SIP ₹1 Lakh Per Month: Portfolio Allocation and Rebalancing (2026)
For ₹1 lakh per month SIP, a practical allocation is 60–70% equity (₹60,000–₹70,000) and 30–40% debt (₹30,000–₹40,000), with equity spread across large/multi, mid, and small cap. Rebalance at least once a year or use a curated mutual fund basket that rebalances for you.
Quick steps
- Fix equity–debt (e.g. 65:35 for 5–10 year goal).
- Split equity: ~50% large/multi, 25% mid, 25% small.
- Choose 4–5 funds or one investment basket.
- Rebalance yearly or rely on basket rebalancing.
Example allocation (65:35)
| Component | Amount | Role |
|---|---|---|
| Large/Multi | ₹32,500 | Core |
| Mid-cap | ₹16,250 | Growth |
| Small-cap | ₹16,250 | Growth |
| Debt | ₹35,000 | Stability |
| Total | ₹1,00,000 |
When and how to rebalance
- When: At least once a year; or when equity or debt drifts by 5–10% from target.
- How: Redeem from overweight and add to underweight, or add new SIP in underweight. With a curated basket, the platform may rebalance automatically.
Why consider a basket for ₹1 lakh SIP
Baskets can handle multi-cap equity and debt with periodic rebalancing, so you avoid managing 4–5 SIPs and rebalancing manually. Explore RevenUmf's investment baskets.
Frequently Asked Questions
What allocation for ₹1 lakh per month SIP? 60–70% equity and 30–40% debt is common; split equity across large, mid, and small cap.
How often to rebalance ₹1 lakh SIP? At least once a year; or when allocation drifts 5–10% from target. With a basket, rebalancing may be automatic.
Where can I invest ₹1 lakh SIP in a basket? RevenUmf offers curated mutual fund baskets with active rebalancing.
RevenUmf offers curated mutual fund baskets with active rebalancing so you don't need to pick individual funds. Explore our investment baskets here: https://revenumf.com/baskets
