What Is
SIP Investment?
A Systematic Investment Plan (SIP) lets you invest a fixed amount weekly, fortnightly or monthly into mutual funds.
For NRIs and overseas Indian investors, SIPs (Recurring Orders) are ideal for achieving important financial goals such as:
Why
SIP Plans
Are Popular for
NZ Investors
with easy online setup
that suits your budget
through rupee cost averaging
with the power of compounding
mutual/managed fund market
like retirement and family planning
Which SIP Plan Is Right for You?
Choosing the right SIP (Recurring Orders) plan depends on how much risk you are comfortable taking and what your long-term financial goals are. Whether you want stable returns or higher growth potential, there is a SIP (Recurring Orders) option that fits your investment style.
Large Cap SIP Funds
Best for investors who prefer stable, relatively low-risk growth. These funds invest in well-established companies with strong market presence, making them ideal for long-term wealth creation with less volatility.
Best for:
- first-time investors
- retirement planning
- family financial goals
- low-risk NRI investors
Flexi Cap SIP Funds
A great option for balanced growth. These funds invest across large-cap, mid-cap, and small-cap companies, giving you a mix of stability and growth opportunities.
Best for:
- long-term wealth building
- balanced risk appetite
- NRIs looking for diversified SIP investments
Mid Cap SIP Funds
Suitable for investors willing to take moderate risk for potentially higher returns. These funds invest in growing companies that may offer strong long-term capital appreciation.
Best for:
- wealth creation over 5–10+ years
- investors comfortable with market fluctuations
- higher growth goals
Small Cap SIP Funds
Ideal for investors seeking maximum long-term growth potential and who can stay invested through market ups and downs. These funds can deliver strong returns over longer periods but may be more volatile in the short term.
Best for:
- long investment horizon
- high-risk appetite
- aggressive wealth creation
Investing in mutual funds involves market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
Why Investors Choose Icarus Wealth
Simple & Stress-Free Investing
We handle the complexities so you can invest with confidence and peace of mind.
Transparent Currency Exchange
Clear, upfront FX rates with no hidden markups or surprises.
Focused Choices, Not Endless Lists
Curated, high-quality fund options aligned with your goals.
Built for Long-Term Growth
We focus on strategies that aim to build sustainable wealth over time.
18+ Years of Cross-Border Expertise
Deep understanding of NZ–India investment landscape since 2007.
Professional Credibility You Can Verify
Our credentials and track record are open and trusted.
Quality Over Speed
We prioritize careful decisions over quick, impulsive moves.
Reviewed by Founder &
Cross-Border Wealth Specialist
18+ years experience
across
India, Australia, and New Zealand
18+ Years
Cross-Border
Experience
Registered
NZ Financial
Service Provider
Trusted by
Hundreds of
Investors
Transparent
Process. Clear
Communication.
How Much Can Your SIP
(Recurring
Orders) in India
Grow in 10 Years?
See how your monthly investment can grow over 10 years with the power of compounding.
| Monthly SIP | Total Invested (10 Years) |
Estimated Value @ 10% |
Estimated Value @ 12% |
Estimated Value @ 15% |
|---|---|---|---|---|
| NZ$100 (₹5,000) | NZ$12,000 (₹6,00,000) |
NZ$20,491 (₹10.24 L) |
NZ$23,234 (₹11.62 L) | NZ$27,869 (₹13.94 L) |
| NZ$200 (₹10,000) | NZ$24,000 (₹12,00,000) |
NZ$40,983 (₹20.48 L) |
NZ$46,468 (₹23.23 L) | NZ$55,738 (₹27.87 L) |
| NZ$500 (₹25,000) | NZ$60,000 (₹30,00,000) |
NZ$102,457 (₹51.20 L) |
NZ$116,169 (₹58.08 L) | NZ$139,346 (₹69.68 L) |
| NZ$1,000 (₹50,000) | NZ$120,000 (₹60,00,000) |
NZ$204,914 (₹1.02 Cr) |
NZ$232,338 (₹1.16 Cr) | NZ$278,692 (₹1.39 Cr) |
Figures are indicative estimates based on long-term market assumptions and current INR–NZD conversion rates. Actual returns may vary.
How to Start Investing from New Zealand to India
— Step 1
Open Your Account
Start with a simple onboarding process designed for New Zealand investors.
- Guided account setup
- KYC and documentation support
- Fully aligned with NZ regulatory requirements
— Step 2
Transfer Funds with Transparent FX
Move your money from New Zealand to India through a fully transparent process.
- Clear NZD → INR conversion
- No hidden FX margins
- Full visibility on how your money is transferred
— Step 3
Invest in Indian Markets
Once funds are transferred, your capital is deployed into regulated Indian market instruments.
- Access Indian-listed securities through a compliant structure
- Invest in line with your selected strategy
- Managed through a regulated cross-border framework
— Step 4
Track and Monitor
Stay informed with a simple, centralized investment view.
- View your portfolio in one place
- Track performance clearly
- No complex dashboards or confusing data
Trusted by Indian Families in New Zealand
"I finally found a simple way to invest back home without worrying about hidden FX charges."
Priyanka
"The consultation process was transparent and easy."
Pratik
"I appreciate the clear communication and full visibility at every step."
Neha
"A reliable way to invest in India while living in New Zealand."
Rohit
Benefits of Starting a SIP in India from New Zealand
SIP investments offer NRIs in New Zealand a simple and disciplined way to grow wealth in India while staying aligned with long-term financial goals.
Start Small, Grow Big
You don't need a large amount to begin. Start from ₹5000–₹10,000 (NZ$100–NZ$200) per month and gradually increase as your income grows.
No Need to Time the Market
With SIPs (Recurring Orders), you invest a fixed amount every month, which helps reduce the risk of entering the market at the wrong time.
Benefit from Compounding
The earlier you start, the more your money can grow over time through the power of compounding.
Easy Monthly Investing from NZ
Convert a portion of your monthly NZ income into long-term wealth in India through a simple and transparent investment process.
Goal-Based Wealth Creation
Perfect for goals such as retirement planning, children's education, family security, and future property purchase in India.
Diversify Across Markets
SIP (Recurring Orders) investments allow you to diversify part of your wealth into India's growing economy while earning in New Zealand.
Confused About NRI Tax Rules?
We've Got You Covered
When investing in SIP mutual funds in India from New Zealand, understanding tax rules is important. We help make the process simple so you can invest with confidence.
Tax on SIP (Recurring Orders) Returns
When you redeem your SIP (Recurring Orders) investments, returns may be subject to capital gains tax and TDS in India, depending on the fund type and how long you stay invested.
For example:
- Short-term gains may attract tax
- Long-term gains may be taxed at applicable rates
- TDS may be deducted at redemption
Double Taxation Relief
As a New Zealand-based NRI, you may be eligible for DTAA benefits, helping ensure that the same income is not taxed twice in India and New Zealand.
DTAA Benefits
Your SIP Investment Questions, Answered
- large cap funds for stability
- flexi cap for balanced growth
- mid cap for higher growth
- small cap for aggressive investors
However, exit load and tax implications may apply depending on when you withdraw.
Disclaimer:
Example funds are for illustration only. No recommendation is being made. Past performance is not indicative of future results. Investments carry risk. Investments in overseas markets, including India, involve additional risks such as currency fluctuations, regulatory differences, and tax implications.