Every SIP investment in a tax saving mutual fund has a three year lock-in period. Therefore, you can withdraw the money after the three year lock period. You can redeem the funds through the asset management company or online portal or agent or demat account or through CAMS. You just have to fill the redemption form or raise a redemption request and submit it. Through online portals such a Scripbox, one can redeem their investments with just a click of a button.