Why Does ₹100 Even Matter?
Most people think, "What’s the big deal with ₹100?"
But here’s the truth: ₹100 invested consistently beats ₹100 saved passively—by a mile.
In a time when coffee costs more than that, this tiny amount holds immense power when used wisely and consistently.
₹100 Saved Every Month for 20 Years
If you save ₹100 each month and stash it away under your mattress or in a savings account with ~2.5% interest:
Total Invested: ₹24,000
Final Value (2.5% interest): ₹32,100 (approx)
Gain: ₹8,100 over 20 years
You’re barely beating inflation.
₹100 Invested Every Month for 20 Years
Now, what if you invested ₹100 monthly in a SIP (Systematic Investment Plan) with an average return of 12% annually?
Total Invested: ₹24,000
Final Value (12% CAGR): ₹99,900+
Gain: ₹75,900+
That’s 3x the amount saved, simply through the power of compounding.
Visual Comparison (20 Years)
| Monthly Amount | Total Invested | Savings Account (2.5%) | SIP at 12% |
|---|---|---|---|
| ₹100 | ₹24,000 | ₹32,100 (approx) | ₹99,900+ |
| ₹500 | ₹1,20,000 | ₹1.6 Lakh (approx) | ₹5 Lakh+ |
The Real Lessons
1️⃣ Time Beats Amount
Even a small amount invested early has more impact than a large amount saved later.
2️⃣ Inflation Is the Silent Killer
Your ₹100 today won’t buy the same things in 2045. Saving without returns = losing value.
3️⃣ Start Small, Grow Big
You don’t need lakhs to start investing. ₹100/month is all it takes to form the habit and build wealth over time.
Where Can You Start Investing ₹100?
📲 Mutual Fund SIPs via apps like Groww, Zerodha, Kuvera
🏦 Recurring Deposit (RD) with higher interest than savings
🪙 Digital Gold or P2P Platforms (with risk consideration)
📈 Fractional Stock Investments (starting from ₹1 in some platforms)
FAQs
1. Is it worth investing ₹100 per month?
Yes! It forms the foundation of disciplined investing and shows powerful results over time.
2. What’s the safest way to invest ₹100 monthly?
Mutual fund SIPs in debt or hybrid funds are relatively safer with decent returns.
3. Can I invest ₹100 daily instead?
Absolutely! ₹100 daily = ₹3,000/month. That’s even more powerful over time.
4. Is it better to save or invest?
Do both. Save for short-term needs, invest for long-term growth. But investing beats saving when it comes to wealth creation.
Final Thought
Saving money keeps it safe. Investing makes it grow.
The difference between ₹100 saved and ₹100 invested isn't just numbers—it's the difference between surviving and thriving financially.
Start today. Even ₹100 is enough.
Published on : 31st July
Published by : SMITA
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