You Built Your Wealth with SIPs. Your Employees Can Too.
Most businesses give a bonus and an increment at Diwali, and part of it can start a monthly SIP for your employees.
Dear client,
You have invested with us for many years. Some of you started with a small SIP, and today it is a large amount. You have seen what a monthly SIP can do when it is given time.
The people who work for you have not seen this. Most of them have a salary account and maybe an FD. No bank calls them about investing, because their amounts are small.
There is something you can do for them. It is called Group SIP.
We have run one for our own team for some years now. This letter is written from what we have seen in our own office.
What Group SIP is
A Group SIP is a monthly SIP in each employee’s own name. The business runs it for the whole team together. Each person has their own folio and gets their own statement.
It is the same SIP you already know. The difference is that the business sets it up for the whole team at one time.
The amount can come in three ways. The employee can ask for it to be taken from their salary. The business can pay it. Or the two can share it. You choose which way suits your business.
Once it is set up, the amount goes every month on its own, the same way your own SIP does.
What we did for our own team
Started in December 2019.
Covers 12 people today.
Between ₹1,000 and ₹4,000 a month. Each person chose their own amount.
This amount is part of their salary. It is their own money. Each of them could do the same SIP on their own. Doing it together through the office is what keeps them regular.
In these years, team members have used this money for their own wedding, for a child’s education and for a house. Almost every one of these portfolios is now above ₹1 lakh.
What it does for your employee
A salary comes in and goes out every month. An SIP keeps a part of it aside. Over the years, this becomes the money for a house, a wedding, children’s education or a medical emergency.
They get a statement in their own name. They can see what they have put in and what it is worth today.
They also get someone to ask when they have a question about money. Most of them have never had that. They can call us, the same way you do.
What it does for your business
Your employees see that the business thinks about their future. Good people tend to stay longer.
You do not have to pay the full amount yourself. Even when the employee pays from their own salary, it is the business that set it up for them.
If the business pays the amount, it can choose to keep the units on hold until the employee completes an agreed number of years. Our own team’s SIP has no such hold.
The Diwali bonus
Most businesses give a bonus at Diwali. A bonus given in cash is usually spent within a few weeks. Part of it can go into an SIP in the employee’s name instead.
Two things to keep in mind
Mutual fund values go up and down, and nothing is guaranteed.
For how this is treated in your books and for tax, ask your CA.
How to start
Talk to your Moneyplus relationship manager. There is nothing you need to work out before that. They will explain how it works for a team of your size and help with the forms.
Want to start a Group SIP for your team?
Talk to your Moneyplus relationship manager. They will explain how it works for a team of your size and help with the forms.
Moneyplus Editorial
Figures about our own team are as of October 2026.
Moneyplus is an AMFI-registered mutual fund distributor — ARN-137949. What you read here is general information written from experience, not a recommendation to buy or sell any scheme, and it does not take your personal situation into account. As a distributor, Moneyplus earns commission on the schemes it transacts for its clients. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past performance does not guarantee future returns.
