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Smart investment

for smarter returns
with SmartSIP

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This is how SmartSIP outperforms regular

SIP and generates superior returns for you


SmartSIP continues investing in equity funds when markets are fairly priced and doubles your investment when markets are attractively priced.

Outcome: Buying more equity units when markets are cheaper.

SmartSIP skips investing in equity funds and parks your installment in low risk liquid funds when markets are overpriced.

Outcome: Avoids buying equity units when markets are expensive.

SmartSIP partially sells equity funds and parks the sale proceeds in low risk liquid funds when the markets are very overpriced.

Outcome: Books profit when the markets are very expensive.

Beats market volatility

with buy low,
sell high principle

SmartSIP, based on the Margin of Safety Index(MosDex) signal, buys or sells mutual funds to generate superior returns on investment for you.

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Create wealth faster

with new-age
mutual fund investing

Upgrade your mutual fund investments from traditional SIP to the new-age SmartSIP. It invests your money like an intelligent institutional investor to achieve your goals faster.

Upgrade to SmartSIP
Investing via SmartSIP+/SmartSIP/SIP+ is not a guarantee of generating returns in markets. The calculation shown is based on past performance. Past performance may or may not be sustained in future.

Manages & reduces your risk

with MosDex ©™

Using RankMF research‘s Margin of Safety indicator, SmartSIP checks if it is the right time and NAV to invest in the equity mutual fund to manage risk by avoiding to invest at an expensive price & buys only when NAV is inexpensive to improve return on investment for you automatically.

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FAQ’s


What is SmartSIP?
SmartSIP is a revolutionary new order type for mutual fund investing. A SmartSIP automatically follows the rule of buying low and selling high instead of a regular SIP which buys units even when markets are high. In a SmartSIP order, when the market prices are expensive, money is invested in low risk liquid funds and when the market prices are cheap, more money is invested in equity funds.
How does the SmartSIP work?
  • When the ‘MosDex’ of a particular fund is between 90-105, investment is continued in the choice of your equity fund as the NAV is reasonably priced.
  • When the ‘MosDex’ of the particular fund goes beyond 105, investment is doubled in the equity mutual fund as the NAV is undervalued and available at low price. (Only in case of SmartSIP+)
  • When the ‘MosDex’ is between 80-90, the NAV of the fund becomes expensive hence SmartSIP skips investing in the equity fund and park the money in a low risk liquid fund.
  • When the ‘MosDex’ falls below 80, partial profits are booked as NAV becomes very expensive and new investment is made in low risk-liquid fund.
  • And when the markets/NAV is reasonably priced or is inexpensive, the investment is shifted back to the choice of equity scheme.
What are the benefits of SmartSIP?
A SmartSIP order is much superior than a regular SIP on account of the following:
  • Higher returns
    Higher returns as compared to the conventional 70:30 equity debt SIP and also the only 100% equity SIP mode.
  • Higher realisable value of the invested corpus
    The realisable value of invested corpus is much higher as compared to corpus value of the SIP investments.
  • Lower risk
    At the times when markets are expensive, instead of buying the expensive equity units, liquid units are bought which leads to lower risk.
What is the difference between SmartSIP and SmartSIP+?

SmartSIP has 2 options , with top up and without top up . SmartSIP+ is the variant with the top up option. When the margin of safety index is very high , then an additional amount equivalent to the SmartSIP installment amount is invested for superior returns as compared to the SmartSIP.

SmartSIP is like a regular SIP presumes that the SIP installment amount each month shall remain the same. So, if the regular SIP amount is Rs. 10000 for 60 months over 5 years i.e. a total investment of Rs. 6,00,000, the amount under SmartSIP would also be equal to Rs. 6,00,000 i.e. Rs. 10,000 * 60 months.

In the SmartSIP+ variant, additional top up amounts are drawn from your account depending on the Margin of Safety. For e.g. if the Margin of Safety was 106 for a particular month on SIP day, instead of Rs. 5,000 which would otherwise be drawn, Rs. 10,000 is drawn for that month.

Why is the mandate necessary for SmartSIP?

A SmartSIP follows the same discipline of the SIP with respect to amount and frequency, therefore it is mandatory to have mandate / auto debit facilities.

Note: Investment along with SmartSIP mandate registration (initial investment) is not allowed and installments transaction will only be processed once the SmartSIP mandate is registered and approved.

If I can start regular SIP with Rs. 500, why should I have to have Rs. 5000 installments of SmartSIP?
SmartSIP is a simple order with two legs – investor chosen equity scheme and liquid fund. Investment in the either schemes and rebalances from liquid to equity and vice versa are made based on the MosDex value of the equity scheme. Most schemes have minimum transaction limits for additional purchases/redemptions due to which the minimum installment size is kept at Rs. 5000.
I am an existing customer of RankMF and I also have my mandate approved and a SIP is running, can I start SmartSIP instantaneously?
The current mandate is registered for SIP and there is a separate Mandate required for SmartSIP, therefore we request you to kindly execute a SmartSIP order and follow the process to create SmartSIP Mandate.
What happens if the mandate debit instruction is rejected, will SmartSIP stop?
In case of inadequacy of funds in your bank account, the transaction for that month shall be skipped and the same shall be attempted in the subsequent month.
When will the money in my bank account be debited and how much?

The money will be debited 2 working days prior to the SmartSIP transaction day. In case of SmartSIP the money debited will be that of the installment amount. In case of SmartSIP+ double the amount of instalment shall be debited from your bank account.

Note : Kindly keep your account adequately funded 2 working days in advance of SmartSIP installment date.

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