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    <title>Sip on CHANDRAS EDU</title>
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      <title>FII Selling Hits ₹44,000 Cr: What It Means for Your SIP</title>
      <link>https://chandrashaker.com/posts/fii-selling-india-sip-mutual-funds-2026/</link>
      <pubDate>Wed, 07 Oct 2026 00:00:00 +0000</pubDate>
      <guid>https://chandrashaker.com/posts/fii-selling-india-sip-mutual-funds-2026/</guid>
      <description>&lt;p&gt;Foreign investors sold ₹44,013 crore of Indian shares in September. On October 7, the RBI raised interest rates for the first time in nearly four years. The Nifty 50 fell for eight weeks in a row through last week.&lt;/p&gt;&#xA;&lt;p&gt;If you have a SIP running, you have probably asked yourself one question this week: &lt;strong&gt;should I stop it?&lt;/strong&gt;&lt;/p&gt;&#xA;&lt;p&gt;This post explains what is actually happening, in simple language, using real numbers from published sources. It also covers what it means for your mutual funds, and what you can calmly do about it. &lt;em&gt;All data is as of October 7, 2026, and it changes daily.&lt;/em&gt;&lt;/p&gt;</description>
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      <title>SIP vs Lump Sum: Which One Really Wins in India? (2026 Data)</title>
      <link>https://chandrashaker.com/posts/sip-vs-lump-sum-investing-india/</link>
      <pubDate>Sun, 13 Sep 2026 00:00:00 +0000</pubDate>
      <guid>https://chandrashaker.com/posts/sip-vs-lump-sum-investing-india/</guid>
      <description>&lt;p&gt;You have ₹1,00,000 to invest. Do you put it in all at once, or spread it out through a SIP over the next few months?&lt;/p&gt;&#xA;&lt;p&gt;Ask a mutual fund distributor and you&amp;rsquo;ll hear: &amp;ldquo;Do SIP, it protects you from market ups and downs.&amp;rdquo;&lt;/p&gt;&#xA;&lt;p&gt;Ask someone who follows the data and you&amp;rsquo;ll hear: &amp;ldquo;Lump sum wins, because your money gets more time in the market.&amp;rdquo;&lt;/p&gt;&#xA;&lt;p&gt;Both are partly right. But they&amp;rsquo;re both skipping one simple question — the one that actually decides the answer for you:&lt;/p&gt;</description>
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      <title>Mutual Fund Sahi Hai? Or Is an Index Fund Better?</title>
      <link>https://chandrashaker.com/posts/mutual-funds-vs-index-funds-india/</link>
      <pubDate>Fri, 04 Sep 2026 00:30:00 +0530</pubDate>
      <guid>https://chandrashaker.com/posts/mutual-funds-vs-index-funds-india/</guid>
      <description>&lt;p&gt;&lt;strong&gt;84% of large-cap active funds in India failed to beat their own benchmark over 10 years.&lt;/strong&gt; That&amp;rsquo;s not a hot take — it&amp;rsquo;s S&amp;amp;P&amp;rsquo;s own scorecard. I&amp;rsquo;ll show you the exact numbers below.&lt;/p&gt;&#xA;&lt;p&gt;&lt;em&gt;&amp;ldquo;Mutual Fund Sahi Hai.&amp;rdquo;&lt;/em&gt; You&amp;rsquo;ve heard that line more times than you can count — on TV, on YouTube pre-rolls, maybe from a relative who &amp;ldquo;does SIPs.&amp;rdquo; It&amp;rsquo;s a good campaign. It got an entire country investing instead of only buying gold and fixed deposits.&lt;/p&gt;</description>
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