Investment Services
Systematic Investment Plan (SIP)
"No horse gets anywhere until he is harnessed. No stream drives anything until it is confined. No river flow can be ever turned into light and power until it is tunneled. No life ever becomes great until it is focused, dedicated and disciplined."
Self-discipline is the ability to get yourself to take actions regardless of your emotional state. It is rightly said that 'we are what we repeatedly do; excellence, then, is not an act, but a habit.'
Financial discipline

Saving money isn't all about whether or not you know how to score screaming bargains. It has more to do with your attitude towards money. As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as with money.

When we talk about financial discipline, a systematic investment plan, SIP, is the most disciplined way of investing and is best suited during volatile markets.
You often decide to start saving and investing regularly, but get caught up in day-to-day activities and forget to make the investment. SIP is a time-tested discipline that makes it easy to invest automatically. This ensures rupee-cost averaging and can help put the power of compounding on your side. It happens to be one of the best modes of tackling inflation.
The chart below shows how the power of compounding works in case of SIP. We have considered a SIP of Rs 1,000 per month for 20 years. Thus your total investment would be Rs 2.4 lakh at the end of the 20th eyar. The corpus at the end of 20 years would depend on the returns that you will earn as shown below:
~ Growth @ 12 per cent: Rs 10 lakh (approximately)
~ Growth @ 15 per cent:  Rs 15.15 lakh
~ Growth @ 18 per cent:  Rs. 23.43 lakh
In the above comparison, we considered three different growth rates for a fixed time horizon after taking into account the average returns that stock market investments have historically provided to investors. Let us now consider a more comprehensive scenario where we have different time horizon and different growth rates. 
 Investment time  Invested  amount       Expected growth rates
 12 per cent  15 per cent  18 per cent
 3 years  Rs 36,000  Rs 43,508  Rs 45,679  Rs 47,985
 5 years  Rs 60,000  Rs 82,486  Rs 89,682  Rs 97,658
 7 years  Rs 84,000  Rs 131,979  Rs 148,968  Rs 168,665
 10 years  Rs 120,000  Rs 232,339  Rs 278,657  Rs 336,258
 20 years  Rs 240,000  Rs 999,148  Rs 1,515,955  Rs 2,343,487
* Rs 1,000 per month invested.
It is clear from the above table that SIP, from a long term perspective, is the most effective way of wealth creation with high liquidity. Nominal investment of even Rs 1,000 per month can generate enormous wealth over a period of time