How to Start Investing with ₹100 in Indian Stock Market
Introduction: My ₹100 Investment Story
Back in college, I had just ₹500 lying idle in my Paytm wallet. I saw a YouTube video saying you can turn ₹500 into ₹5,000 in the stock market. That excitement pushed me to try it — I picked a random penny stock and invested ₹500, thinking I’d cracked the code. Two days later, I checked again. My ₹500 had become ₹220. A harsh slap from reality.
But instead of quitting, I paused and reflected. I started researching how the market really works, what apps are safe, and how small investments can grow if handled wisely. This time, I tried again — with just ₹100, but a better plan. That was the real beginning of my investing journey.
If you’re someone who wants to start investing with ₹100 in India, this blog is for you. I’ll walk you through every step — from choosing the right platform, to avoiding scams, to actually making that first trade confidently.
Can You Really Start with ₹100 ?
Yes! Thanks to modern apps and platforms, you can begin your investment journey with as little as ₹100.
Here’s how:
- Buy a fractional stock (partial share)
- Start a SIP in a Mutual Fund
- Invest in Digital Gold or ETFs
You don’t need ₹10,000 to start — you need ₹100 and discipline.
Why Small Investment is Smart in 2025
In a world full of YouTubers showing ₹1 crore portfolios, starting small may seem boring.
But it’s the safest and smartest way to learn.
- You make mistakes with less risk
- You learn the app, terms, charts
- You build consistency
- You test your emotions and discipline
If you lose ₹10, it’s a lesson. If you gain ₹12, it’s a win.
Best Apps to Invest in Stocks (2025)
Here are the most beginner-friendly apps:
- Groww
- Simple UI
- Easy SIPs
- Mutual funds + Stocks
- Zerodha
- Trusted brand
- Best for serious stock market use
- More advanced tools
- Upstox
- Fast setup
- Clean interface
- Good for stock trading
Groww vs Zerodha – Which One is Better ?
| Feature | Groww | Zerodha |
|---|---|---|
| Best For | Mutual Funds, Beginners | Stocks, Traders |
| UI | Extremely simple | More advanced |
| Charges | Free MF investing | Brokerage applies |
| Start With | ₹100 | ₹100 |
| Learning Tools | Moderate | Advanced |
Use Groww if you just want to start investing passively.
Use Zerodha if you want to trade or explore charts.
Where to Invest ₹100 ? Stocks vs Mutual Funds
Mutual Funds
- You can start a SIP of ₹100/month in most direct mutual funds
- Safe, diversified, no active management needed
- Ideal for long-term wealth building
Stocks
- Buy fractional shares or low-price stocks
- Learn market trends and stock behavior
- Riskier, but offers faster learning
Mistakes to Avoid as a ₹100 Investor
- Don’t chase penny stocks hoping for 10x
- Don’t follow random Telegram tips
- Don’t invest without knowing the company
- Don’t treat it like gambling
- Don’t invest ₹100 and expect ₹1000 next week
You’re not investing to get rich in 1 month. You’re investing to get smarter in 1 year.
If you’re confused between stocks vs mutual funds as a beginner, just remember — both have their pros and cons. Stocks can give faster returns but require more knowledge and risk tolerance, while mutual funds offer managed exposure and are ideal for passive investors. Either way, if you’re planning to start small investment in India, you can begin with as little as ₹100 using trusted apps and beginner-friendly strategies shared in this guide.
Frequently Asked Questions (FAQs)
1. Is it safe to invest ₹100 in stock market?
Yes. Use SEBI-registered platforms like Zerodha or Groww to ensure safety.
2. Can I buy shares with ₹100?
Yes. You can buy small-cap shares or fractional units of large stocks/ETFs.
3. Which is better: SIP or direct stock purchase?
For beginners, SIP is safer. Direct stocks need learning and time.
4. What are the best stocks under ₹100?
Avoid penny stocks. Look for strong, low-priced stocks with good fundamentals.
5. How to track my ₹100 investment?
All apps like Groww or Zerodha give real-time updates on your portfolio.
Final Advice + Call to Action
Starting with ₹100 is not about money — it’s about momentum. If you start now, in 1 year you won’t care about the ₹100 — you’ll care about how far you’ve come.
Want personal help choosing your first stock or SIP?
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Also read: What is Sensex and Nifty ?
