LIC Mutual Fund Launches Rs 100 Daily SIP: A Gateway to Accessible Wealth-Building

In a powerful step towards making investment accessible for all, LIC Mutual Fund has introduced a new daily SIP (Systematic Investment Plan) starting at just Rs 100. This initiative aligns with SEBI’s vision to encourage micro SIPs and empower retail investors, reducing the minimum daily SIP from Rs 300 to Rs 100. Additionally, the minimum monthly SIP has been lowered from Rs 1,000 to Rs 250, making wealth-building more accessible than ever before.

Investing Made Simple and Affordable

For many, investing in mutual funds can seem intimidating. But now, with LIC Mutual Fund’s new Rs 100 daily SIP, small investors—especially young professionals, small shopkeepers, and those with modest incomes—can take their first steps toward financial growth. Shweta Rajani, Head of Mutual Funds at Anand Rathi Wealth Limited, calls this a “big step towards making investing simpler and more accessible.” She emphasizes that this new SIP option enables individuals to start with small amounts and build a substantial corpus over time.

Daily SIP vs. Monthly SIP: Which is Better?

A key question for many investors is whether a daily SIP provides better returns than a monthly SIP. Rajani clarifies that the difference in returns between the two options is minimal—roughly 0.1 percent. For those already comfortable with monthly SIPs, continuing with this approach remains a sound strategy. However, the Rs 100 daily SIP is an excellent choice for individuals with lower, variable incomes who want a manageable way to save and invest consistently.

Who Benefits from Rs 100 Daily SIP?

This initiative is ideal for:

• Young professionals starting their financial journey
• Small business owners or shopkeepers looking for secure investment avenues
• Individuals with modest income who wish to develop disciplined saving habits

By investing just Rs 100 a day, people from all walks of life can steadily accumulate wealth without feeling financially stretched. This small but consistent investment can make a meaningful difference over time, helping individuals work towards long-term financial security.

Key Tips for Successful Investment

Rajani advises that before investing, it’s essential to understand your financial goals—whether short-term or long-term. Diversifying your investments across different market cap categories can help balance risk and provide stability. Remember, the ultimate goal is to achieve returns that exceed inflation, ensuring your money grows in real terms.

A Transformative Opportunity for Everyday Investors

LIC Mutual Fund’s Rs 100 daily SIP initiative marks a profound shift, opening the doors to investment for many who may have felt left out. It sends a powerful message: wealth-building is for everyone. For those seeking a disciplined, accessible way to grow their savings, this new daily SIP could be the first step toward a brighter financial future.

As more Indians embrace SIPs to secure their future, LIC Mutual Fund’s commitment to inclusivity and empowerment shines, providing a tool that’s as attainable as it is impactful. Now, with just Rs 100 a day, anyone can become an investor, taking control of their financial destiny.