Still think you need ₹10,000 or more to start investing?
Not anymore.
In 2025, even ₹100 is enough to begin your journey toward financial freedom. With digital platforms, fractional investing, and UPI-powered apps, your first investment can be smaller than your last food order.
So if you're a student, gig worker, or just nervous about starting, this guide is your green light to start investing smart and small.
Why You Must Start Early — Even with ₹100
Power of Compounding grows over time, not size
Builds financial discipline with minimal risk
Helps you learn and build confidence before you commit bigger money
Shows you don’t need to “wait” for a higher salary to begin
Where to Invest ₹100 in India (2025 Edition)
✅ 1. Digital Gold (Start with ₹10)
Buy gold online in small quantities via apps like Paytm, PhonePe, Groww, and Google Pay.
Pros: Safe, liquid, hedge against inflation
Cons: Doesn’t generate regular income
✅ 2. Mutual Funds via SIPs (Start from ₹100)
Platforms like Groww, Zerodha, Kuvera, and Paytm Money allow SIPs with just ₹100.
Start With: Liquid Funds, Index Funds, or Balanced Funds
Returns: 10–14% annually (historically)
✅ 3. Digital Recurring Deposits (RDs)
Banks like SBI, HDFC, and ICICI allow you to start RDs from ₹100–₹500 monthly.
Pros: Low risk, fixed returns
Best For: Risk-averse beginners who want safety + discipline
✅ 4. Stock Market via Fractional Shares
Some platforms now allow fractional investing in US stocks or ETFs with ₹100 (INDmoney, Vested).
Caution: Stocks are volatile — start small, learn first
✅ 5. Sovereign Gold Bonds (SGBs) - Group Purchase
Join SGBs via pooled apps (like Jar or smallcase) when full units are too expensive.
Top 5 Apps to Start Investing with ₹100
| App | Min. Amount | Best For |
|---|---|---|
| Groww | ₹100 | SIPs, Mutual Funds |
| Paytm Money | ₹100 | Gold, Mutual Funds |
| Jar | ₹1–₹10 | Auto-daily saving + gold |
| Zerodha | ₹100 | Long-term SIPs |
| INDmoney | ₹100 | US Stocks, Index Funds |
Real Example: ₹100 Monthly SIP for 10 Years
| Monthly Investment | Time Period | Estimated Returns (12%) | Corpus |
|---|---|---|---|
| ₹100 | 10 years | ₹23,000+ | ✅ Small start → Big impact |
Now imagine scaling up over time — ₹100 can become ₹500, then ₹1,000, and soon your investment habit is compounding into real wealth.
Beginner Mistakes to Avoid
❌ Waiting for “more income” before starting
❌ Blindly copying friends or YouTubers
❌ Not tracking or forgetting your investments
❌ Ignoring taxes and withdrawal conditions
Tips to Stay Consistent
Automate SIPs via UPI
Use apps with gamification or streaks (Jar, Jupiter)
Keep a journal of your investment learnings
Join free Vizzve webinars and financial literacy sessions
FAQs
1. Is ₹100 a serious investment?
Yes! The goal isn’t big returns — it’s to build the habit and remove fear. Every investor starts somewhere.
2. Can I lose money if I invest such a small amount?
With mutual funds, gold, or RDs — very low risk. But always read about where your money goes.
3. What if I want to invest more later?
Perfect. Once confident, you can increase your SIP or diversify into stocks, bonds, or ETFs.
Final Thoughts
“The best time to start investing was yesterday. The second-best time is now.”
Even ₹100 is powerful — not because of how much it earns, but because of what it teaches you.
So stop waiting for the “right time” or “right salary.”
👉 Download your favorite investment app.
👉 Pick a beginner-friendly option.
👉 Start with ₹100 and grow with Vizzve.
Because your wealth journey deserves a start — no matter how small.
Published on : 26th July
Published by : SMITA
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