Is ₹100 SIP worth it?

₹100/month for 30 years at 12% = ₹3.5L. Not life-changing, but it builds the investing habit. Increase to ₹500, then ₹1,000 as your income grows. The discipline is what matters.

Which fund has ₹100 minimum SIP?

Many AMCs now offer ₹100 SIP: SBI, HDFC, ICICI, Nippon, and others. Check on apps like Groww or directly on AMC websites. Focus on index funds for the simplest start.

Micro SIP — Start Investing with ₹100

You don't need lakhs to start investing. Many mutual funds now accept SIPs as low as ₹100-₹500/month. Small amounts, invested consistently over decades, can build significant wealth.

Why Start Small

₹500/month SIP at 12% for 30 years = ₹17.6L. That's from investing just ₹1.8L total! The habit matters more than the amount. Start with ₹100 and increase as income grows.

Best Platforms for Small SIP

Apps like Groww, Zerodha Coin, Kuvera, and Paytm Money allow micro SIPs. Direct mutual fund plans have lower expense ratios. Use UPI autopay for seamless monthly deductions.

Best Funds for Micro SIP

Start with one Nifty 50 index fund. Once you reach ₹2,000-₹3,000/month, add a mid-cap or flexi-cap fund. Keep it simple — don't spread ₹500 across 5 funds.