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A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in a mutual fund scheme. It allows you to invest systematically and benefit from rupee cost averaging over time.

Equity mutual funds predominantly invest in stocks of companies and are suited for long-term growth. Debt mutual funds invest in fixed income instruments like government securities and corporate bonds, generally offering more stability but potentially lower long-term returns compared to equity.

In open-ended mutual funds, you can generally redeem your investments on any business day. However, certain funds like ELSS (Equity Linked Savings Scheme) have a mandatory lock-in period of 3 years. Exit loads may apply depending on the holding period and the specific scheme.