1. Introduction
A Systematic Investment Plan (SIP) allows people to invest small amounts in mutual funds regularly—monthly, weekly, or quarterly. Earlier, SIPs needed ₹500–₹1000 to start. Now, many Asset Management Companies (AMCs) allow SIPs starting from just ₹100, making investing accessible to everyone including students, workers, and daily earners.
2. Why SIP is Powerful
SIP helps investors:
- Build investment discipline
- Gain long-term wealth
- Take advantage of rupee cost averaging
- Enjoy compounding benefits
- Avoid emotional market decisions
- Start with minimum investment risk
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3. ₹100 SIP – Game Changer
The option to begin investing in mutual funds with ₹100 per month opens doors to:
- Rural investors
- Students
- Homemakers
- Low-income groups
It breaks the myth that investment is only for the rich.
4. How SIP Works
- Choose a mutual fund.
- Invest ₹100 or more monthly.
- Purchase fund units based on NAV (Net Asset Value).
- Over time, wealth grows through returns + reinvestment.
Example:
- ₹100/month for 20 years at 12% return ≈ ₹98,000
5. SIP Benefits
- Affordable: Start with just ₹100.
- Flexible: Stop, pause, or change any time.
- Convenient: Auto-debit ensures consistency.
- No market timing needed.
- Tax-saving through ELSS SIPs.
- Reduces risk via monthly investment over time.
6. Types of Mutual Funds Available for ₹100 SIP
You can start ₹100 SIP in:
- Equity Funds
- Debt Funds
- Hybrid Funds
- Index Funds
- ELSS (Tax Saving) Funds
- Smallcap/Midcap funds
7. How to Select the Right Fund
Before starting:
- Set your goal (retirement, education, emergency fund)
- Check time horizon
- Understand your risk profile
- Review fund past performance & ratings
- Choose reputable AMCs like Axis, HDFC, ICICI, SBI, etc.
8. Best ₹100 SIP Funds (2025 List)
| Fund Name | Type | Returns (5Y) |
|---|---|---|
| Navi Nifty 50 Index Fund | Index | 14.2% |
| Quant Active Fund | Multicap | 18.3% |
| Parag Parikh Flexi Cap Fund | Flexi Cap | 16.7% |
| Axis Long Term Equity Fund | ELSS | 13.8% |
| Mirae Asset Hybrid Fund | Hybrid | 12.9% |
9. SIP vs Lump Sum
| Feature | SIP | Lump Sum |
|---|---|---|
| Regularity | Monthly | One-Time |
| Risk | Low | High |
| Suitable For | Beginners | Experts |
| Emotional Impact | Less | More |
| Market Timing | No | Yes Needed |
10. How to Start SIP Online
Steps:
- Download investment apps like Groww, Zerodha, Paytm Money, or Coin.
- Complete KYC using Aadhaar + PAN.
- Choose your fund and SIP date.
- Enter amount (₹100+).
- Enable auto-debit from UPI or bank account.
- Track growth monthly.
11. UPI-Based SIP Investment
Now you can start and manage SIPs using UPI.
Steps:
- Choose UPI option during SIP setup.
- Add your UPI ID (e.g., 9876543210@upi)
- Authorize payment on your UPI app.
- Done! No bank linking needed.
12. SIP Risks and How to Handle Them
Though safe for long term, SIP has some risks:
- Market volatility
- Fund underperformance
- Delayed goals
- Inflation risk
Tips to manage:
- Stay invested for long term
- Choose diversified funds
- Review portfolio once in 6 months
13. Power of Compounding
Time + Consistency = Big Returns
Examples:
- ₹100/month for 10 years @12% → ₹23,000+
- ₹100/month for 30 years @12% → ₹3.5 lakh+
So, start early, stay long.
14. SIP for Students & Low-Income Individuals
- Ideal for college students saving pocket money.
- Daily wage earners can invest weekly ₹25.
- Homemakers can invest from household savings.
- Helps build financial independence early.
15. Tax Benefits of SIP
- SIP in ELSS Funds (Equity Linked Saving Scheme) gives tax deduction up to ₹1.5 lakh/year under Section 80C.
- Lock-in: 3 years.
- Tax-free returns up to ₹1 lakh per year.
16. ELSS SIP Funds for ₹100
| Fund Name | Lock-in | Avg Return |
|---|---|---|
| Axis Long Term Equity Fund | 3 years | 13.5% |
| Quant Tax Plan | 3 years | 17.1% |
| DSP Tax Saver Fund | 3 years | 14.3% |
| Canara Robeco ELSS | 3 years | 12.9% |
17. Real Stories – Real Success
Raju (Tea Seller):
₹100/month SIP for 10 years → used ₹25,000 for daughter's education.
Meena (College Student):
Saved ₹100/month from pocket money → built ₹1.5 lakh corpus by age 30.
Ravi (Delivery Boy):
Invested ₹300/month across 3 funds → corpus of ₹1+ lakh in 15 years.
18. SIP Myths vs Truths
| Myth | Reality |
|---|---|
| Need ₹1000 to start | You can start with ₹100 |
| SIP gives fixed return | SIP returns are market-based |
| SIP is risky | Long-term SIPs reduce risk |
| SIP is hard to start | Simple to start via mobile app |
| Only rich invest | Anyone can invest now |
19. Common FAQs
- Can I start SIP without a job? Yes, if you have income source (freelance, allowance, etc.)
- Can I stop SIP? Yes, any time except for ELSS funds (3 years lock-in).
- Is PAN card required? Yes, for KYC.
- Can I change funds later? Yes, anytime.
- What’s the best fund for beginners? Index funds and Hybrid funds.
20. Conclusion: Why You Should Start Now
✅ SIP is a simple, flexible, and low-risk investment tool.
✅ You don’t need thousands—₹100 is enough.
✅ The earlier you start, the more wealth you build.
✅ Even if you’re a student or small earner, you can begin your financial journey.
✅ Use apps, UPI, and free tools to track, manage, and grow your money.
