Many people put off investing because they think it needs a high salary or a big savings balance. In reality, investing works best when you start early and stay consistent, even with a small amount.
A Mutual Fund SIP lets you begin with just ₹100 per month. Give it time, keep it regular, and this modest start can turn into a useful amount.
This article explains—plainly and honestly—how much a ₹100 SIP can grow in 15 years, how the numbers are calculated, and who should consider starting.
What Is a SIP?
How Does a SIP Work?
The funds are put into a mutual fund.
Rather than investing all at once, you invest gradually.
Market swings usually average out over time.
Your money can grow thanks to compound interest.
Because of its simplicity and discipline, SIP is often the easiest place for beginners to start.
Is a ₹100 SIP Worth Starting?
₹100 a month is equivalent to ₹3–4 per day. It is easy to continue and doesn't place a strain on your cash, even during challenging months. That's why it works so well.
Students
First-time investors
Homemakers
Low-income earners
Anyone learning how investing works
Once the habit is set, you can increase the amount later.
₹100 SIP Return After 15 Years (Clear Calculation)
How much can a ₹100 SIP grow in 15 years?
Assumptions used:
Monthly SIP: ₹100
Period: 15 years (180 months)
Expected annual return: 12%
(This is an estimate based on long-term averages, not a guarantee.)
| Details | Amount / Value |
|---|---|
| Monthly SIP | ₹100 |
| Investment Duration | 15 Years (180 Months) |
| Total Investment | ₹18,000 |
| Expected Annual Return | 12% |
| Estimated Value | ₹50,000 – ₹55,000 |
You invest ₹18,000 in total. Over time, compounding can lift this to nearly three times the invested amount.
How Compounding Helps SIP Investors
Early years feel slow
Mid years show steady progress
Later years pick up speed
For this reason, SIP values patience and time above all things.
Why Time Is More Important Than Amount
Common mistakes:
Expecting quick gains
Stopping SIP when markets fall
Quitting after a year or two
Stick with a ₹100 SIP for 15 years and short-term market swings matter far less. Continue for 20–25 years, and the result can be much bigger—even without raising the monthly amount.
Is a ₹100 SIP Worth It?
Build discipline
Teach you how mutual funds behave
Create a long-term mindset
For beginners, that foundation is valuable.
Who Should Start a ₹100 SIP?
This option suits:
Students and young professionals
First-time mutual fund investors
People with limited monthly savings
Anyone planning long-term goals
It’s useful for learning, future planning, and steady wealth building.
Benefits at a Glance
Very low starting amount
Easy to maintain
No need to time the market
Encourages regular saving
Designed for long-term growth
Last Thoughts
If ₹100 doesn't feel like enough, remember that investing isn't about size; it's about starting and continuing.
A ₹100 SIP, continued for 15 years, can grow into a solid amount because of time, consistency, and patience. Start small, stay regular, and let compounding do the work.
Disclaimer:
This content is for information only. Mutual fund investments involve market risk, and returns are not assured. Always seek advice from a qualified financial advisor before investing.
