Frequently asked questions

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals. It brings discipline, averages your purchase cost through market ups and downs, and helps you build wealth over time with small contributions.

Many mutual fund schemes accept SIPs starting at ₹500 per month. You can choose an amount that fits your cash flow and increase it later as your income grows.

Yes. Equity-Linked Savings Schemes (ELSS) qualify for tax deduction under Section 80C up to ₹1.5 lakh in a financial year, with a potential tax saving of up to ₹46,800 in the highest slab. ELSS also has the shortest lock-in (3 years) among 80C options.

Yes. Most SIPs can be paused, the amount can be stepped up, and the SIP can be stopped through the Investwell portal or by contacting us directly. There is usually no penalty for stopping after the first few instalments, depending on the scheme terms.

No. Mutual fund investments are subject to market risks. SIPs help reduce timing risk but do not eliminate market risk. Read all scheme related documents carefully before investing.

A Demat (dematerialised) account holds shares, ETFs, bonds and other securities electronically. It is required if you want to buy or sell stocks directly on the exchange.

No. Mutual fund units are held separately through the fund house or transfer agency and reflected in your consolidated account statement. A Demat account is only needed if you want to invest directly in equities, ETFs or bonds.

You typically need PAN, Aadhaar, a passport-size photograph, bank proof (cancelled cheque or statement), signature proof and, in some cases, income proof for derivatives trading. The entire process is digital.

Once documents are uploaded and verified, the account is usually activated within 24–48 hours. We guide you through each step as an Authorised Person of SMC Global Securities Ltd.

Use the digital account-opening link on our Services or Contact page. After submitting details online, our team will verify your documents and activate the account.

Existing investors can log in through the Investwell portal. Use your registered mobile number or email and password.

Yes. On the login screen you can request an OTP to your registered mobile number and log in without entering a password.

Click 'Forgot password?' on the login screen and follow the reset link sent to your registered mobile number or email. If you still face issues, WhatsApp us and we will help.

New clients can complete digital KYC and create an account online. The process takes a few minutes and requires PAN, Aadhaar and bank details.

Investwell uses bank-grade encryption and secure login practices. SK Investment does not store your Investwell password or OTP. If you ever receive a suspicious request, contact us immediately.