SIP vs Mutual Funds for a 22YO Fresher Earning 45k/month – Beginner Investment Advice Needed

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I’m new to investing and confused between SIP and mutual funds.
Which one should I prefer as a beginner for long-term wealth building? Also, how much should I start with monthly?

My situation:

  • Fresher working as a Data Scientist in Delhi
  • Salary: ₹45k/month
  • Give ₹15k-20k to my mom
  • Living with parents, so no major expenses
  • Left with around ₹25k-30k
  • Completely new to investing

ha bhai yeh gpt se likhvaya hai.

Posted May 12, 2026, 2:41 PM UTC

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