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How do I add a monthly SIP or regular investment?

Open the holding’s Lots & edits, choose A regular SIP, and enter how much, how often and when it started. Nivritee fills in each instalment up to today, priced at that day’s close.

Declare it once on the holding, rather than typing every instalment. Nivritee turns the declaration into a dated purchase for each instalment, which is what makes the return on a SIP honest: money invested five years ago and money invested last month have been at work for very different lengths of time.

  1. Add the fund or ETF first with + Add a holding, if it is not listed yet.
  2. On its row, press Lots & edits.
  3. Choose A regular SIP (instead of One-off purchases).
  4. Enter How much each time, and choose How often: Weekly, Fortnightly, Monthly or Quarterly.
  5. Enter the date it Started. Leave Stopped empty if it is still running.
  6. Press Save the SIP, then Done.

Investments

Every investment, one row eachIn INR, the currency you will spend
InvestmentValueGainXIRR30 days
Nifty 50 index fundIndian mutual funds (AMFI) · Index fund₹25,000 a month₹16.5L₹16,50,000+₹3.5L11.4%
S&P 500 ETFNYSE · Equity ETF₹22.52L$27,000+₹5.84L14.3%
Nifty Next 50 ETFNSE · Equity ETF₹10L₹10,00,000+₹2L13.0%
Sovereign Gold BondNSE · Sovereign Gold Bond₹7L₹7,00,000+₹2L15.0%
FTSE 100 trackerLondon Stock Exchange · Equity ETF₹7.84L£7,000 · quoted in pence+₹1.12L8.1%

Not listed: ₹10,00,000 typed as one figure — counted in the plan, with no return to read until it is listed.

Typed once — a search, the units and the price you paid — then priced every weekday from the exchange’s own close. A SIP becomes a dated purchase each month. No broker login, no statement upload.

Listed holdings, one row each, with the SIP tagged on the fund that has one.

  • Nifty 50 index fund · ₹25,000 a month.
  • Value, gain and XIRR for each holding, in INR.
  • Not listed: ₹10,00,000 typed as one figure.

Illustrative figures — not anybody’s real plan.

How the instalments are filled in

  • Each instalment is priced at what the market did on the day.
  • When the scheduled day is a weekend or holiday, the purchase is dated to the next day with a price — as your statement will show it. The schedule itself stays on its own day.
  • Instalments are filled in up to today and never into the future, so the plan never counts units you have not bought yet.
  • Entries you added yourself are left alone; only the generated ones are rewritten when you change the SIP.

What a SIP does not do

The SIP records what you have invested so far. Future saving is already in the projection: whatever is left of your income after spending and loan payments is treated as saved each year. So do not also enter a SIP as a living expense, or the same money is counted as spent.

See this in your own plan.

Open Investments

Last reviewed 1 October 2026.