SIP, STP and SWP

If you invest in a mutual fund on a schedule, you don’t need to add each instalment by hand. Set up the plan once and Agni Folio records every instalment for you at the fund’s official NAV (the price the fund publishes each day).

Plan	What it does	Recorded as
SIP — Systematic Investment Plan	Puts a fixed amount into a fund regularly	A BUY each time
STP — Systematic Transfer Plan	Moves a fixed amount from one fund to another regularly	A linked SELL + BUY (a switch) each time
SWP — Systematic Withdrawal Plan	Takes a fixed amount out of a fund regularly	A SELL each time

Note

Plans work on mutual funds that have an ISIN (the 12-character code starting with INF on your statement). They are not available for ETFs.

Setting up a plan

1. Open the fund’s detail page from your portfolio.
2. Next to Add Transaction, click Set up SIP, Set up STP or Set up SWP.
3. Fill in the form:

Field	What to enter
Into (STP only)	The fund to move money into. It must be another mutual fund you hold, in the same currency
Amount each time	The amount per instalment
How often	Monthly, Weekly, Every 2 weeks, or Every 3 months
Day of the week / Day of the month	When each instalment falls. If you pick a day after the 28th, shorter months use their last day
First instalment on or after	The start date
Keep going	Until I stop it, For a number of instalments, or Until a date

4. Check the summary line — for example “Adds ₹5,000 to Fund on the 5th of every month” and the next date — then click Start SIP, Start STP or Start SWP.

Plans that started in the past

If your start date is before today, the form asks what to do with the instalments that already fell due:

• Add the past instalments — records each one at the fund’s price on its own date. Pick this if you haven’t entered them yet.
• They’re already recorded — skips them. Pick this if you already added them, for example through an import.

Tip

Just imported a statement? After you confirm the import, a Set up SIP from these button appears for regular investments it recognises, so you can turn them into a plan in one step.

How instalments get recorded

Every night at 11:30 pm India time, Agni Folio brings each running plan up to date.

• Price used — the fund’s official NAV for the instalment date. On weekends and holidays, the next published NAV is used, and the transaction is dated that day.
• NAV not out yet — the plan shows Waiting for the fund price and catches up once the price is published.
• No NAV for 30 days — the plan pauses itself, since the fund may have merged or closed.
• Not enough units (STP and SWP) — that date is marked Skipped — not enough units and nothing is sold. An SWP finishes once the fund has no units left.

You get one notification per run, such as “3 SIP instalments added”.

Managing a plan

All your plans appear under Ongoing plans — on the fund’s detail page and on your main portfolio view. Each plan card has these actions:

Action	What it does
Add due instalments now	Records anything due without waiting for tonight’s run (Record due withdrawals now for an SWP)
Pause / Resume	Stops and restarts instalments
Change amount	Changes future instalments only; past ones keep their amount
Stop	Ends the plan for good. A stopped plan can’t be restarted — set up a new one instead
Delete	Removes the plan. You can choose to keep its past instalments as normal transactions
Instalments	Lists every instalment. You can undo any single one, and an undone instalment is never added back

A plan’s status is one of: Running, Waiting for the fund price, Paused, Stopped or Finished.

Using Astra or your own AI

You can also ask Astra, or an AI assistant connected through MCP, to “start a ₹10,000 monthly SIP in my Parag Parikh fund on the 5th”, or to pause, stop or change a plan. As with any change Astra makes, you confirm it before it’s saved.

What’s next

• Fund Switch — a one-time move between two funds
• Transactions — where each instalment shows up