ANALYZING OPERATIONAL EFFICIENCY AND PROCESS OPTIMIZATION IN SIP MANAGEMENT : A STUDY BASED ON INTERNSHIP EXPERIENCE AT TARUN CAPITAL & INVESTOR SERVICES
DOI:
https://doi.org/10.29121/ijetmr.v12.i4.2025.1702Keywords:
SIP Management, Operational Efficiency, Process Optimization, KYC Compliance, Financial Services, Investment Operations, Data Accuracy, Workflow ImprovementAbstract
During my time at Tarun Capital & Investor Services, I became curious about how SIPs are actually handled behind the scenes. This paper is based largely on what I saw, learned, and experienced during that internship. My work made me realise that something as simple as keeping documents in order, having clear client information, and following compliance routines properly can make a huge difference in how smoothly financial operations run.
While dealing with everyday tasks, I came across a number of issues that repeatedly slowed down the SIP process. Many clients submitted incomplete KYC details, which meant extra follow-ups. At times, several documents had to be tracked simultaneously, and without a good system, they were easy to misplace or overlook. Another challenge was the limited use of automation, which resulted in more manual work and unavoidable delays. From what I observed, even small improvements—like using a consistent checklist, maintaining a proper filing method, and communicating with clients before problems arise—can significantly speed up SIP activation and reduce errors.
The research follows a qualitative approach because most insights came from practical exposure rather than numerical data. Daily interactions with paperwork, routine tasks, and discussions with mentors gave me a clearer understanding of where the process works well and where it slows down. These experiences showed me that adopting better documentation habits, shifting some tasks to digital tools, and ensuring transparent communication can greatly improve the overall efficiency of investment service operations.
In the end, this paper argues that neither humans nor technology alone can solve these challenges. Long-term efficiency comes from finding the right balance—using automation for repetitive tasks while relying on human judgment where accuracy and personal interaction matter.
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References
AMFI. (2024). Mutual fund performance and SIP contribution trends in India. Association of Mutual Funds in India. Retrieved from https://www.amfiindia.com
Ghosh, R. (2020). Operational challenges and process efficiency in small financial firms: A study of Indian investment advisors. Journal of Financial Services and Management, 8(3), 45–52.
Patel, D. (2021). Impact of workflow standardization on compliance and efficiency in mutual fund operations. Indian Journal of Business and Management Research, 9(2), 63–71.
Rao, P., & Kumar, V. (2022). Improving financial operations through documentation accuracy and data automation: Evidence from mutual fund distributors in India. International Review of Finance and Economics, 11(4), 112–121.
SEBI. (2023). Know Your Customer (KYC) and FATCA compliance guidelines for investment service providers. Securities and Exchange Board of India. Retrieved from https://www.sebi.gov.in
Tarun Capital & Investor Services. (2025). Internal operations and compliance manual (Unpublished company document). Mumbai, India.
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Copyright (c) 2025 Swara Joshi, Linu George, Dr. Bhawna Sharma
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