How to Start Investing with Just ₹100 a Month

Most people think investing is only for rich people or finance pros.

“I’ll invest when I have ₹10,000 saved.”
“Abhi toh salary hi kam hai…”

But here’s the truth:
You don’t need a big salary, a finance degree, or a broker to start investing.
You can start with just ₹100 a month — seriously.

And in this post, I’ll show you how.

💡 Why Start with ₹100?

Because it builds the habit of investing — not just the amount.

• It’s affordable for students, freelancers, or anyone starting out
• It makes you consistent
• It gives you early confidence
• And with compounding, even small amounts grow big over time

Starting small is better than waiting forever.

📈 Option 1: Invest in Mutual Funds via SIP

A Systematic Investment Plan (SIP) lets you invest a small amount every month into a mutual fund.

✅ Many platforms let you start with just ₹100/month
✅ No lock-in
✅ Simple to set up, auto-deducts monthly

🔹 How to start:

• Use apps like Groww, Zerodha Coin, ET Money, or Paytm Money
• Choose a fund marked as “low risk” or “beginner-friendly” (e.g. index funds, hybrid funds)
• Start your first ₹100 SIP and forget about it for a while

Example:

• Fund: Nippon India ETF Nifty BeES
• Monthly SIP: ₹100
• Goal: Build habit, not worry about returns in year 1

🪙 Option 2: Buy Digital Gold (Short-Term Saving)

Some apps like PhonePe, Paytm, and Groww let you buy gold digitally starting from ₹1.

✅ Good for short-term saving
✅ Easy to sell whenever you need
✅ Trusted platforms only

But remember:

Digital gold is not for long-term investing. It's more of a savings tool.

📊 Option 3: Start with Recurring Deposits (RDs)

If you’re too scared of markets right now, Recurring Deposits are a safe place to begin.

• Start with ₹100–₹500/month
• Offered by almost every bank & even Post Office
• Fixed return, no risk

Great for:

• Building discipline
• Saving for a goal (birthday, travel, gift, etc.)

📱 Where to Do All This?

Here are beginner-friendly platforms that allow ₹100 start:

💡 No demat needed for mutual funds. Just KYC + bank account.

🧠 Tips for First-Time Investors

• Don’t focus on returns in your first few months
• Focus on consistency
• Don’t panic if the market dips — you're investing long term
• Increase amount later when you’re comfortable (₹100 → ₹500 → ₹1,000)

💬 Final Thoughts

You don’t need lakhs to start investing. You need ₹100, a smartphone, and the will to start.

It’s not about how much — it’s about how early.

Because the earlier you start, the more time your money has to grow.

📢 Coming Soon:

Free “My First SIP Tracker” – A printable to track your ₹100 journey

📩 Subscribe to the Bitveen newsletter and be the first to download it!

This post is for educational purposes only and should not be considered financial advice.