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How to Start Investing with Just ₹100: A Beginner’s Guide

Investing doesn't require a hefty sum to get started. In fact, you can begin building wealth with as little as ₹100. Whether you're in India or globally, there are plenty of investment options that can help you grow your money—even with a small starting amount. This guide will walk you through simple ways to begin investing with a small budget.

1️⃣ Open an Investment Account

The first step in your investment journey is opening an account with a trusted platform. Here are some options:

For Indian Investors:

  • Zerodha, Upstox, and Groww are popular platforms where you can open a demat account for free. These platforms allow you to buy stocks, mutual funds, ETFs, and more with minimal fees.
  • Direct Mutual Fund Investments: Apps like ET Money or Groww offer a direct mutual fund option, which means no commissions are paid to distributors—leading to lower costs and higher returns.

Global Investors:

  • Platforms like Robinhood, Fidelity, or Charles Schwab offer brokerage accounts where you can invest in stocks, ETFs, and even fractional shares.

2️⃣ Invest in Low-Cost ETFs or Index Funds

For Indian Investors:

  • Nippon India Nifty 50 ETF, SBI Nifty ETF, and HDFC Sensex ETF are some of the top exchange-traded funds (ETFs) you can invest in for a low-cost, diversified option.
  • Mutual Funds like Axis Bluechip Fund or HDFC Equity Fund allow you to invest in a mix of large-cap companies in India. You can start with as little as ₹500.

Global Investors:

  • Global ETFs like the SPDR S&P 500 ETF (SPY) or Vanguard Total Stock Market ETF (VTI) allow you to invest in a broad range of U.S. companies, offering global diversification.
  • Global Index Funds like Vanguard FTSE All-World ex-US Index Fund offer exposure to international markets.

3️⃣ Dollar-Cost Averaging (DCA)

With a small amount like ₹100, you can still practice dollar-cost averaging. This strategy involves investing a fixed amount regularly, regardless of the market’s fluctuations.

For Indian Investors:

  • You can use platforms like ET Money or Groww for SIP (Systematic Investment Plans). With SIPs, you can invest as little as ₹100 in mutual funds, spreading your investment over time and reducing the risk of market timing.

Global Investors:

  • Use global platforms like Wealthfront or Betterment, which automatically implement dollar-cost averaging for you in their portfolios.

4️⃣ Consider Fractional Shares

Investing in fractional shares is a great way to get started, especially for expensive stocks like Tesla or Amazon.

For Indian Investors:

  • Upstox and Zerodha allow you to buy fractional shares of Indian stocks like Reliance Industries or HDFC Bank, allowing you to start investing with even small amounts.

Global Investors:

  • Global platforms like Robinhood, Fidelity, and Charles Schwab allow you to buy fractional shares of high-value stocks such as Amazon, Google, and Apple, even with just a few dollars.

5️⃣ Explore Peer-to-Peer Lending

Peer-to-peer (P2P) lending allows you to lend money to individuals or small businesses in exchange for earning interest. It’s a higher-risk, higher-reward investment option.

For Indian Investors:

  • Lendbox and Faircent are popular P2P lending platforms in India where you can start investing with amounts as low as ₹1,000.

Global Investors:

  • Prosper and LendingClub are well-known P2P platforms globally that allow you to lend as little as $25 to borrowers in the U.S.

6️⃣ Start a High-Interest Savings Account or Fixed Deposit (FD)

While not technically "investing," a high-yield savings account or a fixed deposit (FD) can be a good way to park your money and earn passive income.

For Indian Investors:

  • Fixed Deposits (FDs) with banks like HDFC or SBI offer fixed returns, with interest rates ranging from 4% to 7%. You can start an FD with as little as ₹100.
  • Online Savings Accounts with platforms like RazorpayX and IndusInd Bank offer attractive interest rates on savings accounts.

Global Investors:

  • High-yield savings accounts in the U.S., such as Ally Bank or Marcus by Goldman Sachs, offer returns of around 1% to 2% annually, while CDs (Certificates of Deposit) offer fixed rates for a specified term.

Final Thoughts

Investing with just ₹100 might seem small, but it’s the first step toward financial growth. Consistency and long-term thinking are the keys. Start early, stay disciplined, and keep learning to build your wealth over time.

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