Start Small. Grow Big.
How to Start SIP with Just ₹500
You do not need a big lump sum to begin your investment journey. A disciplined ₹500 per month in a mutual fund SIP can harness the power of compounding, build wealth quietly, and create financial confidence.
Why ₹500 is Enough to Start
Starting early matters more than starting big. A ₹500 SIP builds discipline, benefits from rupee cost averaging, and lets compounding work for you. As your income grows, you can always increase the amount.
Low Entry Barrier
No need to wait for a large lump sum. Start now, build the habit, and let time do the heavy lifting.
Compounding + Discipline
A small, regular amount accumulates units over market cycles. Staying invested lets compounding multiply your money.
How ₹500/Month Can Grow Over Time
Small amounts need time. Assuming long-term equity mutual fund returns, here is how ₹500 per month can potentially grow.
10 Years
~₹1.12 L
Invested: ₹60,000 | Value @12% CAGR*
20 Years
~₹4.95 L
Invested: ₹1.2 L | Value @12% CAGR*
30 Years
~₹17.3 L
Invested: ₹1.8 L | Value @12% CAGR*
*Illustrative figures to demonstrate the power of compounding. Actual returns depend on market performance. Mutual fund investments are subject to market risks.
Common Myths About Starting Small
"₹500 is too small"
Reality: Discipline beats size. Early, consistent investing matters more than waiting for the perfect amount.
"I'll start when I have more"
Reality: Delaying costs you years of compounding. Start with ₹500 now and increase later.
"SIP is only for wealthy people"
Reality: SIP was created to make investing accessible. Anyone can start with a few hundred rupees.
"Markets are risky, I'll lose money"
Reality: SIP uses rupee cost averaging to navigate volatility. Staying invested long term reduces timing risk.
How to Start Your ₹500 SIP
Complete KYC (one-time)
Verify PAN, Aadhaar, and bank details. Takes minutes and unlocks investing.
Pick the Right Fund
Choose equity/hybrid based on your goals and time horizon. We guide you.
Set Auto-Debit
Enable monthly auto-debit of ₹500 from your bank to keep discipline intact.
Review & Top-Up
Increase to ₹600/₹1,000 as income grows. Add TOP-UP SIP to accelerate.
Why Mutual Funds + SIP for ₹500?
Diversification
Even ₹500 gets spread across many companies, reducing single-stock risk.
Professional Management
Experienced fund managers research, rebalance, and manage risk for you.
Flexibility & Liquidity
Modify, pause, or redeem when needed. Transparent NAV and portfolio disclosures.
Boost It with TOP-UP SIP
Start with ₹500 and add a small increase every year. TOP-UP SIP automatically steps up your monthly amount to match your growing income.
Normal SIP
- • ₹500/month for 20 years
- • Invested: ₹1.2 L
- • Estimated Value*: ~₹4.95 L
TOP-UP SIP
- • ₹500/month + ₹100 yearly increase
- • Invested: ~₹1.9 L over 20 years
- • Estimated Value*: ~₹7.5 L
*Illustrative numbers @12% CAGR for long-term equity funds. Actual results depend on market performance and chosen schemes.
How HRP Wealth Helps You Start
Goal-Based Guidance
Identify your goals, time horizon, and risk comfort. We suggest suitable fund categories and SIP amounts.
Simple Onboarding
Quick KYC, bank mandate setup, and SIP registration with step-by-step assistance.
Ongoing Support
Regular reviews, portfolio health checks, and guidance on TOP-UP SIP to keep you on track.
Ready to Start with Just ₹500?
The best time to start was yesterday. The second-best time is today. Begin your SIP, build the habit, and let compounding work for you.
Disclaimer
Figures and projections are illustrative. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance may or may not be sustained in the future and is not a guarantee of returns.
The information here is not investment advice or an offer to buy/sell any investment product. Please assess your risks and consult a qualified professional before investing.
HRP WEALTH | 9327141436 | hrpwealth@gmail.com | AMFI Registered Mutual Fund Distributor (ARN-342284) | Not a SEBI-registered Investment Adviser
