Mutual Fund SIP Investment @ Rs. 100 Per Month

by Ramesh | Last Updated On October 13, 2022

Start Mutual Fund SIP Investment @ Rs. 100 Per Month.

Start Mutual Fund SIP Investment @ Rs. 100 Per Month. Yes, Minimum Amount to Start Investment in Mutual Funds Via SIP Plan is Rs. 100.

Mutual Fund SIP Investment

Table of Contents

Start Investing in Top Mutual Funds with just Rs.100

Many People Ask:

Can I start mutual funds with 100 Rs?
Can I start investment with 100 Rs?
Which mutual fund is best for beginner?
How can I invest ₹ 500 per month in mutual funds?

The Answer is – Yes, you can start investing in Mutual Funds through SIP with an amount as low as ₹100, ideal for beginners who are looking to start with small amount.

Minimum investment amount has helped mutual funds houses and online platforms attract fresh investors. So, do not waste your time just dreaming to start investing. Once you have planned your investment goals, you can start by investing as little as Rs. 100 through SIP in Mutual Funds.

Many mutual fund houses offer the facility to start SIP with an amount as low as Rs. 100. Though mutual funds allow ₹100 SIP, it may not be enough for most investors. Once you are comfortable investing more, you can top up your SIP or start a fresh SIP.

Always do your math to accumulate a sufficient corpus for your short-term and long-term goals. Some efforts done today will produce wonderful returns in future. There are several mutual funds that allow an investment of ₹100, and this is true for SIP as well as a lump sum investment. Minimum investment in mutual funds is dependent on the fund you’re investing in. There are multiple top performing funds with great asset management strategies that one can look to invest.

Did You Know? – You Don’t even need a Demat Account to Start Investing in Mutual Funds Via SIP!

Also Read:

How and When to Start Investment in Mutual Funds Via SIP?

Before investing in a Mutual Fund, one should understand his or her risk appetite, the financial goal, product knowledge and time horizon. Goal based investment is always preferred over lump sum investment. So it is important to consider the various aspects and then start investing.

You can fix the SIP amount, and the date for investing and the units based on the current NAV (Net Asset Value) will be credited to your account. The interest which you earn after your units get re-invested enables you to get compound interest on the re-invested amount. Also, your SIP amount need not remain fixed. With time our income increases, and it also increases the capacity of an individual to invest.

So, in that scenario, you can either purchase a new scheme or add a top-up to your current scheme. Increasing your SIP amount every year is also known as step-up SIP.

Did You Know? – Investment in Mutual Funds Via SIP a kind of Equity Investment in Stock Market in India!

Also Read:

Top 7 Best Performing SIP Mutual Funds to Start Investment @ Rs. 100 Per Month

S#	Mutual Fund	Avg. Return (3 Years)
1.	ICICI Prudential Value Discovery Fund	17.23% p.a.
2.	Nippon India Growth Fund	17.96% p.a.
3.	Kotak Bluechip Fund	12.2% p.a.
4.	UTI Mastershare Unit Scheme	11.97% p.a.
5.	ICICI Prudential Bluechip Fund	11.58% p.a.
6.	Aditya Birla Sun Life Flexi Cap Fund	10.97% p.a.
7.	Nippon India Large Cap Fund	9.29% p.a.

Fundamentals: Top 7 Best Performing SIP Mutual Funds

Start small, build big, with these Top 7 Best Performing SIP Mutual Funds starting @ Rs. 100:

1. ICICI Prudential Value Discovery Fund

ICICI Prudential Value Discovery Fund

Avg. Return (Last 3 Years): 17.23% p.a.
Avg. Return (Last 5 Years): 12.24% p.a.
Avg. Return (Since Launch): 19.36% p.a.
Launch Date: 16-Aug-2004
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Value
Expense Ratio: 1.76%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 12 Months

2. Nippon India Growth Fund

Nippon India Growth Fund

Avg. Return (Last 3 Years): 17.96% p.a.
Avg. Return (Last 5 Years): 12.76% p.a.
Avg. Return (Since Launch): 21.57% p.a.
Launch Date: 08-Oct-1995
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Mid Cap
Expense Ratio: 1.89%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 30 Days

3. Kotak Bluechip Fund

Kotak Bluechip Fund

Avg. Return (Last 3 Years): 12.2% p.a.
Avg. Return (Last 5 Years): 10.41% p.a.
Avg. Return (Since Launch): 17.63% p.a.
Launch Date: 06-Feb-2003
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Large Cap
Expense Ratio: 2.04%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 12 Months

4. UTI Mastershare Unit Scheme

UTI Mastershare Unit Scheme

Avg. Return (Last 3 Years): 11.97% p.a.
Avg. Return (Last 5 Years): 10.73% p.a.
Avg. Return (Since Launch): 17.12% p.a.
Launch Date: 01-Aug-2005
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Large Cap
Expense Ratio: 2.04%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 12 Months

5. ICICI Prudential Bluechip Fund

ICICI Prudential Technology Fund

Avg. Return (Last 3 Years): 11.58% p.a.
Avg. Return (Last 5 Years): 11.03% p.a.
Avg. Return (Since Launch): 13.58% p.a.
Launch Date: 23-May-2008
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Large Cap
Expense Ratio: 1.70%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 12 Months

6. Aditya Birla Sun Life Flexi Cap Fund

Aditya Birla Sun Life Digital India Fund

Avg. Return (Last 3 Years): 10.97% p.a.
Avg. Return (Last 5 Years): 8.83% p.a.
Avg. Return (Since Launch): 21.29% p.a.
Launch Date: 27-Aug-1998
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Flexi Cap
Expense Ratio: 1.83%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 90 Days

7. Nippon India Large Cap Fund

Nippon India Growth Fund

Avg. Return (Last 3 Years): 9.29% p.a.
Avg. Return (Last 5 Years): 9.85% p.a.
Avg. Return (Since Launch): 10.94% p.a.
Launch Date: 08-Aug-2007
Lock in Period: No Lock-in
Risk: Very High
Equity Type: Large Cap
Expense Ratio: 1.87%
Plan Type / Option: Direct / Growth
Minimum Investment Amount: Rs. 100
Exit Load: 1% / 7 Days

Check:

Mutual Funds for SIP Investment FAQ

What is SIP?

SIP or Systematic Investment Plan is an Investment Option in a Mutual Fund Scheme that allows Investor to invest a fixed amount at regular intervals. SIP is Best for People with Limited Income and Saving and those who want to invest a Fixed Amount Every Month in Stock Market in a hassle-free manner.

Is Mutual Fund SIP Good Investment Option?

Yes, Investment in Equity Via Mutual Fund SIP is a Good Investment Option. It Reduces the Average Cost of Mutual Fund Units. If an Investor keeps investing a fixed amount through SIP, even during Stock Market Fluctuation or Marker Crash, the Average Cost per Unit is Lower as compared to Lump Sum Investment.

Which Mutual Fund is Best for SIP?

I have already Mentioned: Top 7 Best Performing SIP Mutual Funds to Start Investment @ Rs. 100 Per Month

Is Mutual Fund SIP Profitable?

Yes, Mutual Fund SIP is ALWAYS Profitable is a Fast Growing Indian Economy. This is one reason why Foreign Portfolio Investors / Foreign Institutional Investors (FPIs /FIIs) are Investing More in Indian Stock Market.

I don't endorse high returns such as - 22.26% Return in 1 Year OR 69.12% Return in 2 Years OR 92.15% Returns in 3 Years OR 111.81% Returns in 5 Year SIP.

But, in simple terms, Returns from SIP will always be Higher than Current Inflation or Interest that we get from a Bank FD. This is ALWAYS True (even during Pandemics and Market Crash) in case of a Fast Developing Economy like India. In fact Pandemics and Market Crash are BIG Opportunities to Invest More in Equity Via SIP in MFs because you Get Cheaper Mutual Fund Units that you can Sell at High Price Later.

Which SIP is Best for 1 Year?

S. No	Mutual Fund	1 Year Return
1.	Axis Bluechip Fund	52.52%
2.	Axis Focused 25 Fund	61.91%
3.	DSP Equity Fund	31.90%
4.	Franklin India Focused Equity Fund	80.39%
5.	HDFC Balance Advantage Fund	55.65%
6.	ICICI Prudential Bluechip Fund	59.24%
7.	Kotak Standard Multicap Fund	48.94%
8.	Motilal Oswal Focused 25 Fund	40.77%
9.	Nippon India large Cap Fund	69.69%
10.	TATA India Consumer Fund	40.09%

Can I Make Loss in Mutual Fund SIP?

Yes, Sometimes. This is because of Wrong Selection of Mutual Fund. Sometimes, Investors get Panicked, mainly during Market Crash or a Pandemic and Sell their Mutual Fund at Loss to Prevent Further Loss. Because of these Immature Mistakes, some Investors, especially beginners, have to suffer loss instead of profit.

What Happens if I Fail to Pay my SIP?

Mutual Fund Companies don't penalize investors for non-payment of 2 consecutive SIP Installments. Your SIP will automatically get cancelled if you fail to pay 3 consecutive SIP Payment. Your Bank may also charge you with some penalty for dishonoring the auto debit payments.

Is SIP Better Option than Bank FD?

Yes, Systematic Investment Plan is a Better Investment Option than a Bank FD considering advantages like Flexibility, Diversification, Tax Benefits and Higher Returns.

Conclusion

I hope now you understand How to Start Mutual Fund SIP Investment @ Rs. 100 Per Month. So START your Mutual Fund SIP Investment Today. Good Luck!

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