Investing in mutual funds is no longer just for big investors.
Today, anyone can start small — even with just Rs 100 per month.
Thanks to micro SIPs (Systematic Investment Plans), fund houses have made it easier than ever for small investors to take their first step toward wealth creation.
This simple yet powerful option helps new investors start without financial pressure while building the habit of saving regularly.
Over time, these small contributions can grow into a large corpus through the magic of compounding.
Why a Rs 100 SIP Is a Game-Changer
Many people hesitate to invest, believing it requires a big amount. But a Rs 100 SIP removes that mental barrier.
It gives beginners the confidence to start investing — no matter how limited their income may be.
It’s also flexible. You can start small and gradually increase your SIP amount as your income grows.
This makes micro SIPs perfect for students, freelancers, gig workers, or homemakers who may have irregular or smaller incomes.
Even better, these small investments — when made consistently — help you develop discipline and long-term financial confidence.
5 Top-Rated HDFC Mutual Funds You Can Start with Rs 100
If you’re wondering where to begin, here are five 5-star rated HDFC mutual funds (as per Value Research and CRISIL) that let you start with just Rs 100 — either through SIP or lump-sum investment.
HDFC Flexi Cap Fund – Direct Plan
Minimum investment: Rs 100 (SIP or lump sum)
Return since inception: 17.04%
Assets: Rs 91,041 crore
Risk level: Very High
This fund offers flexibility for both small and long-term investors.
You can even withdraw as little as Rs 100.
HDFC Focused Fund – Direct Plan
Minimum investment: Rs 100
Return since inception: 15.90%
Assets: Rs 25,140 crore
Risk level: Very High
A strong long-term performer that helps small investors participate in equity markets easily.
HDFC Large Cap Fund – Direct Plan
Minimum investment: Rs 100
Return since inception: 14.11%
Assets: Rs 39,779 crore
Risk level: Very High
Perfect for investors looking for stability from large, established companies.
HDFC Mid Cap Fund – Direct Plan
Minimum investment: Rs 100
Return since inception: 21.17%
Assets: Rs 89,383 crore
Risk level: Very High
Ideal for those seeking higher returns through mid-sized company exposure.
HDFC Retirement Savings Fund – Equity Plan (Direct)
Minimum investment: Rs 100
Return since inception: 19.87%
Assets: Rs 6,969 crore
Risk level: Very High
A great choice for long-term investors planning their retirement corpus.
How Much Can Rs 100 Really Grow?
The power of compounding can turn small savings into big money over time.
Let’s assume:
SIP: Rs 100
Step-up: 20% every year
Duration: 30 years
Return: 15% annually
At the end of 30 years, your total invested amount would be Rs 14.18 lakh, and your corpus could grow to Rs 44.34 lakh — all starting with just Rs 100 a month.
This shows that time and consistency matter far more than the initial amount.
How to Start Your Rs 100 SIP
Starting a SIP today is quick and fully online:
Complete your digital KYC using PAN and Aadhaar.
Visit a trusted mutual fund platform or app.
Choose your fund and enter Rs 100 as your investment.
Set up auto-debit for monthly SIP deductions.
No paperwork, no hassle — just a few clicks to begin your investment journey.
Final Thoughts: Small Steps, Big Rewards
In investing, the size of your start doesn’t matter — your consistency does.
A Rs 100 SIP may seem tiny today, but over time, it can grow into something substantial.
The key is to begin early, stay regular, and let compounding do its magic.
So, don’t wait for the “right time” or a “big amount.”
Start with what you have — even if it’s Rs 100 — and take your first step toward long-term financial growth.
