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Investing often carries an image of hefty sums and complex portfolios. But what if you dream of growing your wealth but only have ₹100 to start? Well, while the answer is complicated, you can still start investing with a tiny amount. In this blog, we will dive into the world of micro-investing and understand how small investments, too, can help you inch closer to your goals.

You can learn better

Investing with ₹100 isn't just about limited resources; it's about learning, building confidence, and developing healthy financial habits. It allows you to:

  • Test the waters: Experiment with different investment options without significant risk.
  • Learn by doing: Gain practical experience and understand market behaviour firsthand.
  • Celebrate small wins: Witnessing even minor returns can be incredibly motivating.
  • Develop discipline: Contributing regularly, even in small amounts, fosters valuable investment discipline.

Where can you invest with ₹100?

With ₹100, traditional stocks and mutual funds might seem out of reach. But fear not! Several avenues cater to micro-investors like you.

  • Digital Gold: Invest in small amounts of gold through platforms like Augmont or Groww. Gold acts as a hedge against inflation and offers long-term stability.
  • Peer-to-Peer Lending: Platforms like Faircent or LenDenClub allow you to lend directly to individuals or businesses, earning interest on your capital.
  • Micro-SIPs: Some mutual funds offer SIP (Systematic Investment Plan) options starting as low as ₹50, like Aditya Birla Savings Fund with its ₹50 minimum SIP.
  • Fractional Shares: Platforms like Vested Finance or Stockal allow you to purchase fractional shares of popular companies like Apple or Google, diversifying your portfolio with small amounts.

Key considerations

  • Research is key: Understand the risks and potential returns of each platform and investment option before committing your money.
  • Start small and consistent: Begin with ₹100 and gradually increase your contribution as you get comfortable.
  • Long-term focus: Micro-investing is typically a long-term strategy. Don't expect overnight riches, but enjoy the gradual growth.

Beyond the money

While starting with ₹100 is empowering, remember that true financial well-being encompasses more than just investing.

  • Track your expenses: Understand where your money goes and identify areas for potential savings.
  • Build an emergency fund: Aim for 3-6 months of living expenses to weather unexpected situations.
  • Reduce debt: High-interest debt can hinder your wealth-creation journey. Prioritize paying it off.
  • Seek knowledge: Learn about personal finance, investments, and responsible money management.

Inspiration and cautionary tales

Stories abound of individuals starting small and achieving financial success. A young investor started with ₹500 and now manages a sizeable portfolio. Remember, however, that not every journey is the same. Be cautious of unrealistic promises and get-rich-quick schemes. Focus on responsible investing and long-term goals.

Conclusion

Investing with ₹100 might seem insignificant, but it's the spark that ignites your financial journey. With meticulous research, calculated risks, and unwavering discipline, even small beginnings can blossom into a secure and fulfilling financial future. Remember, the most important investment is in yourself: educate yourself, make informed decisions, and enjoy the process!

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