strong> 0.5 to 1 percent annual expense ratio savings compounds to 18 to 25 percent larger corpus over 20 years.<\/li>\n<li><strong>Stay disciplined through corrections:<\/strong> Do not stop SIPs in 2008, 2020 or 2026 type drawdowns.<\/li>\n<li><strong>Diversify across categories:<\/strong> 60 to 70 percent flexi cap and large cap, 15 to 20 percent mid cap and small cap, 10 to 15 percent ELSS.<\/li>\n<li><strong>Use SEBI registered advisory:<\/strong> Behavioural coaching during volatility adds 1.5 to 3 percent annually in net returns.<\/li>\n<li><strong>Review annually, not monthly:<\/strong> Frequent reviews lead to needless switching.<\/li>\n<li><strong>Reinvest tax savings from ELSS:<\/strong> The Rs 46,800 saved through 80C is itself a potential SIP top up.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Mutual_Fund_SIP_for_Specific_Goals\"><\/span><strong>Mutual Fund SIP for Specific Goals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Retirement_Planning\"><\/span><strong>Retirement Planning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For a 30 year retirement corpus of Rs 5 crore at 60, start a Rs 15,000 monthly SIP at age 30 with 10 percent annual step up in flexi cap and large and mid cap funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Child_Higher_Education_15_years\"><\/span><strong>Child Higher Education (15 years)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For a Rs 1 crore education corpus, start a Rs 12,000 monthly SIP at child age 3 in a mix of flexi cap, mid cap and ELSS schemes with 10 percent step up.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Home_Down_Payment_5_to_7_years\"><\/span><strong>Home Down Payment (5 to 7 years)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For a Rs 30 lakh down payment in 7 years, start Rs 20,000 monthly SIP in balanced advantage and large cap schemes for moderate volatility.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Wealth_Building_Open_Ended\"><\/span><strong>Wealth Building (Open Ended)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Allocate 20 to 25 percent of monthly income to SIPs across flexi cap, mid cap and ELSS schemes. Add bonus and windfall amounts as lump sum top ups.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Choose_Univest_for_Mutual_Fund_SIP\"><\/span><strong>Why Choose Univest for Mutual Fund SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Univest is a SEBI registered platform offering direct plan <strong>mutual fund SIP<\/strong> setup across 1,500+ schemes with personalised advisory. Investors in Mumbai, Bengaluru, Delhi NCR, Pune, Hyderabad, Chennai, Ahmedabad, Surat, Jaipur, Lucknow, Indore, Coimbatore and Visakhapatnam can start SIPs from Rs 100 monthly, enable step up features, set up multi scheme portfolios, track performance in real time and access SEBI registered research insights.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The mutual fund SIP is the most powerful wealth building tool available to Indian retail investors in 2026. The combination of rupee cost averaging, disciplined automation, compounding over 15 to 25 year horizons and direct plan execution can transform modest monthly amounts into multi crore corpus. Start early, step up annually, stick with direct plans, diversify across 4 to 6 schemes, and use SEBI registered advisory to manage behaviour during corrections. A Rs 10,000 monthly SIP with 10 percent annual step up for 20 years builds approximately Rs 2.45 crore. For SEBI registered SIP advisory and direct plan execution, log in to Univest today.<\/p>\n<p><em>Investments in securities are subject to market risk. This content is for educational purposes only and does not constitute investment advice.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Mutual_Fund_SIP\"><\/span><strong>Frequently Asked Questions on Mutual Fund SIP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_mutual_fund_SIP\"><\/span><strong>What is a mutual fund SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A mutual fund SIP (Systematic Investment Plan) is a method of investing a fixed amount in a chosen mutual fund scheme at regular intervals, typically monthly. The amount is auto debited from your bank and used to buy units at prevailing NAV.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_minimum_amount_for_a_mutual_fund_SIP\"><\/span><strong>What is the minimum amount for a mutual fund SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Most mutual fund SIPs in India can be started with just Rs 100 to Rs 500 per month. Some schemes allow Rs 100 monthly SIPs. Starting small is fine; consistency and time matter more than amount.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_compounding_work_in_mutual_fund_SIP\"><\/span><strong>How does compounding work in mutual fund SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Each SIP installment buys units that grow over time. As NAV rises, both old and new units appreciate together. Over 15+ year horizons, returns generated on past returns dominate fresh contributions, creating exponential wealth growth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_step_up_SIP\"><\/span><strong>What is a step up SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A step up SIP automatically increases your monthly investment by a fixed percentage or amount annually, typically 10 percent. This tracks salary growth and adds 50 to 60 percent more corpus over 20 years versus static SIPs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_date_is_best_for_mutual_fund_SIP\"><\/span><strong>Which date is best for mutual fund SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Choose SIP dates between the 5th and 28th of the month to avoid month end bank processing delays. The exact date does not materially affect returns. Pick a date when funds are reliably available in your bank.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_stop_or_pause_my_mutual_fund_SIP\"><\/span><strong>Can I stop or pause my mutual fund SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, you can pause or stop SIPs anytime by submitting a cancellation request through your investment platform. However, stopping during corrections kills rupee cost averaging. Use the pause feature only for genuine emergencies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_much_should_I_invest_in_mutual_fund_SIP\"><\/span><strong>How much should I invest in mutual fund SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A common target is 20 to 30 percent of monthly income across all SIPs combined. Adjust based on income, expenses, existing savings and financial goals. Start with what is sustainable and step up annually.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_have_multiple_mutual_fund_SIPs\"><\/span><strong>Can I have multiple mutual fund SIPs?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, multiple SIPs across 4 to 6 schemes across different categories is a common approach. Avoid over diversification beyond 6 schemes as it dilutes returns without meaningful risk reduction.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Complete guide to mutual fund SIP in India 2026. Types, compounding math, top schemes, how to start, common mistakes. SEBI advisory from Univest.<\/p>\n","protected":false},"author":28,"featured_media":98002,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[4314],"class_list":["post-97957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-mutual-fund-sip"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1779788749:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_seo_score":["83"],"rank_math_title":["Mutual Fund SIP India 2026: Complete Guide and Top Picks"],"rank_math_description":["Complete guide to mutual fund SIP in India 2026. Types, compounding math, top schemes, how to start, common mistakes. 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