At a glance

▸ Define SIPs against goals ("house down payment 2031"), not just funds
▸ Auto-debit with skip-on-insufficient-balance semantics
▸ Calendar-aware — never schedules on a holiday or non-settlement day
▸ Resumes the next debit cycle automatically, no manual fix needed
▸ Surfaces progress against the goal in plain rupees, not %

What it does

A SIP is meant to be unremarkable. You decide the amount, you decide the date, and the system handles the recurrence. Real-world SIPs break for boring reasons — short balance, bank holidays, weekend cutoffs, e-mandate expiry. Sthira’s scheduler is built for those failure modes specifically.

Every SIP belongs to a goal: a house, retirement, a sabbatical. The amount, the horizon, and the asset mix are all framed against the goal. When you open the app, you don’t see “your SIP into HDFC Index Fund returned 12.4% YoY.” You see “you are ₹4.2L into a ₹35L goal due in 2031, currently on track.”

If a debit fails, Sthira tries the next valid day, tells you why, and continues. No silent skips. No “we tried once, you missed it, sorry.”