The minimum investment amount in mutual funds in India usually starts from just ₹500 to ₹1,000 for SIP (Systematic Investment Plan) and around ₹5,000 for lump sum investment. This makes mutual funds affordable for almost everyone, as you don’t need a huge amount to start investing. Different types of mutual funds have different minimum investment amounts depending on the fund house and scheme.
What is the Minimum Investment in Equity Mutual Funds?
For equity mutual funds, the minimum SIP investment generally starts from ₹500 per month. If you prefer a lump sum, most equity mutual funds ask for ₹5,000 as the initial minimum. After that, you can usually top up with smaller amounts like ₹1,000. This makes equity funds a good option for beginners who want to start small but grow wealth in the long term.
What is the Minimum Investment in Debt Mutual Funds?
Debt mutual funds are popular among investors looking for safer options than equity. The minimum SIP amount here also starts from ₹500 to ₹1,000, while lump sum investment is usually ₹5,000. Some short-term and liquid debt funds allow lump sum investments as low as ₹1,000, making them flexible and suitable for people who want short-term parking of money.
What is the Minimum Investment in Hybrid Mutual Funds?
Hybrid mutual funds invest in both equity and debt, giving a balance of risk and return. The SIP minimum here is generally ₹500 to ₹1,000, while the lump sum minimum is ₹5,000. Many investors prefer hybrids as they don’t need to choose between equity and debt; the fund manager does it for them.
What is the Minimum Investment in Index Funds?
Index funds are a type of equity fund that follow stock market indices like Nifty 50 or Sensex. The SIP minimum investment in index funds is ₹500, and lump sum starts at ₹5,000. These funds are low-cost and suitable for long-term investors who want steady growth without paying high fees.
What is the Minimum Investment in ELSS (Tax Saving Mutual Funds)?
ELSS (Equity Linked Savings Scheme) is a tax-saving mutual fund under Section 80C. The minimum SIP investment in ELSS is ₹500, and the lump sum starts at ₹500 to ₹1,000 depending on the AMC. ELSS has a lock-in period of 3 years, which is the shortest among all tax-saving instruments, and is a great option for people who want both tax benefits and wealth creation.
What is the Minimum Investment in Liquid Mutual Funds?
Liquid mutual funds are used for very short-term investments, often just a few days or weeks. The lump sum minimum investment in liquid funds is often as low as ₹500 to ₹1,000, making them very accessible. Many investors use liquid funds instead of savings accounts for better returns and instant redemption options.
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