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15 Best SIP Plans to Invest for Next 10 Years

Systematic Investment Plans (SIPs) in mutual funds are a powerful tool for building wealth over the long term. Perfect for both novice and seasoned investors, SIPs offer a disciplined and relatively less risky approach to entering the equity market. Over 10 years, SIPs can leverage the power of compounding and market timing, making them ideal for achieving various long-term financial goals. This guide will explore what SIPs are along with some of the best SIP plans for the next decade, helping you to make informed investment choices. Keep reading to know about the 15 best SIPs for 10 years. 

What are SIP Plans?

Systematic Investment Plans, or SIPs, are a method of investing in mutual funds. They allow investors to invest a fixed amount regularly – monthly or quarterly – in a chosen mutual fund scheme. Here's why SIPs are essential to modern investment strategies:

Characteristics of SIP Plans

  • Disciplined Investing: SIPs encourage regular and disciplined investing, which is key to long-term financial success.
  • Rupee Cost Averaging: By investing a fixed amount regularly, you purchase more units when prices are low and fewer units when prices are high, averaging out the cost of investment.
  • Convenience: SIPs automate the investment process, making it hassle-free and easy to track.
  • Flexibility: Investors can start with a small amount and increase the SIP amount as their income grows. They can also stop or pause the SIP at their convenience.
  • Diversification: Investing in mutual funds through SIPs inherently provides diversification, spreading the risk across different assets and sectors.

Suitability

  • Ideal for Long-Term Goals: SIPs are best suited for long-term financial goals like retirement planning, children’s education, or buying a home.
  • For Investors of All Types: Whether you are a conservative or an aggressive investor, there’s a SIP for every risk profile, depending on the choice of the mutual fund.
  • Market Fluctuations Mitigation: The regular and periodic nature of SIP investments helps in mitigating the impact of market volatility.

SIPs represent a smart investment strategy, especially when considering a time frame of 10 years. They offer a balanced approach to wealth creation, combining the benefits of regular investing, market timing, and compounding.

15 Best SIP plans for 10 years



Wondering about the best SIP to invest for 10 years? 

1. Aditya Birla Sun Life Digital India Fund

The Aditya Birla Sun Life Digital India Fund is an attractive choice for investors looking to leverage the growth potential in India's digital and technology sector. This fund primarily invests in companies engaged in IT, telecom, e-commerce, and other digital-themed businesses, making it a compelling option for a 10-year SIP investment.



Category

Aspect

Description

Key Features

   
 

Sector Focus

Invests primarily in stocks of companies in the digital and technology sector, including IT, telecommunications, and e-commerce.

 

Growth Potential

Poised to benefit from India's rapidly growing digital economy and technology trends.

 

Expert Management

Managed by experienced fund managers with expertise in the technology sector.

Performance

   
 

Consistent Returns

Historically delivered consistent returns, often outperforming its benchmark.

 

Long-Term Growth

Focus on the growing technology sector positions it well for long-term capital appreciation.

Risks

   
 

Sector Concentration

High concentration in the digital and technology sector may lead to increased volatility.

 

Market Volatility

Subject to market risks, can experience short-term fluctuations as an equity-oriented fund.

Suitability for a 10-Year SIP

   
 

Ideal for Tech-Savvy Investors

Suitable for those interested in the technology sector and seeking focused exposure.

 

Risk Appetite

Appropriate for investors with moderate to high-risk appetite, given its sector-focused and equity nature.

 

Long-Term Investment Horizon

Well-suited for a 10-year SIP, aligning with the long-term growth potential of India's digital and technology sector.



The Aditya Birla Sun Life Digital India Fund presents a unique opportunity for investors to tap into the potential of India's rapidly growing digital and technology sector through SIPs. Its sector-specific focus, coupled with the long-term growth prospects of the industry, makes it an appealing choice for the next decade.

2. Franklin India Technology Fund

The Franklin India Technology Fund is another notable option for investors looking to capitalise on the growth of the technology sector in India. This fund focuses on investing in technology and technology-dependent companies, offering a diversified portfolio within the tech space.



Category

Aspect

Description

Key Features

   
 

Diverse Technology Portfolio

Invests in a broad range of technology and tech-enabled companies across various sectors.

 

Long-Term Growth Focus

Positioned to benefit from long-term growth trends in the digital and technological aspects.

 

Experienced Management

Managed by Franklin Templeton, renowned for robust investment processes and an experienced team.

Performance

   
 

Consistent Long-Term Performance

Strong track record of delivering returns over the long term, suitable for a 10-year horizon.

 

Adaptability to Market Trends

Capable of adapting to and capitalising on emerging technological trends and innovations.

Risks

   
 

Sector Concentration Risk

Bears the risk of concentration in the tech sector, leading to sector-specific market fluctuations.

 

Equity Market Volatility

Subject to stock market fluctuations, impacting short-term performance.

Suitability for a 10-Year SIP

   
 

Investors with a Tech Focus

Ideal for investors bullish on the technology sector’s future growth potential.

 

Moderate to High Risk Appetite

Suitable for those willing to tolerate higher volatility for the potential of higher returns.

 

Long-Term Capital Growth

Compelling for investors seeking long-term capital growth in the burgeoning tech industry through SIP.




The Franklin India Technology Fund offers an opportunity for investors to gain exposure to the burgeoning technology sector. Its strategic focus on tech and tech-enabled companies makes it a promising option for SIPs, particularly for those with a 10-year investment horizon and an interest in the technology domain.

3. ICICI Prudential Technology Fund

The ICICI Prudential Technology Fund is a sectoral fund that primarily invests in technology and related sectors, making it an appealing option for investors looking to capitalise on the growth potential of the tech industry in India. This fund is a part of ICICI Prudential's diverse mutual fund offerings.



Category

Aspect

Description

Key Features

   
 

Sector Focus

Primarily invests in the technology sector, including IT, telecom, and electronics companies.

 

Growth Potential

Positioned to benefit from growth and innovation in the rapidly expanding technology sector.

 

Diversification within Tech Sector

Spans various sub-segments within technology, offering a diversified approach within this niche.

 

Experienced Fund Management

Managed by ICICI Prudential, noted for its strong research and investment strategies, led by seasoned managers.

Performance

   
 

Track Record of Returns

Demonstrated ability to deliver robust returns, especially over longer investment horizons.

 

Response to Market Trends

Agile in adapting to emerging trends and technological advancements in the tech sector.

Risks

   
 

Sector-Specific Volatility

Higher volatility and risks associated with the concentration in the technology sector.

 

Market Fluctuations

Performance is subject to stock market ups and downs, as typical with equity investments.

Suitability for a 10-Year SIP

   
 

Ideal for Tech Optimists

Best for investors bullish on the long-term growth and impact of the technology sector.

 

Risk Tolerance

Suitable for those with moderate to high-risk appetite, ready to face sector-specific challenges.

 

Long-Term Investment Horizon

Well-suited for a 10-year SIP to leverage the potential growth trajectory of the technology sector.




The ICICI Prudential Technology Fund presents an opportunity for investors to tap into the potential growth of the technology sector in India. Its emphasis on a key industry poised for growth makes it a strategic choice for SIPs, particularly for those with a long-term investment perspective.

4. PGIM India Global Agribusiness Offshore Fund

The PGIM India Global Agribusiness Offshore Fund offers an opportunity to invest in a specialised sector - agribusiness, at a global scale. This fund invests in overseas equities and equity-related securities of companies engaged in agriculture and allied activities, making it a unique choice for diversified SIP investment.



Category

Aspect

Description

Key Features

   
 

Global Exposure

Invests in global agribusiness companies, offering international market exposure and diversification.

 

Sectoral Focus

Concentrates on the agribusiness sector, including agriculture, food production, machinery, and fertilisers.

 

Growth Potential

Potential growth due to increasing global demand for food and agricultural products.

 

Managed by PGIM India

Managed by PGIM India, recognised for diversified portfolio and offshore investment expertise.

Performance

   
 

Long-Term Growth Prospects

Positioned for potential long-term growth, fundamental to global needs.

 

Performance Track Record

Important to review the fund’s performance history in various market conditions.

Risks

   
 

Sectoral Risks

Exposed to risks like commodity price fluctuations, environmental factors, and government policies.

 

Currency Risk

Bears currency risk, impacting returns for Indian investors in offshore investments.

 

Geopolitical and Economic Risks

Susceptible to international geopolitical and economic events due to global exposure.

Suitability for a 10-Year SIP

   
 

Diversified Global Investment

Suitable for portfolio diversification with global and thematic focus.

 

Moderate to High-Risk Appetite

Ideal for investors comfortable with moderate to high risk in sector-specific global opportunities.

 

Long-Term Wealth Creation

Intriguing for long-term wealth creation through SIPs, given its focus on a vital global sector.



The PGIM India Global Agribusiness Offshore Fund stands out for its unique sectoral focus and global investment approach. It offers a distinct diversification opportunity for investors participating in SIPs, particularly for those with a 10-year investment horizon and an interest in global agribusiness trends.



5. SBI Technology Opportunities Fund

The SBI Technology Opportunities Fund is a sector-specific fund focusing on the technology sector, making it a compelling choice for investors looking to tap into the potential of technology and related industries. Given the rapid pace of technological advancement, this fund offers an opportunity to invest in a sector that is at the forefront of innovation and growth.



Category

Aspect

Description

Key Features

   
 

Sector-Specific Investment

Focuses on stocks in the technology sector, including IT, telecom, and electronics.

 

Growth Potential

Poised to benefit from the growth and advancements in the tech sector.

 

Diversified Tech Portfolio

Invests across a range of technology companies, from industry giants to emerging players.

 

Experienced Fund Management

Managed by State Bank of India’s mutual fund arm, led by professionals knowledgeable in the tech sector.

Performance

   
 

Track Record

Performance should be reviewed over various market cycles for resilience and growth assessment.

 

Long-Term Prospects

Well-positioned for long-term growth, suitable for a 10-year investment period.

Risks

   
 

Sector Concentration Risk

Higher volatility due to concentration in the technology sector.

 

Market Risks

Subject to general market risks affecting short-term performance.

Suitability for a 10-Year SIP

   
 

Tech Sector Enthusiasts

Ideal for investors optimistic about the long-term growth of the technology sector.

 

Moderate to High Risk Appetite

Suitable for investors comfortable with moderate to high risk, given the sector's volatility.

 

Long-Term Growth Focus

A good fit for those focusing on long-term capital growth in the dynamic technology industry.



The SBI Technology Opportunities Fund presents an opportunity to invest in a high-growth sector through SIPs. Its focus on technology and related industries makes it an attractive option for investors with a long-term horizon and an interest in the evolving tech area.

6. TATA Digital India Fund

The TATA Digital India Fund is a sectoral fund that specifically invests in the technology sector, primarily targeting companies in the digital and IT space. This fund is designed for investors who wish to capitalise on the rapid growth and innovation in the Indian technology sector.



Category

Aspect

Description

Key Features

   
 

Focus on Digital and IT Sector

Primarily invests in stocks of companies in the digital and IT sector, including software, hardware, and electronics.

 

Potential for High Growth

Positioned to benefit from the rapid growth of India's IT and digital sector.

 

Diversified within the Tech Sector

Maintains a diversified portfolio within the technology sector, from large-cap to mid-cap companies.

 

Managed by TATA Mutual Fund

Noted for robust management and research, TATA Mutual Fund brings expertise to the Digital India Fund.

Performance

   
 

Strong Sectoral Performance

The technology sector's robust performance bolsters the fund's appeal for long-term growth.

 

Track Record

Important to review the fund's historical performance across different market conditions.

Risks

   
 

Sector-Specific Risk

Higher degree of volatility and sector-specific risks due to focus on technology.

 

Market Risk

Subject to market fluctuations, impacting short-term performance.

Suitability for a 10-Year SIP

   
 

Investors with a Focus on Technology

Suitable for investors bullish on the long-term growth of India's digital and IT sector.

 

Risk Tolerance

Ideal for those with moderate to high-risk appetite, prepared for tech sector volatility.

 

Long-Term Investment Horizon

Compelling for a 10-year SIP, aligning with the dynamic and growing digital and IT industry.



The TATA Digital India Fund offers investors an avenue to invest in a sector that is at the forefront of innovation and economic growth. Its focus on the burgeoning digital and IT industry in India makes it a strategic choice for investors looking to benefit from the sector's long-term potential through SIPs.

7. Mirae Asset Large Cap Fund

The Mirae Asset Large Cap Fund is a prominent option for investors seeking exposure to large-cap companies in India. This fund invests primarily in large-sized companies, which are generally well-established players in their respective industries. It's a compelling choice for those looking for stability combined with growth potential over a 10-year period.



Category

Aspect

Description

Key Features

   
 

Investment in Large-Cap Stocks

Focuses on companies with large market capitalisations, known for stability and consistent performance.

 

Balanced Growth and Stability

Offers a balance of growth and stability, with less volatility than mid and small-cap stocks.

 

Diversified Portfolio

Maintains a diversified portfolio across various sectors, reducing sector-specific risks.

 

Professional Management

Managed by Mirae Asset, leveraging the expertise of experienced fund managers and robust investment processes.

Performance

   
 

Consistent Long-Term Returns

Historically consistent returns, suitable for long-term investment strategies.

 

Resilience in Market Fluctuations

Shows resilience during market downturns, maintaining steady performance.

Risks

   
 

Market Risk

Subject to market fluctuations, impacting short-term performance.

 

Economic Factors

Performance closely tied to broader economic conditions, influencing returns.

Suitability for a 10-Year SIP

   
 

Long-Term Growth Investors

Ideal for those seeking long-term capital appreciation with relatively lower risk.

 

Stable Investment Approach

Suitable for a more stable, less volatile investment journey, aligning well with a 10-year SIP plan.

 

Diversification within Equity Portfolio

An excellent option for diversifying an equity portfolio, complementing mid or small-cap fund investments.



The Mirae Asset Large Cap Fund offers an opportunity to invest in the cream of Indian corporates through a systematic investment plan. Its focus on large-cap stocks makes it a prudent choice for investors seeking steady growth with lower volatility over a 10-year horizon.

8. ICICI Prudential Bluechip Fund

The ICICI Prudential Bluechip Fund is a well-regarded option for investors looking to invest in large-cap stocks through a Systematic Investment Plan (SIP). This fund focuses on blue chip companies, which are market leaders known for their stability and consistent performance.



Category

Aspect

Description

Key Features

   
 

Large-Cap Focus

Invests predominantly in blue-chip (large-cap) stocks, representing top companies in market capitalisation.

 

Stability and Growth

Bluechip companies offer a blend of stability and potential for steady growth.

 

Diversified Portfolio

Maintains a diversified portfolio across various sectors, spreading risk.

 

Proven Track Record

Managed by ICICI Prudential, known for its strong performance and risk management record.

Performance

   
 

Consistency in Returns

Delivers consistent returns, proving to be a reliable option for long-term investment.

 

Resilience During Market Fluctuations

Large-cap nature provides resilience during market downturns, with less volatility.

Risks

   
 

Market Risk

Exposed to market risks, with potential short-term fluctuations.

 

Sector Concentration

Performance influenced by sector allocations, affecting returns based on sector performance.

Suitability for a 10-Year SIP

   
 

Ideal for Long-Term Investors

Well-suited for investors seeking long-term capital appreciation with lower risk levels.

 

Risk Appetite

Appropriate for investors with moderate risk appetite, seeking stability and growth.

 

Wealth Creation Goal

Positioned for steady wealth creation over a 10-year period, focusing on established companies.



The ICICI Prudential Bluechip Fund offers an avenue for systematic investment in some of the largest and most stable companies in India. Its focus on blue chip stocks makes it an attractive choice for investors aiming for long-term growth with relatively lower volatility.

9. HDFC Small Cap Fund

The HDFC Small Cap Fund offers investors an opportunity to invest in small-cap stocks through a Systematic Investment Plan (SIP). This fund targets small-cap companies that have the potential for high growth, making it an exciting option for long-term investors.



Category

Aspect

Description

Key Features

   
 

Small-Cap Focus

Invests mainly in small-cap companies, offering higher growth potential.

 

High Growth Potential

Small-cap stocks can rapidly expand and increase market share, offering significant growth opportunities.

 

Active Management

Managed by HDFC, leveraging active management to identify undervalued high-potential stocks.

 

Diversified Portfolio

Maintains diversification across various sectors, spreading risk despite the small-cap focus.

Performance

   
 

Long-Term Growth Perspective

Small-cap funds have historically shown strong performance over the long term, albeit with higher volatility.

 

Track Record

HDFC Small Cap Fund has a history of identifying high-potential small-cap stocks and delivering strong long-term returns.

Risks

   
 

Higher Volatility

More volatile and riskier than large-cap stocks, suitable for investors with a higher risk tolerance.

 

Market Risks

Subject to market fluctuations, with significant impact possible during market downturns.

Suitability for a 10-Year SIP

   
 

Risk-Tolerant Investors

Ideal for investors comfortable with higher levels of volatility for the potential of higher returns.

 

Long-Term Investment Horizon

Suitable for those with a long-term perspective, as small-cap stocks often require time to mature.

 

Wealth Creation Goal

Well-suited for those aiming for significant capital appreciation over a 10-year period.



The HDFC Small Cap Fund provides an excellent opportunity to invest in the high-growth potential of small-cap stocks through a systematic and disciplined approach. Its focus on small-cap stocks makes it a compelling choice for investors with a long-term horizon and a higher risk appetite.

10. DSP Small Cap Fund

The DSP Small Cap Fund is another noteworthy option for investors interested in the small-cap segment of the market. This fund focuses on investing in small-cap companies with robust business models and strong growth potential, making it an attractive choice for long-term investors through SIPs.



Category

Aspect

Description

Key Features

   
 

Small-Cap Investment Strategy

Primarily invests in small-cap stocks with high growth potential but higher risk.

 

Focus on Fundamentals

Selection of companies based on strong fundamentals, good management, and scalability.

 

Diversified Portfolio within Small-Cap Sector

Maintains diversification across various industries within the small-cap sector.

 

Active Management

Actively managed by DSP Mutual Fund, noted for its disciplined investment process.

Performance

   
 

Potential for High Returns

Known for the potential to deliver higher returns over the long term.

 

Performance in Different Market Cycles

Performance should be evaluated across various market conditions for risk management and opportunity capitalisation.

Risks

   
 

High Volatility

Inherently more volatile and riskier due to investment in small-cap stocks.

 

Market Fluctuations

Can experience significant fluctuations due to market volatility.

Suitability for a 10-Year SIP

   
 

Long-Term Investors with High-Risk Appetite

Suitable for investors comfortable with high volatility and a long-term investment perspective.

 

Capital Growth Objective

Well-suited for those aiming for substantial capital growth over a 10-year period.

 

Wealth Accumulation Strategy

Offers an opportunity for wealth accumulation, particularly for diversifying with small-cap stocks.




The DSP Small Cap Fund presents a compelling option for investors looking to invest in the high-growth potential of small-cap stocks in India. While the risk associated with small-cap investments is higher, the long-term growth prospects make it a suitable choice for SIP investments over a 10-year period.

11. ICICI Prudential MidCap Fund

The ICICI Prudential MidCap Fund targets the mid-cap segment of the market, investing in companies with medium market capitalisation that have the potential for significant growth. This fund is designed for investors looking for a balance between the high growth potential of small-cap stocks and the stability of large-cap stocks.



Category

Aspect

Description

Key Features

   
 

Mid-Cap Focus

Invests mainly in mid-cap stocks, offering a balance of risk and return, suitable for growth-phase companies.

 

Growth Opportunities

Mid-cap companies potentially offer higher growth rates as they expand and mature.

 

Diversification

Maintains a diversified portfolio across various sectors within the mid-cap range.

 

Experienced Fund Management

Managed by ICICI Prudential, leveraging strong research and an experienced management team.

Performance

   
 

Potential for High Returns

Known to provide substantial returns over long investment periods.

 

Performance Track Record

Important to evaluate historical performance across different market conditions.

Risks

   
 

Moderate to High Volatility

More volatile than large-caps but less than small-caps, suitable for moderate to high-risk appetite investors.

 

Market Fluctuations

Subject to market risks, with potential fluctuations in value.

Suitability for a 10-Year SIP

   
 

Balanced Risk-Return Profile

Ideal for investors seeking a balanced investment approach, combining growth with manageable risk.

 

Long-Term Growth Focus

Suitable for those with a long-term investment horizon, capitalising on the growth of mid-cap companies.

 

Diversification in Equity Portfolio

A good option for diversifying an equity portfolio, complementing large-cap or small-cap investments.



The ICICI Prudential MidCap Fund offers an opportunity to invest in the growth story of India's mid-cap segment. Its focus on mid-sized companies makes it a strategic choice for investors aiming for growth with a relatively balanced risk profile over a 10-year SIP period.

12. HDFC Dynamic Debt Fund

The HDFC Dynamic Debt Fund offers a different approach compared to equity-focused funds. This fund primarily invests in debt and money market instruments, dynamically adjusting the portfolio based on interest rate movements. It's designed for investors seeking stable returns with lower risk than equity funds.



Category

Aspect

Description

Key Features

   
 

Debt Investment Strategy

Invests in a mix of debt instruments, such as government securities, corporate bonds, and money market instruments.

 

Dynamic Asset Allocation

Actively adjusts portfolio composition based on interest rate outlook to optimise returns.

 

Risk Management

Focuses on minimising risk by selecting high-quality debt instruments and managing portfolio duration.

 

Stability and Income Generation

Aims to provide stable income through interest earnings, targeting regular income-seeking investors.

Performance

   
 

Consistent Income Generation

Known for generating consistent income, though past performance should be reviewed for stability and returns.

 

Interest Rate Sensitivity

Performance influenced by interest rate movements, with active management to capitalise on these changes.

Risks

   
 

Credit Risk

Exposed to the credit risk of debt instrument issuers.

 

Interest Rate Risk

Subject to impact from changes in interest rates.

 

Market Risks

Faces market risks inherent in the debt market, albeit lower than equity funds.

Suitability for a 10-Year SIP

   
 

Conservative Investors

Suitable for conservative investors seeking steady returns with lower volatility.

 

Income Focus

Ideal for those prioritising income generation over capital appreciation.

 

Long-Term Debt Market Exposure

Appropriate for long-term exposure to the debt market, especially for portfolio balancing away from equities.




The HDFC Dynamic Debt Fund is a viable option for investors seeking to diversify their investments through SIPs in the debt market. Its dynamic management approach and focus on income generation make it a suitable choice for those looking for stable returns over a 10-year period.

13. HDFC Income Fund

The HDFC Income Fund is a debt-oriented mutual fund that aims to provide investors with regular income over a medium to long-term period. It primarily invests in a diversified portfolio of high-quality debt and money market instruments. This fund is an attractive option for investors who prefer stable returns and lower risk as compared to equity investments.



Category

Aspect

Description

Key Features

   
 

Debt and Money Market Investments

Invests in government securities, corporate bonds, and other fixed-income securities for a diversified debt portfolio.

 

Income Generation

Aims to generate regular income through interest earnings, suitable for income-seeking investors.

 

Risk Management

Focuses on credit quality and duration management to mitigate interest rate and credit risks.

 

Liquidity

Includes money market instruments to add liquidity to the fund.

Performance

   
 

Stable Returns

Known for providing stable returns, consistent with the objective of income generation.

 

Interest Rate Sensitivity

Performance influenced by interest rate changes, managed through active portfolio adjustment.

Risks

   
 

Credit Risk

Exposed to the risk of credit defaults or downgrades in debt issuers.

 

Interest Rate Risk

Subject to impact from fluctuations in interest rates.

 

Market Risk

Faces inherent market risks in the debt market, though lower than equity funds.

Suitability for a 10-Year SIP

   
 

Conservative Investment Approach

Ideal for conservative investors focused on capital preservation and regular income.

 

Long-Term Income Focus

Suitable for those seeking regular income over a medium to long-term horizon.

 

Diversification in Debt Instruments

A prudent choice for portfolio diversification away from equities, offering a balanced approach in the debt market.



The HDFC Income Fund offers a stable and conservative investment option for SIPs, particularly for those looking at a 10-year investment horizon focused on regular income and lower risk exposure.

14. Aditya Birla Sun Life Banking and PSU Debt Fund

The Aditya Birla Sun Life Banking and PSU Debt Fund is tailored for investors seeking stable returns through investments primarily in debt instruments of banks, Public Sector Undertakings (PSUs), and Public Financial Institutions. This fund is a popular choice for those looking for lower-risk debt investments with a steady income profile.



Category

Aspect

Description

Key Features

   
 

Focus on Banking and PSU Debt Instruments

Invests in debt and money market instruments issued by banks, PSUs, and Public Financial Institutions.

 

Income Generation and Stability

Aims to provide stable returns and regular income, targeting instruments with good credit ratings.

 

Risk Management

Balances risk and return by investing in high-quality debt instruments, minimising credit risk.

Disclaimer

This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.