How to Start Investing with ₹1000/month
Small amounts create big outcomes when you stay consistent. Here is a simple blueprint.
Step 1: Build a one-month emergency buffer
Park it in a high-yield savings account or liquid mutual fund. Safety first.
Step 2: Start SIPs
- ₹600 in a Nifty 50 index fund
- ₹400 in a short-duration debt fund
Step 3: Automate increases
Every year, increase SIP by 10–20%. A ₹1000 SIP growing 15% yearly becomes ₹4,000+ in 10 years.
Step 4: Stay the course
Don’t stop SIPs during market corrections. Use falls to add more if your emergency fund is intact.
Expected outcomes
At 12% annual equity returns, a ₹1000 monthly SIP can grow to ~₹2.3 lakh in 10 years. With annual step-ups, this can be much higher.