Investing is no longer a game only for the rich. With the power of Systematic Investment Plans (SIPs), even beginners with as little as ₹100 can start building wealth. In fact, some of the best mutual fund houses in India now allow investors to begin their SIP journey with a minimal amount – removing the old excuse that “I don’t have enough money to invest.”
In this article, we’ll walk you through everything you need to know about starting a SIP with ₹100 in India, including how it works, where to invest, platforms to use, and things to watch out for.
✅ What is a SIP (Systematic Investment Plan)?
A SIP (Systematic Investment Plan) is a method of investing in mutual funds where you invest a fixed amount at regular intervals—monthly, weekly, or even daily.
Instead of investing a lump sum, SIPs let you invest small amounts consistently over time. This brings in the benefit of rupee cost averaging, discipline, and compounding growth.
💡 Can You Start SIP with ₹100?
Yes! In India, many mutual funds allow you to start SIPs with just ₹100 per month. This makes it a great option for:
- College students
- Entry-level employees
- Homemakers
- Freelancers
- People testing the waters of investing
Even ₹100 invested monthly can become a habit that grows into thousands or lakhs over the years.
📊 ₹100 SIP Monthly – Future Value Calculator
| Investment Duration | Monthly SIP (₹) | Expected Return (12% p.a.) | Future Value |
| 1 Year | ₹100 | ₹1,268 | ₹1,268 |
| 3 Years | ₹100 | ₹4,100 | ₹4,100 |
| 5 Years | ₹100 | ₹8,100 | ₹8,100 |
| 10 Years | ₹100 | ₹23,000+ | ₹23,000+ |
Note: Actual returns may vary depending on fund performance.
🏦 Best SIP Mutual Funds in India with ₹100 Minimum Investment
Here’s a list of mutual funds (as of 2025) where you can start a SIP with just ₹100:
| Mutual Fund Name | Fund Type | SIP Start | Expense Ratio | Suitable For |
| Nippon India Small Cap Fund | Equity – Small Cap | ₹100 | ~0.85% | Aggressive investors |
| UTI Nifty 50 Index Fund | Index Fund | ₹100 | ~0.20% | Beginners / Passive |
| ICICI Prudential Bluechip Fund | Equity – Large Cap | ₹100 | ~1.07% | Moderate risk |
| Tata Digital India Fund | Sectoral (Tech) | ₹100 | ~1.02% | Thematic investors |
| Quant ELSS Tax Saver Fund | ELSS (Tax saving) | ₹100 | ~0.76% | 80C tax benefits |
Source: AMFI, Fund Fact Sheets (2025)
🧾 Documents Required to Start SIP
To begin investing, you’ll need:
- PAN card
- Aadhaar card
- Bank account with net banking
- Mobile number linked with Aadhaar
- A selfie for eKYC (for some apps)
Most platforms offer instant paperless KYC for first-time investors.
📲 Top Apps to Start SIP with ₹100 in India
| App/Platform | Key Features | Charges |
| Groww | Easy UI, direct mutual funds, trackable dashboard | Zero commission |
| Kuvera | Goal-based investing, family account management | Zero commission |
| Paytm Money | SIP in ₹100+, investment learning tools | Zero commission |
| ETMoney | Tax planning + SIPs, good reports | Free |
| Zerodha Coin | Linked to Zerodha demat, direct funds | Free |
🛠️ Step-by-Step Guide to Start SIP with ₹100
Step 1: Choose a Platform
Download a trusted app like Groww, Paytm Money, or Kuvera.
Step 2: Complete eKYC
You’ll need to submit Aadhaar, PAN, and bank proof for online verification.
Step 3: Research Funds
Use filters like “SIP ₹100 minimum,” “Top-performing,” “Low risk,” etc. to find funds that match your goals.
Step 4: Start SIP
Set up auto-debit (via UPI, net banking, or NACH mandate) and choose frequency—monthly is best for most.
Step 5: Monitor & Stay Consistent
Track your portfolio monthly. Don’t panic in market volatility—SIPs are for long-term investing.
💰 Benefits of SIP with ₹100 – Why It’s a Smart Start
| Benefit | Description |
| Low Entry Barrier | Almost anyone can afford ₹100/month |
| Builds Discipline | Encourages regular saving and investing |
| Rupee Cost Averaging | Buys more units when market is low |
| Start Early, Grow Wealthy | The earlier you start, the more compounding works |
| Flexibility | Easy to increase SIP later as income grows |
❗ Things to Keep in Mind
- Market-Linked Returns: SIPs invest in mutual funds that are linked to stock markets—returns are not guaranteed.
- Stay for 5+ Years: To truly benefit from compounding, stay invested for 5 years or more.
- Review Annually: As your income grows, increase your SIP gradually.
- Start with Index Funds if Confused: Funds like UTI Nifty 50 or HDFC Index Sensex are great beginner options.
👨🏫 Real-Life Example: Riya, the Intern from Kolkata
Riya, a 22-year-old intern earning ₹12,000/month, wanted to save but didn’t know where to begin. On advice from a cousin, she started a ₹100 SIP in the Nippon India Small Cap Fund via the Groww app.
In just 1 year:
- She learned about how NAVs work
- Gained confidence to increase SIP to ₹500/month
- Built a portfolio worth ₹7,500 by end of 18 months
It’s not just about returns—it’s about habit formation and financial literacy.
📌 Conclusion
You don’t need lakhs to start investing in India anymore. All you need is ₹100 and the willingness to take your first step. SIPs provide a safe, disciplined, and powerful way to grow wealth over time—even with small beginnings.
As Warren Buffett once said, “Do not save what is left after spending; instead spend what is left after saving.”
Start your ₹100 SIP today. Let compounding do the rest.
