Long-term compounding in top-rated equity mutual funds. Watch ₹100/month become lakhs over time.
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Tax Saving ELSS SIP
Save up to ₹46,800 in taxes every year under Section 80C with ELSS mutual funds.
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Beginner Friendly
Never invested before? No problem. Sanjan will explain everything in simple language — zero jargon.
⚡ How to Start SIP in 3 Simple Steps
1
Call or WhatsApp Sanjan
Get free personalized advice. Sanjan will understand your goals and suggest the right SIP plan for you.
2
Complete KYC in 10 Minutes
Just your PAN card & Aadhaar. Register on AssetPlus — fully online, paperless and secure.
3
SIP Auto-Debits Every Month
Sit back and relax. Your SIP runs automatically. Watch your wealth grow month after month! 🚀
🛟 Emergency Fund Planning — Your Foundation First
🛟 Emergency Fund · Foundation First
Before SIP. Before insurance. Build your safety net first.
Most people skip this step — and pay the price when life doesn't go to plan. A job loss, a hospital bill, an urgent repair — without a buffer, you're forced to break your investments or take a loan.
If you're wondering how to build an emergency fund or where to start with financial planning, this is always step one. The right amount, parked in the right place, can make all the difference. Sanjan will help you figure out exactly how much you need and where to keep it.
How far along are you?0 / 6 stages
Tap a stage to mark your progress ↓
✓1Zero
✓2Starter
✓3Buffer
✓4Stable
✓5Strong
✓6Secure
Tap a stage above to track your progress
Foundation FirstRight InstrumentPersonalised AmountFree Guidance
🛡️ Health & Life Insurance Guidance — Free & Unbiased
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Term Life Insurance
Secure your family's future with a high-cover term plan at a low premium. Pure protection, no hidden costs.
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Health Insurance
Free, unbiased comparison across all insurers. Get the right cover at the best premium — tailored for your family, with zero brand bias.
🏥 Health Insurance — Free Assessment
Attention · Health Insurance
🏥 Free Assessment Available
Not sure how much health insurance your family needs? Don't wait for a hospital bill to find out you're underinsured.
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All insurers comparedNo brand bias — I work for you, not an insurer
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Right cover at the best premiumTailored to your family's actual healthcare needs
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Completely free assessmentNo obligation, no spam, honest advice only
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Fast reply — within 1 hourWhatsApp Sanjan directly for a quick conversation
Free · No obligation · No spam
🏥 Health Cover Estimator
1
Family
2
Age
3
City
4
Health
5
Income
Step 1 of 5
Who needs coverage?
Select all members who'll be on the same policy.
🧑Just MeIndividual
👫Me + Spouse2 members
👨👩👦Family of 3Spouse + 1 child
👨👩👧👦Family of 4Spouse + 2 children
🏠Joint FamilyParents included
👴👵Parents OnlySenior plan
Step 2 of 5
Age of the oldest member?
Premiums and coverage needs rise with age — older members need higher cover.
18years old
1830456070
Step 3 of 5
Where do you live?
Hospital costs vary significantly across cities. Metro hospitals can charge 3–4× more.
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Rural / Small TownThrissur outskirts, Palakkad, Wayanad
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Semi-UrbanThrissur city, Palakkad, Kollam, Kottayam
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UrbanKochi, Kozhikode, Trivandrum
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MetroBangalore, Chennai, Mumbai, Delhi
Step 4 of 5
Any health risk factors?
Select all that apply. Higher risk = higher recommended cover to buffer costs.
Lifestyle
🏃Active
🚶Moderate
🛋️Sedentary
Tobacco / Smoking
Non-smoker ✓
Smoker
Pre-existing conditions
NoneAll clear
BP / DiabetesLifestyle conditions
Heart / CardiacHigher risk
OtherChronic illness etc.
Step 5 of 5
Annual household income?
This helps balance the recommendation — cover should be meaningful but not unaffordable.
Below ₹3L₹25k/month
₹3L – ₹6L₹25k–₹50k/month
₹6L – ₹12L₹50k–₹1L/month
Above ₹12L₹1L+/month
Recommended Cover
₹10L – ₹15L
Moderate
Free · No obligation · No spam · Replies within 1 hour
⚠️ Educational estimate only. Consult Sanjan for a personalised assessment before purchasing any plan.
📊 SIP Investment Calculator — Plan Your Wealth
Monthly SIP ₹5,000
Duration 10 Years
Expected Return 15% p.a.
Total Value at Maturity
₹11.61 L
48%
Gain
₹6.00 L
💼 Invested
₹5.61 L
📈 Gains
Lumpsum Amount ₹1,00,000
Duration 10 Years
Expected Return 12% p.a.
Total Value at Maturity
₹3.11 L
211%
Gain
₹1.00 L
💼 Invested
₹2.11 L
📈 Gains
💰 How Your Money Grows With SIP
If you invest ₹5,000/month for 10 years, here's what each could have historically grown to:
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SIP · Equity
Nifty LargeMidcap 250 · 15% CAGR
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Gold
Sovereign Gold Bond · 8% p.a.
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Fixed Deposit
Bank FD · 7% p.a.
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⚠️ Returns shown are illustrative. SIP based on Nifty LargeMidcap 250 historical CAGR of 15%. FD at 7% p.a. and Gold at 8% p.a. are indicative. Past performance is not indicative of future returns. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Frequently Asked Questions About SIP & Financial Planning 18 Answered
🛟 Emergency Fund
Starting SIP without an emergency fund is like building a house on sand. One unexpected expense and years of discipline can collapse in a single month. This step always comes first — get in touch with Sanjan to set up your emergency fund the right way before you begin investing.
It is not the same for everyone. Your job type, number of dependents, and lifestyle all change the number significantly. Most people get this wrong.
Not your regular savings account. There is a smarter option most people overlook — safe, instantly accessible, and slightly growing.
🛡️ Insurance
No. I am completely unbiased and not tied to any specific insurer. My job is to understand your family's needs and find the right health or term cover at the best premium — across all available options. You get honest advice, not a sales pitch for a particular brand.
Simply contact Sanjan for a free conversation. He will assess your current health cover, identify any gaps, and compare plans across all major insurers to find the right cover at the best premium for your family — zero brand bias, no obligation, no spam.
Yes — the SIP calculator and Goal Planner on this page are completely free to use. Enter your monthly amount, years and expected return to see exactly how your wealth grows. For a personalised plan tailored to your goals, contact Sanjan.
Use the free Health Cover Estimator on this page — answer 5 simple questions about your family size, age, city and health profile to get a personalised cover recommendation instantly. For a full unbiased assessment across all insurers, contact Sanjan.
Mutual funds are regulated by SEBI, India's top financial regulator. Your money is held by an independent custodian — not by me or AssetPlus. While market risks exist, long-term SIPs have historically delivered inflation-beating returns — making it one of the best ways for salaried individuals across Kerala to grow their money steadily. Risk reduces significantly over longer horizons.
Yes! SIP is completely flexible. You can pause, stop, increase, or decrease your SIP amount anytime — no penalty, no lock-in (except ELSS which has a 3-year lock-in for tax benefit).
You can start a SIP with as little as ₹100 per month. There is no maximum limit. Even if you have just ₹500 or ₹1000 per month to spare, that is enough to start building real wealth. Start small, build the habit, and increase when you're ready.
ELSS mutual funds qualify for tax deduction under Section 80C. Invest up to ₹1.5 lakh per year and save up to ₹46,800 in taxes. ELSS has only a 3-year lock-in — the shortest of all 80C options — and historically delivers strong market-linked returns over that period.
This is actually when SIP works best. When markets fall, your fixed monthly amount buys more units at lower prices — this is called rupee cost averaging. Historically, investors who continued SIPs through crashes like 2008, 2020, and 2022 came out significantly ahead. The worst thing you can do is stop your SIP when markets fall. I'm here to guide you through exactly those moments.
For most mutual funds — no lock-in at all. You can redeem anytime (exit load may apply within 1 year for equity funds). The only exception is ELSS tax-saving funds, which have a 3-year lock-in per SIP instalment. I will always tell you upfront what applies to the fund I recommend.
🤝 Working with Sanjan
My guidance is completely free for you. I earn a small trail commission directly from the AMC (fund house) through the regular plan's expense ratio — this is standard practice for all AMFI-registered MFDs in India and is fully regulated by SEBI. The regular plan's expense ratio is marginally higher than a direct plan, but what you get in return is ongoing personalised guidance, fund selection, and someone to call when markets fall. You pay nothing out of pocket, ever.
Simple! Whether you are in Thrissur, Kochi, Calicut, or anywhere in Kerala — call or contact Sanjan for a free conversation about your goals, or click "Start SIP Online" to register directly on AssetPlus. You'll need your PAN card and Aadhaar for KYC — takes just 10 minutes!
Direct plans have a slightly lower expense ratio — but you are fully on your own for fund selection, rebalancing, and decisions during market crashes. With a Regular Plan through me, you get personalised fund selection, portfolio reviews, and ongoing guidance, all at zero cost to you. For most investors, the guidance is worth far more than the small difference in expense ratio.
Yes — I offer in-person financial wellness sessions at your home in Thrissur and nearby areas. This is a physical visit only; not available online or over phone. In the session, we cover your emergency fund (my core speciality — how much you need, where to keep it, and how to build it), health insurance assessment (current gaps and the right cover for your family), and term life insurance review. A one-time fee applies, based on your location and the complexity of your financial situation. Contact Sanjan to discuss and schedule.