I Started Investing With Just ₹500/Month — Here’s What Happened
🚫 I Wasn’t a Finance Person
I’m not a finance expert. I’m not some spreadsheet-loving person who always knew how to manage money. Truth is, I avoided anything that had “interest rates” or “returns” in the sentence. It just seemed boring.
But one day, something shifted.
I opened my bank app to check my salary, and the balance made me pause. Not because it was low (which it was), but because it hadn’t moved much in months. I was earning, yes — but saving? Not really.
I didn’t want to live like that anymore.
🤷♂️ I Had No Clue What I Was Doing
Let me be honest — I knew nothing about investing. Mutual funds, SIPs, index funds… just fancy words to me. I thought SIPs were only for people earning ₹1 lakh+ per month.
Turns out, I was dead wrong.
A friend casually mentioned she had been investing ₹500/month in a SIP. She wasn’t rich, just a regular person like me.
That’s when I realized — maybe this investing thing isn’t just for the wealthy.
📱 How I Started My First SIP with ₹500
On a random Tuesday night, I downloaded the Groww app.
- Got stuck in KYC.
- Almost gave up.
- Tried again two days later — and it worked.
I picked a balanced mutual fund (because the name sounded calm) and started a ₹500 SIP.
Was I confident? Nope.
Was I excited? Kind of.
Was I consistent? That’s what made the difference.
📈 What ₹500 Per Month Actually Did for Me
For the first few months, I didn’t even check the app. I treated it like a forgotten savings jar.
But 7 months in, I opened the app out of boredom — and saw my money had grown.
Not a lot, but enough to make me smile.
So I increased it to ₹800/month. Then ₹1,000. Every time I skipped one dinner out or avoided impulse shopping, I invested that money.
Small habits. Big mindset shift.
❌ Mistakes I Made (So You Don’t Have To)
Let’s be real — I messed up too:
- Picked a mutual fund just because it had 5 stars ⭐
- Checked my SIP daily during a market dip 😬
- Tried to “time the market” after one YouTube video 🤦
💡 Lessons I Learned:
- Keep it simple.
- Keep it steady.
- Ignore the noise.
💬 What Investing Really Feels Like
Investing is not like crypto hype or lottery thrill. It’s slow, sometimes boring, but deeply reassuring.
You go from “Where did my money go?” to “Hey, this graph is going up!”
I stopped checking balances every day.
I stopped chasing hot stock tips.
I just found my rhythm — and stuck to it.
🛠️ How You Can Start Investing in India Today
You don’t need ₹10,000. You just need:
- ✅ A PAN card
- ✅ A simple investing app (Groww, Zerodha, etc.)
- ✅ ₹500 or whatever you can spare
- ✅ Patience (a lot of it)
There’s no “right time.” Start now. Even if it’s ₹100/month.
🧠 My Simple, Non-Jargon Investing Tips
- 📵 Turn off notifications — You don’t need market updates daily
- 🍕 Swap one pizza per month for an extra ₹300 SIP
- 📚 Read The Psychology of Money — wish I read it sooner
- 🙅♂️ Stop comparing your journey — most people are just pretending
🏁 Final Thoughts: Why ₹500 Was a Game-Changer for Me
Look, I’m not rich yet. But I’m not afraid anymore either.
That’s what investing did for me. It gave me:
- Confidence
- Control
- Direction
Even if I never “make it big,” I know I’m doing better than the old me who used to scroll Amazon during a sale with zero savings in his account.
✅ So if you’re waiting for a sign to start investing — this is it.
Start today. Not for anyone else. Do it for you.
📌 Bonus: Tools to Start Your SIP Journey
Here are a few beginner-friendly apps in India:
Have questions or your own SIP story? Drop a comment below!
Comments
Post a Comment