How To SIP in US Stocks On INDmoney?

For years, investing in US stocks felt like something Indian investors would “do someday.” Apple, Google, Amazon, Microsoft, Nvidia were all familiar names, yet ownership felt distant. Not because the companies were hard to understand, but because the process felt complicated. Foreign brokers, paperwork, currency conversion, timing the market. It all sounded like too many moving parts.

That gap is slowly disappearing. Indian investors today do not just want exposure to global companies, they want consistency. They want a way to invest regularly, reduce timing risk, and build wealth in dollars without obsessing over market highs and lows. That is exactly where SIPs come in, now extended beyond mutual funds and into US stocks.

Let’s break down with this blog how SIPs in US stocks work on INDmoney, why they matter for long-term investors, and how you can start one step by step.

Why SIPs Matter Even More for US Stocks

SIPs are not just about convenience. They are about discipline. When markets are volatile, most investors struggle with timing. Buy too early and prices fall. Wait too long and the rally runs away. SIPs solve this by spreading investments over time.

This matters even more for US stocks because they operate in a different time zone, a different currency, and a different market cycle. Instead of trying to guess the right dollar rate or the perfect entry price, SIPs allow investors to participate steadily in global growth.

Over time, this approach helps smooth out both stock price volatility and currency fluctuations. This approach is precisely what is commonly referred to as dollar cost averaging.

What Does SIP in US Stocks Mean on INDmoney?

A SIP in US stocks on INDmoney allows you to invest a fixed amount at regular intervals into a chosen US stock or ETF. Just like a mutual fund SIP, the investment happens automatically based on the schedule you choose.

You decide:

• The stock or ETF
• The SIP amount
• The frequency weekly, monthly, or custom
• The duration or whether it continues indefinitely

Once set up, INDmoney handles execution, currency conversion, and allocation behind the scenes.

Step-by-Step: How to Start a SIP in US Stocks on INDmoney

Step 1: Open and Verify Your INDmoney Account

If you already invest in Indian stocks via INDmoney, you are halfway there. For US investing, a one-time digital setup is required, including basic KYC and foreign investment disclosures.

This is a regulated process and ensures your US stocks are held securely in your name.

Step 2: Add Funds to Your US Wallet

US stocks are bought in dollars, so your INR needs to be converted. INDmoney allows you to transfer funds digitally, after which they are converted to USD and reflected in your US wallet.

This conversion does not happen instantly like Indian stock trades, but that is normal. International transfers follow a different settlement process.

Step 3: Choose the Stock or ETF

Search for the US stock or ETF you want to invest in. Popular choices include large global brands, technology leaders, and broad market ETFs.

On the stock page, you will see the SIP option alongside the regular buy option.

Step 4: Set Your SIP

Enter the SIP amount, select the frequency, and choose the date. INDmoney also shows you an estimated dollar allocation so you know exactly how your money will be invested.

Confirm the SIP, and you are done.

Can You SIP in Fractional US Stocks?

Yes, and this is one of the biggest advantages. Many US stocks trade at prices that would otherwise require a large upfront investment. Fractional investing allows you to buy a portion of a stock instead of a full share. You can even start with as low as ₹500.

This means your SIP amount works efficiently, regardless of the stock price.

Why SIPs Help Manage Currency Risk

When you invest in US stocks from India, returns come from two sources: stock performance and currency movement. SIPs help average out currency impact over time.

Instead of converting all your money at one exchange rate, SIPs spread conversions across months or years. This reduces the risk of entering at an unfavourable rate and adds stability to long-term returns.

Who Should Consider SIPs in US Stocks?

SIPs in US stocks make sense for:

• Long-term investors looking to diversify globally
• Investors earning in INR but planning future dollar expenses
• Those who want exposure to global technology and innovation
• Anyone who prefers automation over market timing

They are less suitable for short-term trading or tactical bets.

The Bigger Picture: Building Global Wealth Gradually

SIPs work because they remove emotion from investing. Extending this discipline to US stocks allows Indian investors to participate in global growth without complexity.

You do not need to predict the next market move. You just need consistency.

Over time, small, regular investments in strong global businesses can quietly compound into meaningful dollar wealth. And with SIPs in US stocks on INDmoney, that process becomes simple, structured, and sustainable.

Disclaimer:

Global Access is offered in tie-up with US SEC registered broker dealer. Relevant SEC and FINRA fees apply. Please be informed that US stocks are not Exchange traded funds and all disputes related to US stocks services will not have access to the Rights of investors or investor protection; Dispute resolution mechanism; and Investor grievance redressal mechanism of the recognized stock exchanges in the IFSC or in India. INDmoney Global will not incur personal financial liability in relation to or arising from any claims, disputes or issues pertaining to remittance, and/or other banking facilities. The securities are quoted as an example and not as a recommendation. Logos above are the property of respective trademark owners and by displaying it INDmoney Global has no right, title, interest over it. INDmoney Global (IFSC) Private Limited, Office No. 507, 5th Floor, Pragya II, Block 15-C1, Zone-1, Road No. 11, Processing Area, GIFT SEZ, GIFT City, Gandhinagar – 382355.