Most people think you need lakhs of rupees to start investing. The truth is, you can begin your wealth journey with as little as ₹100 a day. Thanks to Systematic Investment Plans (SIPs), small daily investments can turn into massive wealth over time. With discipline, patience, and the power of compounding, even the smallest amounts can make you a crorepati by 2040.
Why ₹100 a Day Is Enough ?
At first glance, setting aside just ₹100 a day — roughly ₹3,000 a month — might feel too small to make a difference. But when invested regularly through a Systematic Investment Plan (SIP) in equity mutual funds, that modest amount has the power to grow into something substantial.
The magic lies in compounding. Every rupee you invest doesn’t just earn returns; those returns themselves start generating more returns over time. This creates a snowball effect — small contributions accumulate, returns build on returns, and what once looked like pocket change gradually transforms into a significant corpus.
In the short term, it may not feel like much. But over 15–20 years, the consistency of investing ₹100 a day can turn into lakhs, and by 2040, even a crore or more, provided you stay disciplined and let compounding do its work.
Example:
- ₹3,000 per month invested for 15 years at an average return of 12% can grow to over ₹15 lakh.
- Extend the same investment to 25 years, and it can cross ₹50 lakh.
- Push it to 30 years (till 2040), and you could be sitting on ₹1 crore+ — all from just ₹100 a day.
Best SIP Options for Long‑Term Wealth
When it comes to building wealth through SIPs, not every fund is created equal. For long‑term goals like retirement or financial independence, most experts recommend focusing on equity mutual funds, since they have historically outperformed traditional investments over extended periods. Held for 10 years or more, many of these funds have delivered annualised returns in the 10–15% range, which is far ahead of inflation.
Here are three popular categories worth considering:
- Large Cap SIPs: These invest in the top 100 companies by market value. They are relatively stable, less volatile, and ideal for investors who want steady, compounding growth over decades.
- Mid Cap SIPs: Slightly riskier, but they come with the potential for superior returns. These funds invest in mid‑sized companies that are growing aggressively and can outperform in bullish markets.
- Flexi Cap SIPs: A balanced approach. Here, the fund manager has the flexibility to switch between large, mid, and small cap companies depending on market conditions, making it a good option for those seeking diversification with controlled risk.
Pro Tip: Before choosing a fund, always check its past 5‑ to 10‑year performance, fund manager’s track record, expense ratio, and SEBI ratings. And if you’re unsure, consult a certified financial advisor to align the SIP with your personal goals.
Why SIPs Outperform FDs and Gold in the Long Run
When it comes to wealth creation, not all investments work the same way. Fixed Deposits (FDs) usually offer 6–7% annual returns, which barely stay ahead of inflation. They are safe, but they don’t grow your wealth meaningfully over decades.
Gold, on the other hand, is an excellent hedge against inflation and currency risks. But the challenge is that gold doesn’t compound. It can preserve wealth, but it doesn’t multiply it efficiently.
This is where Systematic Investment Plans (SIPs) in equity mutual funds stand out. Over the long term, equity SIPs have historically delivered 10–15% annualised returns, almost 2–3 times higher than FDs. Thanks to compounding, the difference becomes enormous over decades.
For example:
- ₹3,000/month in an FD (6–7%) for 20 years → grows to about ₹25–30 lakh.
- ₹3,000/month in an SIP (12%) for 20 years → can grow beyond ₹1 crore.
That’s the power of long‑term compounding.
Steps to Start Your ₹100 a Day SIP Journey
- Open an account with a SEBI‑registered broker or mutual fund platform. Most apps allow you to start SIPs online within minutes.
- Choose your fund type — Large Cap for safety, Mid Cap for growth potential, or Flexi Cap for balanced diversification.
- Set your SIP amount — ₹3,000 per month (equivalent to ₹100 a day) is a good start.
- Stay disciplined — Invest for at least 15–30 years without interruption.
- Review annually — Check fund performance once a year, but avoid panic‑selling during short‑term market corrections.
Consistency matters more than timing the market.
If You are confusing in SIP or FD check out our SIP VS FD which make you richer in 2025 ? full blog
Final Verdict: Can ₹100 a Day Really Make You Rich?
The answer is a resounding YES. With patience and discipline, investing ₹100 daily through SIPs can help you build a corpus of ₹1 crore or more by 2040.
The real magic isn’t in how much you start with, but in how long you allow your money to compound. A small habit today can lead to financial freedom tomorrow.
So don’t wait for “the perfect time” or “more money to start.” The best time to begin was yesterday, the second best time is today.
Best High-Return SIPs in India (2025) — Original Guide
Motilal Oswal Midcap Fund – Direct Plan
- 5-year SIP XIRR: ~31–35% (Source: Moneycontrol tracker, 115% absolute return)
- 10-year XIRR: ~22–23% — consistently outperforming Nifty Midcap 150 benchmark
- Reddit users note: “Nearly 57% returns in 2024” but also flagged for high volatility and concentrated portfolio exposures to stocks like Kalyan Jewellers (~9% allocation)
Quant Small Cap Fund
- One of the top-performing small-cap SIP schemes, among only 12 funds in 2025 to deliver 300%+ absolute gains in 5 years
- Reddit reports: “40–45%+ return in peak years,” but warns of steep corrections and recent regulatory scrutiny (front-running allegations)
Offers explosive gain potential, but with notably high risk and volatility.
Invesco India Mid Cap Fund
- Strong presence among top 15 SIP performers of 2025, with solid XIRR 25–30% range
- Institutional size decent (~₹6,000 crore AUM) and long-term credibility in mid-cap space
Balanced mid-cap fund with consistent performance.
Edelweiss Mid Cap Fund
- Frequently ranks among the top mid-cap SIPs with 25–30% returns over 5 years
- Moderate AUM and expense ratio make it a transparent mid-cap option
Focuses on under-researched mid-cap stocks with strong upside potential.
Insights Summary
| Fund | 5-year SIP XIRR | 10-year XIRR | Risk Level |
|---|---|---|---|
| Motilal Oswal Midcap | ~31–35% | ~22–23% | High (concentrated) |
| Quant Small Cap | ~40–45% | Data variable | Very High (volatile) |
| Invesco India Mid Cap | ~25–30% | Not specified | Moderate |
| Edelweiss Mid Cap | ~25–30% | Not specified | Moderate |