Minimum SIP investment required for 140 popular mutual funds (2026 guide)

The single most powerful idea in Indian personal finance over the past decade has not been a complex investment strategy. It has been this: you can start investing in professionally managed equity funds today, right now, with the amount sitting in your pocket.

The answer, as of February 2026, is often as little as Rs 100. That is the cost of a reasonable cup of coffee in most Indian cities. And that Rs 100, invested consistently every month in the right fund, can compound into something meaningful over a decade.

This article maps the current minimum SIP amounts across 140 funds spanning eight SEBI-regulated equity mutual fund categories. The goal is to give every investor, at every income level, a clear picture of where and how they can start.

Of the 140 funds analysed in this study, more than 60% permit a monthly SIP of Rs 100 or less. This is not a coincidence. SEBI’s push for financial inclusion and AMCs’ competitive drive to attract first-time investors have collectively driven minimums down dramatically over the past decade.

To a seasoned investor, a Rs 100 vs Rs 1,000 minimum SIP distinction might seem trivial. But for the first-time investor, this number shapes three critical dimensions of investment behaviour.

Consider three dimensions in which this number shapes behaviour.

1. Entry and Experimentation

A lower minimum allows investors to begin with genuinely small amounts while they learn. A Flexi Cap fund with a Rs 100 minimum SIP allows a new investor to start, observe how the portfolio behaves across market conditions, and build confidence before committing larger amounts.

2. Portfolio Architecture

When minimums are low, investors can diversify across categories without stretching their monthly budget. Instead of choosing between a large cap and a small cap fund, an investor with Rs 3,000 per month can allocate Rs 1,000 to each of three different funds and build a genuinely diversified core portfolio.

3. Psychological Commitment

Behavioural finance research consistently shows that starting, even if small, is the hardest part of investing. A Rs 100 minimum removes the “I’ll wait until I have more money” rationalisation. The habit of investing, built at Rs 100 per month, is infinitely more valuable than the perfect portfolio that never gets started.

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Flexi Cap and Large Cap Funds

Flexi cap and large cap funds form the bedrock of most long-term equity portfolios. Flexi cap funds, with their mandate to invest across all market caps, are among the most versatile instruments available. Large cap funds offer the stability of established businesses.

Among the 21 Flexi Cap funds analysed, the majority allow SIPs starting at Rs 100, including Parag Parikh Flexi Cap, Mirae Asset Flexi Cap, and Edelweiss Flexi Cap. Similarly, most large cap funds from major AMCs have set Rs 100 as the entry point.

Fund Name	Category	Min SIP Amount
HDFC Flexi Cap Fund	Flexi Cap	Rs 100
Parag Parikh Flexi Cap Fund	Flexi Cap	Rs 1,000
Quant Flexi Cap Fund	Flexi Cap	Rs 250
Bank of India Flexi Cap Fund	Flexi Cap	Rs 1,000
JM Flexi Cap Fund	Flexi Cap	Rs 100
Franklin India Flexi Cap Fund	Flexi Cap	Rs 500
PGIM India Flexi Cap Fund	Flexi Cap	Rs 1,000
HSBC Flexi Cap Fund	Flexi Cap	Rs 500
Union Flexi Cap Fund	Flexi Cap	Rs 500
Edelweiss Flexi Cap Fund	Flexi Cap	Rs 100
Motilal Oswal Flexi Cap Fund	Flexi Cap	Rs 500
Tata Flexi Cap Fund	Flexi Cap	Rs 100
DSP Flexi Cap Fund	Flexi Cap	Rs 100
Kotak Flexicap Fund	Flexi Cap	Rs 100
Bandhan Flexi Cap Fund	Flexi Cap	Rs 100
Canara Robeco Flexi Cap Fund	Flexi Cap	Rs 100
Aditya Birla Sun Life Flexi Cap Fund	Flexi Cap	Rs 100
SBI Flexicap Fund	Flexi Cap	Rs 500
LIC MF Flexi Cap Fund	Flexi Cap	Rs 200
Axis Flexi Cap Fund	Flexi Cap	Rs 100
UTI Flexi Cap Fund	Flexi Cap	Rs 500
Nippon India Large Cap Fund	Large Cap	Rs 100
HDFC Large Cap Fund	Large Cap	Rs 100
ICICI Prudential Large Cap Fund	Large Cap	Rs 100
Tata Large Cap Fund	Large Cap	Rs 100
Baroda BNP Paribas Large Cap Fund	Large Cap	Rs 250
Kotak Large Cap Fund	Large Cap	Rs 100
Franklin India Large Cap Fund	Large Cap	Rs 500
Mahindra Manulife Large Cap Fund	Large Cap	Rs 500
SBI Large Cap Fund	Large Cap	Rs 500
Invesco India Large Cap Fund	Large Cap	Rs 100
Mirae Asset Large Cap Fund	Large Cap	Rs 99
Aditya Birla Sun Life Large Cap Fund	Large Cap	Rs 100
Bandhan Large Cap Fund	Large Cap	Rs 100
PGIM India Large Cap Fund	Large Cap	Rs 1,000
DSP Large Cap Fund	Large Cap	Rs 100
JM Large Cap Fund	Large Cap	Rs 100
Edelweiss Large Cap Fund	Large Cap	Rs 100
UTI Large Cap Fund	Large Cap	Rs 100
Canara Robeco Large Cap Fund	Large Cap	Rs 100
Sundaram Large Cap Fund	Large Cap	Rs 100
HSBC Large Cap Fund	Large Cap	Rs 500
Union Large Cap Fund	Large Cap	Rs 500
Axis Large Cap Fund	Large Cap	Rs 500

The data from these two categories already tells a compelling story. Fund houses that have competed aggressively for retail investors have consistently driven minimums down to Rs 100, recognising that the easiest way to grow their AUM is to make entry frictionless.

Large and Mid Cap, Mid Cap, Multi Cap and Small Cap Funds

Moving along the market capitalisation spectrum introduces higher risk alongside higher return potential. But the minimum SIP barriers have fallen just as dramatically in these categories as in large cap.

What is striking across these four categories is that the Rs 100 minimum is not confined to small or newer AMCs. Large fund houses like HDFC, SBI, Nippon India, Axis, and ICICI Prudential have all adopted Rs 100 minimums across most of their equity funds, understanding that risk tolerance should be the barrier to investing in these categories, not minimum investment amount.

What is striking across these four categories is that the Rs 100 minimum is not confined to the larger, safer funds. Axis Midcap, HDFC Mid Cap, Edelweiss Mid Cap, Tata Mid Cap, and DSP Midcap all offer entry at Rs 100. In the Small Cap segment, which demands the longest investment horizon and highest risk tolerance, fund houses such as Nippon India, HDFC, Tata, Bandhan, Invesco, Edelweiss, Axis, Sundaram, Kotak, ICICI Prudential, DSP, and Aditya Birla Sun Life all accept SIPs from Rs 100. The category with the highest SIP minimums in this group is, perhaps counterintuitively, the Multi Cap category, where Quant maintains a Rs 1,000 floor.

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Fund Name	Category	Min SIP Amount
Motilal Oswal Large and Midcap Fund	Large & Mid Cap	Rs 500
ICICI Prudential Large & Mid Cap Fund	Large & Mid Cap	Rs 100
UTI Large & Mid Cap Fund	Large & Mid Cap	Rs 500
Bandhan Large & Mid Cap Fund	Large & Mid Cap	Rs 100
HDFC Large and Mid Cap Fund	Large & Mid Cap	Rs 100
Quant Large and Mid Cap Fund	Large & Mid Cap	Rs 1,000
Bank of India Large & Mid Cap Fund	Large & Mid Cap	Rs 1,000
Mahindra Manulife Large & Mid Cap Fund	Large & Mid Cap	Rs 500
SBI Large & Midcap Fund	Large & Mid Cap	Rs 100
Invesco India Large & Mid Cap Fund	Large & Mid Cap	Rs 100
Nippon India Vision Large & Mid Cap Fund	Large & Mid Cap	Rs 100
DSP Large & Mid Cap Fund	Large & Mid Cap	Rs 100
Kotak Large & Midcap Fund	Large & Mid Cap	Rs 100
Mirae Asset Large & Midcap Fund	Large & Mid Cap	Rs 99
Baroda BNP Paribas Large & Mid Cap Fund	Large & Mid Cap	Rs 250
Axis Large & Mid Cap Fund	Large & Mid Cap	Rs 100
HSBC Large and Mid Cap Fund	Large & Mid Cap	Rs 500
Union Large & Midcap Fund	Large & Mid Cap	Rs 500
Sundaram Large and Mid Cap Fund	Large & Mid Cap	Rs 100
Tata Large & Mid Cap Fund	Large & Mid Cap	Rs 100
Edelweiss Large & Mid Cap Fund	Large & Mid Cap	Rs 100
LIC MF Large & Mid Cap Fund	Large & Mid Cap	Rs 200
Canara Robeco Large and Mid Cap Fund	Large & Mid Cap	Rs 1,000
Aditya Birla Sun Life Large & Mid Cap Fund	Large & Mid Cap	Rs 100
Motilal Oswal Midcap Fund	Mid Cap	Rs 500
HDFC Mid Cap Fund	Mid Cap	Rs 100
Mahindra Manulife Mid Cap Fund	Mid Cap	Rs 500
Nippon India Growth Mid Cap Fund	Mid Cap	Rs 100
Invesco India Mid Cap Fund	Mid Cap	Rs 100
Mirae Asset Midcap Fund	Mid Cap	Rs 99
Quant Mid Cap Fund	Mid Cap	Rs 1,000
Tata Mid Cap Fund	Mid Cap	Rs 100
Edelweiss Mid Cap Fund	Mid Cap	Rs 100
ICICI Prudential Midcap Fund	Mid Cap	Rs 100
Kotak Midcap Fund	Mid Cap	Rs 100
Baroda BNP Paribas Midcap Fund	Mid Cap	Rs 500
Franklin India Mid Cap Fund	Mid Cap	Rs 500
Union Midcap Fund	Mid Cap	Rs 500
HSBC Midcap Fund	Mid Cap	Rs 500
Axis Midcap Fund	Mid Cap	Rs 100
SBI Midcap Fund	Mid Cap	Rs 500
Aditya Birla Sun Life Mid Cap Fund	Mid Cap	Rs 100
UTI Mid Cap Fund	Mid Cap	Rs 500
DSP Midcap Fund	Mid Cap	Rs 100
Kotak Multicap Fund	Multi Cap	Rs 100
Axis Multicap Fund	Multi Cap	Rs 100
Nippon India Multi Cap Fund	Multi Cap	Rs 100
LIC MF Multi Cap Fund	Multi Cap	Rs 200
HDFC Multi Cap Fund	Multi Cap	Rs 100
ICICI Prudential Multicap Fund	Multi Cap	Rs 100
Mahindra Manulife Multi Cap Fund	Multi Cap	Rs 500
Baroda BNP Paribas Multi Cap Fund	Multi Cap	Rs 250
Sundaram Multi Cap Fund	Multi Cap	Rs 100
Bandhan Multi Cap Fund	Multi Cap	Rs 100
Invesco India Multicap Fund	Multi Cap	Rs 100
SBI Multicap Fund	Multi Cap	Rs 500
Aditya Birla Sun Life Multi Cap Fund	Multi Cap	Rs 100
Quant Multi Cap Fund	Multi Cap	Rs 1,000
Quant Small Cap Fund	Small Cap	Rs 1,000
Bank of India Small Cap Fund	Small Cap	Rs 1,000
Nippon India Small Cap Fund	Small Cap	Rs 100
HDFC Small Cap Fund	Small Cap	Rs 100
Tata Small Cap Fund	Small Cap	Rs 100
Bandhan Small Cap Fund	Small Cap	Rs 100
Invesco India Smallcap Fund	Small Cap	Rs 100
ITI Small Cap Fund	Small Cap	Rs 500
Edelweiss Small Cap Fund	Small Cap	Rs 100
Axis Small Cap Fund	Small Cap	Rs 100
Union Small Cap Fund	Small Cap	Rs 500
Sundaram Small Cap Fund	Small Cap	Rs 100
Kotak Small Cap Fund	Small Cap	Rs 100
ICICI Prudential Smallcap Fund	Small Cap	Rs 100
Canara Robeco Small Cap Fund	Small Cap	Rs 1,000
DSP Small Cap Fund	Small Cap	Rs 100
UTI Small Cap Fund	Small Cap	Rs 500
SBI Small Cap Fund	Small Cap	Rs 500
Franklin India Small Cap Fund	Small Cap	Rs 500
HSBC Small Cap Fund	Small Cap	Rs 500
Aditya Birla Sun Life Small Cap Fund	Small Cap	Rs 100

The Small Cap category is worth particular attention for investors building long-term compounding portfolios. Small cap funds carry the highest volatility but have historically delivered the highest long-term returns. The Rs 100 minimum SIP makes them accessible even at modest investment amounts, though the appropriate investment horizon remains 7 to 10 years or more.

Nifty 50 and Nifty Next 50 Index Funds

Passive investing through index funds has grown dramatically in Indian awareness over the past 5 years. The combination of low expense ratios, transparent portfolios, and the mounting evidence that most active large-cap funds cannot consistently beat the Nifty 50 after costs has driven significant AUM growth into index funds.

Index funds carry significantly lower expense ratios than active funds, making the minimum SIP amount an even more important consideration: at Rs 100 per month in a fund charging 0.10% TER, almost the entire Rs 100 is working for you.

Index funds carry significantly lower expense ratios than active funds, making the minimum SIP amount an even more consequential factor in the total cost of investing. Among the 16 Nifty 50 index funds covered here, over half accept SIPs from Rs 100. Navi Nifty 50 and Edelweiss Nifty 50 offer particularly accessible entry points and have built investor bases on the back of ultra-low costs combined with low minimums. In the Nifty Next 50 segment, 8 of the 12 funds featured allow SIPs from Rs 100, with the higher-minimum funds tending to be from AMCs that position the product more toward their existing investor base than toward first-time participants.

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Fund Name	Index Tracked	Min SIP Amount
Aditya Birla Sun Life Nifty 50 Index Fund	Nifty 50	Rs 100
Motilal Oswal Nifty 50 Index Fund	Nifty 50	Rs 500
UTI Nifty 50 Index Fund	Nifty 50	Rs 500
HDFC Nifty 50 Index Fund	Nifty 50	Rs 100
ICICI Prudential Nifty 50 Index Fund	Nifty 50	Rs 100
SBI Nifty Index Fund	Nifty 50	Rs 500
Bandhan Nifty 50 Index Fund	Nifty 50	Rs 100
Franklin India NSE Nifty 50 Index Fund	Nifty 50	Rs 500
HSBC Nifty 50 Index Fund	Nifty 50	Rs 500
Nippon India Index Fund (Nifty 50)	Nifty 50	Rs 100
LIC MF Nifty 50 Index Fund	Nifty 50	Rs 200
DSP Nifty 50 Index Fund	Nifty 50	Rs 100
Edelweiss Nifty 50 Index Fund	Nifty 50	Rs 100
Axis Nifty 50 Index Fund	Nifty 50	Rs 100
Kotak Nifty 50 Index Fund	Nifty 50	Rs 100
Navi Nifty 50 Index Fund	Nifty 50	Rs 100
Motilal Oswal Nifty Next 50 Index Fund	Nifty Next 50	Rs 500
UTI Nifty Next 50 Index Fund	Nifty Next 50	Rs 500
ICICI Prudential Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
HSBC Nifty Next 50 Index Fund	Nifty Next 50	Rs 500
DSP Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
Aditya Birla Sun Life Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
Axis Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
Edelweiss Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
HDFC Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
Kotak Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
Navi Nifty Next 50 Index Fund	Nifty Next 50	Rs 100
SBI Nifty Next 50 Index Fund	Nifty Next 50	Rs 500

For investors taking their first steps into passive investing, the combination of a low SIP minimum and an ultra-low expense ratio in a Nifty 50 index fund is close to ideal. You are buying a share of India’s 50 most important companies at the lowest possible cost.

Practical guidance by investor profile

For the first-time investor: choose two or three funds with Rs 100 minimums across different categories (for example, one large cap and one flexi cap) and start immediately. The habit matters more than the amount at this stage.

For the systematic portfolio builder: if you are already investing and looking to extend across categories, the Rs 100 minimum across most equity funds means you can add a new category exposure for as little as Rs 100 per month, testing its behaviour before committing more.

On funds with higher minimums: do not automatically avoid funds with Rs 500 or Rs 1,000 minimums. Some of the best-performing funds in certain categories still carry higher minimums. Once your monthly SIP budget is above Rs 5,000, the minimum SIP distinction becomes largely irrelevant; focus on fund quality instead.

On funds with higher minimums: Do not automatically avoid funds with Rs 500 or Rs 1,000 minimums. Some of the most respected funds in India, including Parag Parikh Flexi Cap and SBI Small Cap, sit at these higher floors. The minimum is a constraint on where you start, not a measure of quality or suitability. Once you have established your budget, evaluate funds on performance track record, risk-adjusted returns, and alignment with your own investment horizon. 

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