Investing doesn’t have to wait until someone has a large sum of money. With the rise of micro-investment apps, even beginners can start growing their wealth with as little as ₹100. These apps make investing simple, affordable, and accessible, perfect for people new to the financial world. By starting early with small amounts, beginners can build a disciplined habit that often leads to long-term financial growth.
Micro-investments refer to small, regular contributions toward financial instruments like mutual funds, stocks, or ETFs. Unlike traditional investing, where high minimums were a barrier, micro-investment apps let anyone begin with pocket-friendly amounts. For beginners, this means learning how markets work, gaining exposure to real financial products, and growing confidence without risking large sums.
Coin by Zerodha is one of the most popular apps for beginner investors because it allows direct mutual fund investing with low minimums. Users can start with small amounts like ₹100 and build systematic investment plans (SIPs) easily. Since Coin offers direct plans of mutual funds, it also helps reduce expense ratios and improve long-term returns compared to regular mutual fund plans.
Groww has become widely used among new investors seeking a clean and easy interface. With Groww, beginners can invest in both direct mutual funds and stocks with small amounts. The app provides useful learning resources, performance charts, and simple goal-based planning tools, making it an ideal platform for someone starting their financial journey with just ₹100.
ET Money turns small savings into systematic investments. Users can set up automatic micro SIPs in mutual funds using spare change from bank balances or recurring installments. Beyond mutual funds, ET Money also offers insurance products and financial insights, helping beginners understand broader money-management needs.
For beginners who want to explore equities with small amounts, Smallcase provides curated baskets of stocks or ETFs based on themes like “growth”, “value”, or “dividend income.” Instead of picking individual stocks, users can invest in a diversified theme with minimal amounts. This helps reduce risk while learning about different market strategies.
Kuvera focuses on helping beginners set investment goals — such as buying a phone, saving for vacations, or building an emergency fund, and then pick mutual funds that align with those goals. The app supports starting mutual fund SIPs with small amounts and offers tax-saving options, charts, and automated advice that make investing less overwhelming.
Starting small doesn’t mean dreaming small. The key is consistency. New investors should set clear goals, choose the app that feels most intuitive, and begin with disciplined micro SIPs. Over time, as savings grow and confidence increases, it becomes easier to explore larger investment amounts and additional asset classes.
Micro-investment apps remove traditional barriers to investing and make financial markets accessible for anyone. For beginners, starting with ₹100 isn’t just about small money, it’s about building the right habit, learning by doing, and setting the foundation for bigger financial goals. With patience and consistency, even modest investments can grow into meaningful wealth.