How to Start Investing with Just ₹100

How to Invest with Only ₹100

Let me share a little secret with you: you don't have to be wealthy to begin investing. As a matter of fact, I began my investing process with ₹100. Yes, seriously! And if I could do it, then so can you.

Everyone believes investing is all about individuals wearing suits on Dalal Street. But the reality is, investing has become extremely convenient nowadays—even if you are a student, a homemaker, or receiving your first salary.

In this article, I will walk you through how you can start investing with only ₹100 even if you don't have experience doing it.

Why You Should Start Investing Early (Even With a Small Amount)

You may ask yourself, "What can ₹100 do?"

The compounding effect – Your money makes interest, and that interest makes even more interest. With time, this little sum can accumulate into a lot.

It creates a habit – Beginning small teaches you the art of investing, without risking too much.

You feel confident – The more you invest, the more you know—and the more confident you will be.

Believe me, when I began, I didn't know anything. But beginning small provided me with the room to learn without anxiety.

Step-by-Step Guide: How to Start Investing With ₹100

Let's divide it into easy steps. No jargon, nothing fancy.

Step 1: Set Your Goal

Ask yourself—why are you investing? Is it to purchase a phone, take a trip, save for a future house, or just accumulate wealth?

Your target determines where to invest and for how long. Even a modest target of saving ₹5,000 in a year can get you started.

Step 2: Select a Platform (No Stockbroker Required!)

Those days are gone when you required a stockbroker to invest. Today, you can invest directly from your mobile phone.

Following are the most popular apps in India:

• Groww
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• Zerodha (Coin)
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• Paytm Money
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• Kuvera
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• Upstox

The majority of these apps allow you to invest in mutual funds and stocks from ₹100. They're simple to use and include guides for beginners.

Step 3: Begin With Mutual Funds

If you're a beginner, mutual funds are a good starting point. Why? Because a professional fund manager does all the work for you.

Search for:

• SIP (Systematic Investment Plan) options from ₹100
• 
  
• Index funds – they replicate the stock market and are usually low-risk
• 
  
• ELSS (Equity-Linked Saving Schemes) – assists in tax saving

You can initiate a SIP and invest a constant amount every month. Set it and forget it.

???? Personal tip: I began with a SIP in a balanced mutual fund. I did not even feel ₹100 leaving me every month, but it kept growing over time!

Step 4: Experiment with Digital Gold or Fractional Shares

Averse to mutual funds? No worries. You can also:

• Buy Gold Digitally – apps such as PhonePe, Paytm, and Google Pay allow you to purchase gold for a minimum of ₹1
• 
  
• Invest in Stock with Smallcase or Fractional Investing – certain apps now enable you to invest in fractions of a stock (rather than one full share)

But keep it in mind, risk is greater with stocks. So only attempt this after you feel settled.

Step 5: Keep Learning (Even 5 Minutes a Day Helps)

The best investors aren’t the ones who make the most money in a day—they’re the ones who learn constantly.

• Watch YouTube videos in your language
• 
  
• Follow finance creators on Instagram or LinkedIn
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• Read short articles or listen to finance podcasts
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• Knowledge is your best friend in the world of investing.

What Not to Do When Starting

Let’s be real—mistakes happen. I’ve made them too. Here’s what to avoid:

• Don’t invest just because a friend said so
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• Don't dream of getting rich overnight
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• Don't invest everything in one single place
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• Don't put money you can't afford to lose

Go slow. Go safe.

Investment Myths That Hold You Back (Don't Fall for Them!)

• I require a lot of money to invest.
• Fact: ₹100 can be the starting amount
• It is too risky.
• Fact: Not if you pick the correct investment (such as mutual funds or digital gold).
• I don't have time to learn.
• Truth: 5–10 minutes a day are all you need.

The Magic of Consistency

Suppose you put ₹100 per month for 5 years. That's ₹6,000 invested.

Now suppose that money compounds at 10% annually (which is typical of many mutual funds). You might have much more than you started with.

Even more important, you'll build a habit and mindset that can serve you well in dealing with larger investments in the future.

Final Thoughts: Just Take the First Step

I remember how paralyzed I felt at first. I was there too. But the instant you invest that first ₹100 in your investment account, you're not just a saver—you're an investor.

And let me tell you, that feels incredibly good.

You don't need special tools. You don't need a degree in finance. You just need the desire to begin.

So, go open that app, define your goal, and put in that ₹100. Your future self will appreciate it.