Best Investment Plan Just 100 Rs Per Day
People search for the best investment plan just 100 rs per day because they want to start investing without pressure, risk, or large monthly commitments.
In India, many salaried employees, students, small business owners, and homemakers believe investing needs big money, but disciplined small savings can create strong long-term value.
This guide explains safe, trusted, and beginner-friendly investment plans where just 100 rupees per day can slowly turn into a meaningful financial cushion.
All options focus on safety, government regulation, or long-term stability so first-time investors can start with confidence.
Eligibility & Applicability
Before choosing the best investment plan just 100 rs per day, it is important to know who can invest and how flexible these options are.
- Any Indian resident with a basic bank account
- Salaried employees, daily wage earners, freelancers, and students
- Parents or legal guardians investing for minors
- First-time investors with low risk tolerance
Most small-investment schemes allow adults to invest directly, while some government savings schemes allow parents or guardians to invest on behalf of children.
There is no income barrier, making these plans accessible to almost everyone.
Post Office Recurring Deposit (RD)
Post Office Recurring Deposit is one of the most trusted options when looking for the best investment plan just 100 rs per day.
Scheme Overview
Post Office RD is a government-backed savings scheme where investors deposit a fixed amount every month for a fixed period.
Why It Suits This Topic
It allows disciplined saving with very low monthly investment and zero market risk.
Investment Rules
- Minimum monthly investment starts from ₹100
- Tenure is 5 years
- Late deposit penalty applies but account remains active
- Joint and minor accounts are allowed
Returns Explained Logically
Interest rates are declared by the government and usually remain close to bank fixed deposit rates.
Returns are stable and predictable but designed more for safety than high growth.
Real-Life Example
If a person saves ₹100 per day and deposits around ₹3,000 monthly in Post Office RD, they build a safe lump sum over five years without worrying about market ups and downs.
Who Should Choose This Scheme
This scheme is ideal for conservative investors, beginners, and those who value capital safety over high returns.
Public Provident Fund (PPF)
Public Provident Fund is often considered the backbone of long-term small savings in India.
Scheme Overview
PPF is a long-term government-backed investment scheme designed to encourage disciplined saving with tax benefits.
Why It Suits This Topic
Even small daily savings like 100 rs per day can be accumulated and deposited yearly to build a tax-free corpus.
Investment Rules
- Minimum annual investment of ₹500
- Maximum annual investment of ₹1.5 lakh
- Lock-in period of 15 years
- Partial withdrawals allowed after a few years
Returns Explained Logically
PPF interest is set by the government and generally ranges around 7% to 8% per year.
Returns are compounded annually and fully tax-free at maturity.
Real-Life Example
If someone saves ₹100 per day and deposits around ₹36,000 annually into PPF, over 15 years this grows into a strong, risk-free fund for retirement or long-term goals.
Who Should Choose This Scheme
PPF suits long-term planners who want safety, tax savings, and guaranteed government backing.
Equity Mutual Fund SIP
Equity mutual fund SIP is one of the smartest growth-oriented answers to the best investment plan just 100 rs per day.
Scheme Overview
Systematic Investment Plan allows investors to invest small amounts regularly into equity mutual funds.
Why It Suits This Topic
Many mutual funds allow SIPs starting from ₹100 or ₹500, making them accessible even for beginners.
Investment Rules
- Minimum SIP amount can be as low as ₹100
- No fixed lock-in for most funds
- Long-term investment recommended for stability
Returns Explained Logically
Equity mutual funds do not offer guaranteed returns, but long-term historical returns in India have ranged between 10% to 14% annually.
Real-Life Example
If a young investor starts a ₹3,000 monthly SIP using daily savings of ₹100, over 15 to 20 years the investment can grow significantly due to compounding.
Who Should Choose This Scheme
This option is suitable for young investors, long-term wealth creators, and those comfortable with short-term market fluctuations.
Sukanya Samriddhi Yojana (SSY)
Sukanya Samriddhi Yojana is a powerful savings scheme for parents planning their daughter’s future.
Scheme Overview
SSY is a government-backed savings scheme exclusively for the girl child.
Why It Suits This Topic
Parents can use daily savings of 100 rs per day to make yearly deposits for long-term financial security.
Investment Rules
- Account can be opened for girls below 10 years
- Minimum yearly investment of ₹250
- Maturity period of 21 years
Returns Explained Logically
SSY interest rates are usually higher than PPF and are revised by the government periodically.
Real-Life Example
Parents saving ₹100 per day and investing yearly in SSY can create a strong education or marriage fund for their daughter.
Who Should Choose This Scheme
This scheme is best for parents seeking safe, long-term investment for a girl child.
Comparison Logic
Each option serves a different purpose depending on safety, duration, and growth expectations.
| Scheme | Risk Level | Time Horizon | Best Use Case |
|---|---|---|---|
| Post Office RD | Very Low | 5 Years | Safe monthly savings |
| PPF | Very Low | 15 Years | Tax-free long-term corpus |
| Equity SIP | Moderate | 10+ Years | Wealth creation |
| SSY | Very Low | 21 Years | Girl child future |
How to Apply
Starting the best investment plan just 100 rs per day is simple and accessible.
- Visit nearest post office or authorized bank
- Apply online through official portals for PPF, SIP, or NPS
- Submit Aadhaar, PAN, address proof, and photographs
- Link bank account for automatic deposits
Most mutual fund SIPs can be started online through regulated platforms.
Official Information Source
For updated rules, interest rates, and scheme guidelines, refer to official government portals such as India Post, Income Tax Department, or Pension Fund Regulatory Authority.
Interest rates and conditions may change based on government decisions.
FAQs
Is 100 rs per day enough for investment?
Yes, consistent saving of 100 rs per day builds discipline and creates meaningful wealth over time.
Which is the safest option for 100 rs per day investment?
Post Office RD and PPF are considered the safest options.
Can students invest 100 rs per day?
Yes, students can invest through SIPs or with guardian support in government schemes.
Is mutual fund SIP risky for beginners?
Short-term risk exists, but long-term SIP investing reduces volatility.
Can minors invest directly?
Minors require a parent or legal guardian to open accounts on their behalf.
Conclusion
The best investment plan just 100 rs per day is not about fast money but about consistency, discipline, and long-term thinking.
Small daily savings, when invested in trusted and regulated schemes, can quietly build financial security.
Starting early, staying regular, and choosing the right mix of safety and growth creates lasting financial confidence.