Valuations are checked before every instalment
Each month, relative market valuations decide how much of your SIP belongs in the share market. No fixed percentage, no guesswork.
CashRich Investment App
Dynamic SIP maximises your returns in every market scenario.
Manage all your mutual fund investments in one place and reach your financial goals with CashRich. Dynamic SIP reads market valuations and adjusts every instalment for you, automatically.
★ 4.5 on App Store & Google Play3,50,000+ investorsAMFI registered distributor
The idea in one line
Buy more when markets are low. Hold back when they are high.
3,50,000+Investors on CashRich
₹1000 Mn+Invested through the app
4.5★App Store and Google Play
What is Dynamic SIP?
A SIP that reads the market before it invests.
Dynamic investing has one objective: optimum results during both the fall and the rise of the market. Instead of pushing 100% of every instalment into equity, Dynamic SIP splits it between equity funds and fixed-income debt funds based on relative market valuations.
Your money is split automatically
The instalment is allocated between market-linked equity funds and fixed-income liquid funds. Nothing for you to time, track or trigger.
More units when markets fall
When markets correct, more of your instalment buys equity at lower prices. It is the buy-low discipline most investors never manage on their own.
How it works
One market cycle, through a Dynamic SIP.
Real allocation decisions from the 2020 cycle, for a ₹10,000 monthly SIP. This is what “dynamic” means in practice.
JAN 2020·
Markets at record highs
With the SENSEX expensive, only ₹1,000 (10%) went to equity. The remaining ₹9,000 waited safely in fixed-income liquid funds.
FEB 2020·
Still expensive
Valuations eased slightly, so the allocation moved to 15%. The SIP stayed invested, just not overexposed.
MAR 2020·
The COVID crash
With valuations suddenly low, Dynamic SIP allocated 70% to equity, buying units at prices a normal SIP had been buying all along the way down.
AFTER✓
The recovery does the rest
Units bought in the crash compounded through the rebound. That is how Dynamic SIPs earned better than normal SIPs through the same cycle.
Why invest with CashRich
Powerful algorithms. A human team behind them.
CashRich is a venture-funded fintech, selected by the Government of Maharashtra as one of its top innovative fintech startups. A simple, intuitive app in front, personalised to your profile and goals, with decades of investment experience behind it.
Secured transactions
Your money moves directly between your bank account and the mutual fund house, over BSE's secure platform. CashRich never holds it.
One-tap withdrawal
Withdraw securely into the bank account associated with CashRich, anytime, from the app.
Free portfolio review
Choose to have your existing investments reviewed for maximum benefit, free.
Dedicated relationship manager
Plan your investments with relationship managers who bring 20 years of market experience.
24/7 chat support
Get queries resolved with instant, in-app chat support.
No lock-in, full flexibility
Stop, pause, change the scheme or change the SIP amount anytime. Withdraw anytime.
“When the market went down 15–20% around October 2018, my normal SIPs were in loss, but my Dynamic SIP was up 10%, because it also held fixed-income investments.”
Chhavi Khalsa★★★★★
“The COVID crash showed me how this works. Dynamic SIP invested more automatically in April 2020, and some of those investments doubled in a year.”
Hira Mukul Shan★★★★★
Questions, answered
Dynamic SIP, explained.
What is the difference between a SIP and a Dynamic SIP?
In a normal SIP, 100% of every instalment goes into the market regardless of conditions. A Dynamic SIP splits each instalment between fixed-income instruments and share-market investments based on market valuations, so you fetch more units when markets are down, keep an emergency cushion in debt funds, and earn better over a normal SIP.
Why should I invest in a Dynamic SIP?
Dynamic SIPs are not affected by volatility as much as normal SIPs. The debt-equity allocation responds to market factors, which helps improve the overall performance of your investments across a full market cycle.
Why is the minimum recommended amount ₹10,000?
₹10,000 a month is the recommended starting point because the equity-debt split works on each instalment; at that size the allocation produces meaningful results over time.
What is the risk factor?
All mutual funds and other investments are subject to market risks. Dynamic SIP manages exposure to those risks; it does not remove them. Read all scheme related documents carefully before investing.
Can I withdraw or stop my investment anytime?
Yes. There is no lock-in. You have complete freedom to pause or stop your Dynamic SIP, change the amount, or withdraw from the app anytime.
How is a Dynamic SIP better than a fixed deposit?
Compared with an FD, a Dynamic SIP offers higher flexibility, the advantage of diversification across equity and debt, better tax efficiency, and higher return potential, while its fixed-income portion still provides stability.
Media coverage
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Independent coverage from publications shaping India's business and technology conversation.
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