If you have been telling yourself you will start investing “when you earn more,” this is your sign to begin smaller than you think.
A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund every month. Many fund houses in India allow SIPs starting at ₹100–₹500. The point is not the amount — it is the habit.
Start by opening a demat account with a reputable platform, completing your KYC, and picking a diversified index fund or large-cap fund if you are new. Set the SIP date right after salary credit so you invest before you spend.
Track progress quarterly, not daily. Markets move; your job is consistency. Increase the SIP amount when you get a raise, even by ₹500.