Sachet Mutual Funds: Investing with Just ₹10 & Explore the Top 5 Mutual Fund Schemes in India

In today’s time, more and more people in India are trying to save and invest. But many of them don’t start because they think they need a lot of money. That is not true now. With Sachet Mutual Funds, even ₹10 is enough to start your investment journey. Yes, just ₹10!

This new type of mutual fund investment is making it easy for normal people like students, daily wage earners, and homemakers to grow money slowly. You don’t need ₹500 or ₹1000. Sachet mutual fund means small investment, just like sachet shampoo or tea.

Let’s understand what Sachet Mutual Fund is and how you can start investing in top 5 mutual fund schemes in India with this small amount.

🌱 What is Sachet Mutual Fund?

Sachet Mutual Fund is like a regular mutual fund but with a very small ticket size. It allows people to invest as low as ₹10 or ₹20. This concept is introduced so that even low-income people can invest in mutual funds without any fear.

These funds are available mostly through digital platforms like Paytm Money, Groww, Zerodha Coin, and some fintech apps. Some AMCs (Asset Management Companies) started giving this option to include every Indian in financial growth.

✅ Benefits of Sachet Mutual Funds

1. Low Minimum Investment – You can start with ₹10 or ₹20.
   
2. Simple to Understand – These mutual funds are basic and made for new users.
   
3. Flexible SIP Options – You can choose daily SIP or weekly SIP.
   
4. No Big Risk – Since you are investing a small amount, risk is also small.
   
5. Good for Habit Building – Help in making savings and investment habits daily.
   

📈 How Sachet Mutual Funds Work?

Let’s say you want to invest ₹10 every day. You can go to Paytm Money or Groww app and select the sachet mutual fund option. They will show you mutual funds with low risk and low entry amount. You select one, do KYC and start investing ₹10 daily through SIP.

At the end of a month, you will invest ₹300. If you continue for a year, it becomes ₹3600. Over time, the return may help you build wealth slowly.

💼 Top 5 Mutual Fund Schemes in India for Beginners

Now you may ask – which mutual fund is best for this type of investment? Here are the top 5 mutual fund schemes in India you can check if you are new investor:

1. HDFC Small Cap Fund
   Great for long-term investors. It gives high returns but may have ups and downs.
   (₹100 SIP also available)
   
2. Axis Bluechip Fund
   Best for stable return and low risk. It invests in big companies.
   
3. Nippon India Small Cap Fund
   It performs well in small companies and gives good return over time.
   
4. SBI Equity Hybrid Fund
   It invests in both shares and bonds. Balanced and low risk.
   
5. ICICI Prudential Bluechip Fund
   One of the top performing mutual funds SIP in India for beginners and safe players.
   

All of these are available for SIP. In future, AMCs may allow even ₹10 SIP in these funds through sachet model.

🏆 Why You Should Try SIP Even with ₹10

SIP (Systematic Investment Plan) is the best method to invest in mutual funds. Even ₹10 SIP daily can help you build future savings. It also protects you from market ups and downs. Small SIPs every day build discipline.

Platforms like HDFC, Zerodha, Paytm Money, and Groww allow you to start with ₹10, ₹50, or ₹100. Many investors who start with small amounts grow their SIP when they earn more.

📊 Top Performing Mutual Funds SIP in India (2025 Edition)

These mutual funds are giving best results in 2025:

• Quant Small Cap Fund – High return in last 3 years
  
• HDFC Flexi Cap Fund – Trusted and long-term performer
  
• Nippon India Growth Fund – Mid-cap growth story
  
• Canara Robeco Emerging Equities Fund – Consistent SIP growth
  
• Axis Small Cap Fund – Popular among small investors
  

These are considered top performing mutual funds SIP in India right now. You can even find some in sachet versions to start small.

💡 Why HDFC SIP Plans in India Are Popular?

HDFC SIP Plans in India are very famous among investors. They have plans for all kinds of people – safe, medium risk, and high return. HDFC Mutual Fund company is very old and trusted.

If you are new and want to try SIP through a sachet fund or normal SIP, HDFC Flexi Cap Fund or HDFC Balanced Advantage Fund can be a good starting point.

💰 How to Start Sachet SIP Online?

1. Download app like Paytm Money, Groww, or Zerodha Coin.
   
2. Complete KYC using Aadhaar + PAN.
   
3. Search “Sachet Mutual Fund” or small SIP.
   
4. Select fund (prefer from top 5 mutual fund schemes in India).
   
5. Start with ₹10 daily SIP.
   
6. Track your returns monthly.
   

❓ FAQs: Sachet Mutual Funds in India

Q1. Can I really start investing with ₹10?
Yes. The Sachet mutual fund model allows investment as low as ₹10 per day.

Q2. Is this safe for low-income people?
Yes. A small amount means less risk. Also, most sachet mutual funds are from big AMCs.

Q3. How much return will I get from ₹10 SIP?
It depends on the mutual fund you choose. Normally, 10–15% yearly if you invest long-term.

Q4. Can I withdraw anytime?
Yes. Most mutual funds are open-ended. But for better return, keep invested for at least 3–5 years.

Q5. Which platform is best to invest ₹10 in mutual funds?
Apps like Paytm Money, Groww, and Zerodha Coin offer sachet mutual fund options.

📝Conclusion

Sachet mutual funds are changing how India invests. With just ₹10, even a tea seller or student can now be a mutual fund investor. You don’t need big money to start investing. You just need habit and patience.

Choose from top 5 mutual fund schemes in India, check out top performing mutual funds SIP in India, or explore HDFC SIP plans in India – but take that first step.

Garima Anand

I am a digital marketing executive as well as content writer in the  personal finance and investment related blogs. My goal is to provide simple, interesting and reliable information to readers through my articles so that they always stay updated with the world of personal finance and investment.