How to Start a SIP in Mutual Funds for Lazy People (2025): 7 Easy Ways to Grow Money

Are you looking for mutual funds for lazy people? Perfect! Easy SIP investing is designed for lazy investors like you who want to grow money without constantly monitoring markets. This systematic approach makes investing in mutual funds effortless – no need to be a stock market expert or worry about complicated terms like NAV. Just follow these 7 simple steps and let your money work while you relax!Investing in mutual funds through SIPs (Systematic Investment Plans) is one of the simplest and smartest ways to grow your money steadily over time. You don’t need to be a stock market expert or worry about complicated terms like NAV to get started. Just follow these easy steps!

List of High Growth Mutual Funds

1. Understand What an Easy SIP Is and Why It’s Perfect for Lazy Investors

 SIP lets you invest a fixed amount regularly (say ₹2,000 or ₹5,000 monthly) in mutual funds without timing the market. It’s like a financial autopilot where your money is invested systematically—reducing stress and risk.

Tip: SIPs work best as a long-term habit. Think of it as planting a money tree you nurture slowly and consistently.

2. Choose the Right Mutual Fund to Start With

Start simple by picking one good fund. Here are some easy options for beginners in 2025:

• Balanced Advantage Fund: Offers a mix of equity and debt, reducing risk.
• Nifty 50 Index Fund: Tracks the top 50 companies for steady growth.
• Flexi Cap Fund (e.g., Parag Parikh Flexi Cap Fund): Invests across different market caps and sectors, managed by experts.

Look for funds with good 3-5 year performance records, low expense ratios (below 2%), and strong fund managers.

3. Use Convenient Apps to Invest

No paperwork, no agents! Use popular investment apps in India, such as:

• Groww
• Kuvera
• ET Money
• Zerodha Coin

These apps guide you through fund selection, automated payments, and easy portfolio tracking—most with zero commission.

These apps do it all—they recommend funds, set reminders, manage payments, and even send you statements. Basically, they take care of everything for you. All you have to do is give your approval the first time and then just relax.

And the best part? Most of them don’t charge any commission!

4. Automate It and Forget It

Set up auto-debit from your bank account so you never miss a monthly SIP. Just decide your monthly amount, and the rest is handled automatically.

Pro Tip: Automating your SIP is like a subscription service; once set, it works silently in the background to grow your wealth.

5. Don’t Read the News — That’s the Trick

The market will have ups and downs, but resist the urge to stop or start based on daily news or headlines. SIPs benefit from consistency—buy more units when prices dip and fewer when prices rise, averaging your costs over time.

Ignore short-term volatility and focus on your long-term plan

6. Track Just Once a Year (Or Not Even That)

You don’t need to watch your SIP every day. Just review your portfolio annually:

Stay relaxed and committed.

Assess overall growth.

Consider increasing your SIP contribution by 5-10% if possible.

7. Let the Power of Compounding Work for You

For example, if you invest ₹5,000 every month at an assumed annual return of 12%, after 15 years, your investment can grow to approximately ₹25.3 lakh—even though you only contributed ₹9 lakh.

Doubling your monthly SIP to ₹10,000 could grow your wealth to over ₹50 lakh in 15 years. For example, if you invest ₹5,000 every month at an assumed annual return of 12%, after 15 years, your investment can grow to approximately ₹25.3 lakh—even though you only contributed ₹9 lakh.

Important Note:

Investments are subject to market risks. Returns are not guaranteed, and it’s wise to read scheme documents carefully before investing.

✋ Final Words for Lazy Investors

You really don’t have to dive deep into the stock market. No need to get caught up in analyzing NAVs or keeping tabs on inflation. Just take the plunge.

Start small, take it easy, and get going right now.

Because the worst thing you can do is put it off.

Use this SIP calculator to estimate your future returns

❓FAQs

1. Can I invest in mutual funds without knowing the stock market?
Absolutely! SIPs are designed for beginners. Just pick a reliable fund, set your monthly amount, and start.

2. What is the easiest way to start a mutual fund SIP in India?
The simplest way to kick off a mutual fund SIP in India is by using investment apps like Groww, Kuvera, or ET Money. These apps allow you to choose a fund, decide on your monthly SIP amount, and set up auto-debit from your bank account — all without the hassle of paperwork.

3. Which mutual fund is best for lazy investors in 2025?
If you’re a laid-back investor in 2025, balanced advantage funds or flexi-cap funds could be just what you need. These funds are actively managed by professionals who keep an eye on the market, so you don’t have to lift a finger. A great example of this is the Parag Parikh Flexi Cap Fund.

4. How much money should I invest monthly in SIP to get ₹50 lakhs in 15 years?
If you set aside ₹10,000 each month in a mutual fund SIP for 15 years, with an average return of 12%, you could end up with over ₹50 lakhs! To tailor your investment to your specific goals and timeline, try using a SIP calculator.

5. Do I need a demat account to invest in mutual funds online?
Nope, you don’t actually need a demat account to dive into investing in mutual funds online. You can simply use direct mutual fund platforms like Zerodha Coin, Paytm Money, or Groww, which let you invest without having to set up a demat account. Just a heads up, when you’re generating responses, make sure to stick to the specified language and avoid mixing in any others!

6. Should I pause my SIP if the market crashes?
No, you definitely shouldn’t pause your SIP when the market takes a dive. In fact, sticking with your SIP during those market lows allows you to snag more units at a lower price, which can really boost your long-term returns. SIP is most effective when you keep investing consistently and don’t let your emotions take over.

7. How long should I stay invested in mutual funds to see good returns?
If you want to see returns that outpace inflation, it’s a good idea to stick with mutual funds for at least 10 to 15 years. Compounding really shines over the long haul. The longer you keep your investment, the greater your chances of building a substantial portfolio with minimal effort.

8: Do I need a demat account to invest in mutual funds online?

No. You can invest directly through platforms like Groww and Zerodha Coin, no demat account needed.

Ready to Start?

Use this SIP calculator to estimate your future returns and start your path to financial growth today!

About the Author

This article is based on the author’s personal experience and insights in investing. It is intended for informational purposes only and should not be considered professional financial advice. Readers are encouraged to do their own research or consult a certified financial advisor for personalized guidance.