Aaj ke time mein log apna paisa bank mein rakhte hain, lekin inflation ke chalte us par zyada return nahi milta. Mutual funds ek behtar option hai, jisme aap thodi-thodi rakam se bhi invest kar sakte ho. Aur ab sarkar aur SEBI ki taraf se aise initiatives aaye hain jo beginners ke liye mutual fund investment aur bhi aasan bana dete hain.
✅ Sarkari Initiative – Chhoti Rakamo Se Shuruaat
2025 mein SEBI ne fund companies ko encourage kiya hai ki wo chhoti SIP (Systematic Investment Plan) rakam se logon ko invest karne ka mauka dein. Ab aap ₹250 se bhi SIP shuru kar sakte ho. Iska matlab hai – koi bada amount chahiye hi nahi, bas regular saving aur thoda discipline chahiye.
✅ Kya Hai SIP?
SIP ka matlab hai har mahine ek fixed amount mutual fund mein invest karna. Aap ₹250, ₹500, ya ₹1000 jitna bhi afford kar sako, utni rakam se start kar sakte ho.
SIP ke fayde:
- Chhoti rakam se shuruaat
- Long-term mein achha return
- Compounding ka benefit
- Market ki uthal-puthal ka kam risk
✅ ELSS – Tax Saving Ke Saath Investment
Beginners ke liye ek aur achha option hai ELSS mutual fund, jisme aap invest karke tax bhi bacha sakte ho. Isme 3 saal ka lock-in period hota hai aur ye equity-based hota hai.
ELSS ke fayde:
- Tax savings (under 80C)
- Achhe returns ki sambhavana
- Long-term wealth creation
✅ Investment Free Kyun Kehte Hain?
Yeh plans “free” isliye kehlate hain kyunki:
- Account kholne ki koi fees nahi hoti
- ₹250 jaisi chhoti rakam se start hota hai
- Kisi financial advisor ki zarurat nahi – aap app se khud kar sakte ho
- KYC process online hota hai – bina paise ke complete ho jata hai
🔚 Antim Soch (Conclusion)
Agar aap beginner ho aur soch rahe ho ki investment kaise shuru karna hai, to yeh sarkar ke support se chalu initiativesaapke liye best hain. Aapko na zyada paisa chahiye, na koi technical knowledge.
Bas ₹250 se SIP shuru karo, har mahine regular invest karo, aur dheere-dheere aap apni financial journey ka safar shuru kar sakte ho.