Top Micro-Investing Apps in India for Beginners in 2025

Do you want to start investing but don’t have a lot of money? Don’t worry! Micro-investing apps in India are making it super easy for beginners to invest even with just ₹10 or ₹100. In 2025, more young people, students, and first-time investors are using these apps to build wealth step by step.

What is Micro-Investing?

Micro-investing means investing very small amounts of money, often daily or monthly, into stocks, mutual funds, gold, or ETFs.

• You can start with as little as ₹10.
• The goal is to build the habit of investing early.
• Perfect for teenagers, students, or anyone new to investing.

2025

How Much Can You Earn with Micro-Investing?

Small, regular investments grow big over time. Try the scenarios or use the calculator below.

Scenario A

🪙 ₹10/day for 3 years

Expected return: 8% p.a.

Future Value ≈ calculating…

Scenario B

📅 ₹500/month for 5 years

Expected return: 10% p.a.

Future Value ≈ calculating…

Scenario C

🚀 ₹1,000/month for 10 years

Expected return: 12% p.a.

Future Value ≈ calculating…

🧮 Your SIP Calculator

Monthly Investment (₹) Years Expected Return (% p.a.)

Total Invested

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Estimated Returns

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Future Value

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Note: This is a simplified SIP estimate. Actual results vary with market performance. Consider long-term, consistent investing.

Why Micro-Investing is Popular in India (2025)

• 📱 Easy mobile apps with UPI support.
• 💰 Start with small amounts (no need for thousands).
• 🎯 Learn investing step by step.
• 🛡️ Safe and regulated by SEBI-approved platforms.
• 👨‍👩‍👧 Popular among young professionals and college students.

Best Micro-Investing Apps in India (2025)

1. Groww

• Simple app for beginners.
• Start investing in mutual funds, gold, and stocks with small amounts.
• UPI-based payments for quick investments.

2. Paytm Money

• Minimum investment starts at ₹100.
• Offers SIPs (Systematic Investment Plans) for easy saving.
• Good for beginners who use Paytm Wallet/UPI.

3. INDmoney

• Allows investments in Indian and US stocks.
• Tracks all your investments in one app.
• Great for those who want to explore international markets.

4. ET Money

• Start SIPs with ₹100.
• Helps you choose funds based on goals like saving for education, gadgets, or trips.
• Auto-tracking of expenses + investments.

5. Kuvera

• Free direct mutual fund investments.
• Goal-based investing for students and young professionals.
• No hidden charges.

How to Start Micro-Investing in 2025 (Step by Step)

1. Download a trusted app (like Groww, Paytm Money, or INDmoney).

2. Complete KYC (Aadhaar + PAN card needed).

3. Add small money via UPI (start with ₹100 or less).

4. Choose mutual funds, SIPs, or gold.

5. Invest regularly (daily/weekly/monthly).

Smart Tips for Beginners

• Start small but stay consistent.
• Avoid random stock-picking in the beginning.
• Focus on mutual funds or ETFs for lower risk.
• Re-invest your returns instead of spending.
• Set a financial goal (like buying a phone, laptop, or building savings).

🔹 Final Words

Micro-investing is one of the best ways for Indian beginners in 2025 to start their financial journey. You don’t need lakhs to begin—just your smartphone, UPI, and ₹10 can help you build good money habits.

👉 If you are a teenager, student, or first-time investor, these micro-investing apps are a smart first step towards financial freedom

FAQS Section 

Q1: What is micro-investing in India?
Micro-investing means investing very small amounts of money, starting from as low as ₹10 or ₹100, into mutual funds, stocks, gold, or ETFs using mobile apps.

Q2: Which is the best micro-investing app in India (2025)?
Some of the best micro-investing apps in 2025 are Groww, Paytm Money, INDmoney, ET Money, and Kuvera.

Q3: Can students and teenagers start micro-investing in India?
Yes! As long as you are 18+ with a PAN and Aadhaar card, you can start investing. Students can begin with SIPs as low as ₹100.

Q4: Is micro-investing safe in India?
Yes. Micro-investing apps regulated by SEBI and RBI are safe. Always use trusted platforms like Groww, Paytm Money, and INDmoney.

Q5: How much money do I need to start micro-investing?
You can start with as little as ₹10 or ₹100 depending on the app and investment option.