Stock SIP in a concentrated portfolio of direct stocks is a very bad idea for retail investors.

Comparison of "stocks selected with hindsight bias" Vs. "market returns" is a sure recepie of disaster.

It's easy to select stocks like Infy, Reliance, TCS, HDFC Bank.. but why do you think you wouldn't have selected stocks like Yes Bank, DHFL, JP Associate, Suzlon, DLF, Unitech, etc.

Invest through diversified mutual funds -  you cannot go wrong here.

Eliminate the risk of ruin