Introduction
Are you a student dreaming of financial freedom but think investing requires a big budget? Think again. In 2025, you can begin your investment journey with just ₹100 per month through a SIP (Systematic Investment Plan). That’s less than the cost of a pizza or a weekend movie.
SIP is one of the simplest and most powerful tools to start saving and investing early, even with limited income or pocket money.
What is SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount regularly (usually monthly) in a mutual fund scheme. Instead of trying to time the market, SIP allows you to build wealth steadily over time.
Why SIP is perfect for students:
- Requires no large capital
- Easy to manage from pocket money
- Builds financial discipline
- Benefits from the power of compounding
- Offers long-term wealth creation
Can You Really Start a SIP with ₹100?
Absolutely. In 2025, many mutual fund houses in India have reduced the minimum SIP amount to just ₹100. This means you don’t need a job or a big bank balance to start investing — all you need is consistency.
Best SIP Plans Starting from ₹100 in 2025 (For Students)
Here are some top-rated mutual funds that allow you to start investing with as low as ₹100:
- Nippon India Small Cap Fund
Minimum SIP: ₹100
Ideal for long-term high returns
Suitable for students willing to take some risk - ICICI Prudential Bluechip Fund
Minimum SIP: ₹100
Focuses on large, stable companies
Balanced risk and return - Axis Long Term Equity Fund (ELSS)
Minimum SIP: ₹100
Offers tax-saving benefits under Section 80C
Good for future planning - UTI Nifty Index Fund
Minimum SIP: ₹100
Low-cost index fund
Best for beginners and passive investors - Groww, Paytm Money, or Zerodha Coin Platforms
Direct mutual fund platforms
Zero commission
Easy to use for students with UPI and online KYC
How to Start SIP in 3 Easy Steps
Step 1: Complete your KYC
Use Aadhaar, PAN card, and your mobile number to get verified online.
Step 2: Choose a SIP Platform
Popular student-friendly options include Groww, Zerodha Coin, Paytm Money, and Kuvera.
Step 3: Select a Mutual Fund and Start SIP
Pick any of the above ₹100 SIP plans and set monthly auto-debit from your bank or UPI wallet.
Smart Tips for Student Investors
- Start early – Time is your biggest asset
- Be consistent – Never skip a month
- Don’t withdraw early – Let your money grow
- Set small goals – Save for a laptop, course fee, or emergency fund
- Track your investments – Use apps to monitor your SIPs
Conclusion
You don’t need thousands to start investing — just ₹100 is enough. For students in 2025, SIPs are the perfect gateway into the world of finance. It’s not about how much you invest, but how early and how regularly. So take control of your future today — one ₹100 SIP at a time