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SIF minimum investment rule: How is the ₹10 lakh threshold calculated for an investor? Experts weigh in
Mint 1 hr ago·2 Sept 2026, 4:23 pm
The Securities and Exchange Board of India (SEBI) mandates a minimum investment of ₹10 lakh for Systematic Investment Funds (SIFs). This rule applies to investors at the PAN level, meaning the total investment across all SIF strategies managed by the same Asset Management Company (AMC) must meet this threshold. Importantly, investors are not required to invest this entire amount in a single strategy. They can split their capital across multiple schemes, provided the combined total meets the ₹10 lakh requirement.
This rule is significant because it ensures a minimum capital commitment from investors, which helps fund managers maintain a stable corpus for their strategies. For retail investors, it is crucial to understand that if their total investments across all SIFs with one AMC drop below ₹10 lakh, they may face restrictions on further investments or withdrawals. Investors should review their portfolio holdings to ensure they remain compliant with this regulation.
Excerpt from Mint
SIFs have a ₹ 10 lakh minimum investment requirement, but investors need not put the entire amount in one strategy. The threshold is calculated across SIF strategies of the same AMC at the PAN level. Here’s how SIP, SWP, STP, exemptions and breaches work. A Specialised Investment Fund (SIF) has a minimum investment…Read the original at Mint
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