List of Top Mutual Funds with Rs. 100 SIP

A Systematic Investment Plan (SIP) allows individuals to invest a fixed amount in mutual funds at regular intervals. A SIP of ₹100 per month represents the minimum investment threshold offered by several mutual fund schemes in India. Although the contribution amount is small, the investment structure remains the same as with higher SIP amounts. The total outcome depends on duration, fund category, market cycles, and expense ratios. 

The article below outlines the best funds that allow a minimum SIP of ₹100 per month. Instead of focusing only on returns, investors may also review risk metrics, volatility, fund size, and consistency.

Best SIP Plans for 100 Per Month

The table below covers the best SIP plans for ₹100 per month based on 5Y CAGR.

Disclaimer: Please note that the above minimum 100 Rs SIP in mutual funds list is for educational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape Mutual Fund Screener and is subject to real-time updates.

Note: The data on the list of the best SIP plans for 100 per month is from 24th February 2026. This data is derived from the Tickertape Mutual Funds Screener.

• 5Y CAGR: Sorted from Highest to Lowest
• Minimum SIP Allowed: 100 per month

🚀 Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.

What is a SIP Plan for 100 Per Month?

A SIP plan for ₹100 per month means investing a fixed amount of ₹100 regularly in a mutual fund scheme. The investment is typically deducted automatically from a bank account and allocated toward purchasing mutual fund units at the prevailing Net Asset Value (NAV).

Overview of the Best SIP Plans for 100 Per Month

Mirae Asset Midcap Fund

Mirae Asset Midcap Fund is an open-ended equity mutual fund. It mainly invests in mid-cap companies, which are companies with medium market capitalisation. Mid-cap companies often sit between large established firms and smaller emerging businesses.

Mirae Asset Large & Midcap Fund

Mirae Asset Large & Midcap Fund is an equity mutual fund that invests in both large-cap and mid-cap companies. Large-cap companies are well-established businesses, while mid-cap companies offer growth opportunities.

Mirae Asset Nifty 100 ESG Sector Leaders FoF

This scheme is a Fund of Funds (FoF). It does not directly invest in stocks. Instead, it invests in the Mirae Asset Nifty 100 ESG Sector Leaders ETF. The underlying ETF tracks the Nifty 100 ESG Sector Leaders Index. This index includes companies from the Nifty 100 that meet certain Environmental, Social, and Governance (ESG) criteria. 

Mirae Asset Nifty 100 ESG Sector Leaders FoF (IDCW)

This is the Income Distribution cum Capital Withdrawal (IDCW) option of the same Fund of Funds mentioned above. The core investment strategy remains the same, as it invests in the ESG ETF. The key difference lies in how returns are handled. Under the IDCW option, the fund distributes income to investors periodically instead of reinvesting it fully in the scheme.

Mirae Asset Midcap Fund (IDCW)

This is the IDCW option of the Mirae Asset Midcap Fund. The fund continues to invest primarily in mid-cap companies. The investment strategy remains unchanged. However, under the IDCW option, the fund distributes income to investors at intervals instead of accumulating all gains in the NAV.

Mirae Asset Short Duration Fund

Mirae Asset Short Duration Fund is an open-ended debt mutual fund. It invests mainly in debt and money market instruments with shorter maturity periods, typically between one to three years. Since it invests in shorter-duration instruments, it generally faces lower interest rate sensitivity compared to long-duration debt funds.

Mirae Asset Arbitrage Fund

Mirae Asset Arbitrage Fund is a hybrid mutual fund. It earns returns by taking advantage of price differences between the cash market and the derivatives market. The fund buys shares in the cash market and sells equivalent positions in the futures market to capture arbitrage spreads. It also invests a portion of the portfolio in debt and money market instruments to manage liquidity and stability.

Mirae Asset Short Duration Fund (IDCW)

This is the IDCW option of the Mirae Asset Short Duration Fund. The investment strategy remains focused on short-term debt and money market instruments. The difference lies in return distribution. Under the IDCW option, the fund distributes income periodically instead of reinvesting it fully into the scheme.

Mirae Asset Arbitrage Fund

Mirae Asset Arbitrage Fund is a hybrid mutual fund that aims to generate returns by capturing price differences between the cash market and the derivatives market. The fund typically buys stocks in the cash segment and sells corresponding futures contracts to benefit from arbitrage opportunities.

Mirae Asset Short Duration Fund (IDCW)

Mirae Asset Short Duration Fund (IDCW) is the income distribution option of the Mirae Asset Short Duration Fund. The fund invests mainly in debt and money market instruments with shorter maturity periods, generally ranging between one and three years.

Taxation on the SIP Plans for 100 Per Month

The tax treatment of a ₹100 SIP depends on the type of mutual fund selected. The SIP amount does not change the taxation rules. Equity, debt, and hybrid funds are taxed differently under current regulations. Let’s take a look at taxation based on the type of gain and fund type.

How to Invest in Monthly SIP Plans for 100 Per Month

You can easily start to invest in the best SIP plans for 100 per month by following these steps:

• To invest in the best SIP plan for 1 year, you can visit an equity investment platform such as smallcase 
• The next step is to research and identify the best SIP plans for 100 per month that match your investment thesis. Tools like the Tickertape Mutual Fund Screener can help you filter and compare funds based on parameters such as returns, expense ratio, and fund size.
• Once you shortlist the funds, visit smallcase, log in, and search for the fund by name. You can then choose the SIP investment mode for 100 per month.

Advantages of Investing in a SIP Plan for 100 Per Month

• Low Financial Commitment with Market Access:  A ₹100 SIP allows participation in mutual funds with minimal capital. This makes equity, debt, or hybrid fund exposure accessible without requiring a lump sum investment.
• Disciplined Capital Allocation: Regular monthly investing introduces structure to financial planning. Automated deductions reduce behavioural biases such as delaying investments or attempting to time the market.
• Rupee Cost Averaging Across Cycles: Because the invested amount remains fixed, the number of units purchased varies with NAV levels. During market corrections, ₹100 buys more units; during rallies, it buys fewer. Over longer periods, this mechanism smoothens entry prices.
• Compounding Through Continuity: Each monthly SIP instalment accumulates units over time. While ₹100 appears small in isolation, consistency over extended durations allows reinvested gains to contribute to overall portfolio growth. The impact depends on returns and holding period.
• Diversified Portfolio Exposure: Even a ₹100 SIP provides indirect exposure to multiple securities held within the mutual fund. This reduces single-stock concentration risk compared to investing directly in individual equities.

Risks of Investing in a SIP Plan for 100 Per Month

• Exposure to Market Volatility:  A ₹100 SIP in equity-oriented funds remains fully exposed to stock market movements. While rupee cost averaging spreads purchases across different price levels, the overall portfolio value can decline during prolonged market corrections. Short-term fluctuations may affect interim returns.
• Uncertain Return Outcomes: Mutual funds do not provide assured returns. Performance depends on portfolio quality, sector allocation, fund management decisions, and broader macroeconomic factors such as GDP growth, liquidity conditions, and interest rates.
• Category-Specific Risk Factors:  Different fund categories carry different structural risks. For example, equity funds face business risk, valuation risk, and earnings cyclicality. Debt funds face interest rate risk (bond prices move inversely to rates) and credit risk (issuer default or downgrade). Sectoral or thematic funds carry concentration risk due to limited diversification across industries.
• Inflation and Real Return Risk:  If long-term returns do not sufficiently exceed inflation, the purchasing power of accumulated funds may not increase significantly in real terms.
• Expense Ratio Impact on Small Contributions: Since SIP contributions are modest, expense ratios can proportionally influence net returns. Over extended periods, higher ongoing charges reduce effective growth.
• Behavioural Risk and Inconsistency:  Discontinuing SIPs during volatile phases may disrupt the averaging mechanism. The effectiveness of SIP investing depends largely on sustained participation across market cycles.

Factors to Consider Before Investing

• Fund Category Selection: The choice of fund category plays a significant role in determining risk and return characteristics. Equity funds are linked to stock market performance and may experience higher volatility, while debt funds are influenced by interest rate movements and credit quality. Since a ₹100 SIP follows the same market dynamics as larger investments, selecting a category that aligns with risk tolerance and time horizon is essential.
• Investment Tenure and Compounding Period: At ₹100 per month, capital builds gradually. Over 1 year, the total contribution is ₹1,200. Over 10 years, it will become ₹12,000. The impact of compounding becomes more visible over longer durations. Investors should evaluate whether the investment horizon is sufficient to allow meaningful accumulation.
• Expense Ratio Relative: With smaller SIP amounts, the expense ratio becomes proportionally significant. For example, a higher ongoing expense reduces effective annual growth over time. Comparing expense ratios across similar category funds helps evaluate cost efficiency.
• Volatility and Drawdown History:  Understanding how much a fund has declined during previous market corrections provides insight into potential downside behaviour. Funds with higher volatility may experience sharper short-term swings.
• Liquidity and Exit Conditions: Exit load clauses may apply if units are redeemed within a specified period. Since each SIP instalment has its own holding period, early withdrawals could trigger exit charges and short-term taxation.

Conclusion

A SIP of ₹100 per month helps build a disciplined investment habit with small, manageable contributions. It allows participation in mutual funds without committing large amounts of capital at once. However, mutual funds remain subject to market risk. Returns depend on market conditions, fund strategy, asset allocation, and overall economic trends. Even small SIP amounts experience fluctuations in value, especially during market downturns.

Reviewing factors such as fund objective, portfolio composition, expense ratio, risk metrics, and performance consistency helps in understanding how the fund fits within an overall financial plan. Tools like the Tickertape Mutual Fund Screener, which offers 50+ filters, can help compare funds systematically based on returns, volatility, costs, and allocation.

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Frequently Asked Questions on SIP of ₹100 Per Month in Mutual Funds