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 new asset class or a fancy derivative product. It is, rather, a plain instruction you give your bank every month: invest a fixed amount, no matter what the market is doing. That instruction is the Systematic Investment Plan, and the question that keeps first-time investors up at night is simple: how much do I need to start?

The answer, as of February 2026, is often as little as Rs 100. That is the cost of a reasonably priced cup of coffee in most Indian cities, and it is the floor at which dozens of fund houses now welcome investors into equity mutual funds. This was not always the case. A generation ago, mutual fund investing carried a psychological minimum of several thousand rupees, a threshold that quietly excluded hundreds of millions of aspirational savers. The democratisation of the SIP minimum has been one of the most consequential, if under-celebrated, shifts in the history of Indian capital markets.

This article maps the current minimum SIP amounts across 140 funds spanning eight SEBI-regulated equity categories: Flexi Cap, Large Cap, Large and Mid Cap, Mid Cap, Multi Cap, Small Cap, Nifty 50 Index, and Nifty Next 50 Index. The data is sourced directly from fund fact sheets and AMC portals, updated to February 2026, and covers Direct Growth plans throughout.

Of the 140 funds analysed in this study, more than 60% permit a monthly SIP of Rs 100 or less. This means the minimum cost of building a diversified equity portfolio across multiple categories is effectively a matter of choice, not affordability, for most Indian earning households.

To a seasoned investor, a Rs 100 vs Rs 1,000 minimum SIP distinction might seem trivial. But the implications are much deeper than they appear on the surface.

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 student investing Rs 100 per month in a Flexi Cap fund gains real-world experience with NAV movements, statement reading, and the emotional discipline of staying invested through volatility, all before committing meaningful capital. The learning happens at a cost they can absorb.

2. Portfolio Architecture

When minimums are low, investors can diversify across categories without stretching their monthly budget. An investor with Rs 2,500 per month who targets five categories needs each category to accept a Rs 500 SIP. With most major funds now at Rs 100, the same investor can spread across ten or more funds, running genuine experiments in diversification that were simply not possible at Rs 1,000 minimums.

3. Psychological Commitment

Behavioural finance research consistently shows that starting, even if small, is the hardest part of investing. A Rs 100 entry point removes the excuse of insufficiency. Once the investment habit is formed, the amount tends to grow naturally over time through step-up plans and increased financial capacity. The minimum is not just a number; it is an invitation.

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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 offer fund managers the latitude to allocate freely across market capitalisations, making them among the most versatile SEBI categories. Large Cap funds anchor their portfolios in the top 100 companies by market capitalisation, providing stability alongside participation in India's most established corporate names.

Among the 21 Flexi Cap funds analysed, the majority allow SIPs starting at Rs 100, including market heavyweights such as HDFC, Kotak, Bandhan, Canara Robeco, Aditya Birla Sun Life, and Axis. Parag Parikh Flexi Cap Fund, one of India's most followed funds for its global diversification approach, sets its minimum at Rs 1,000. Among Large Cap funds, Mirae Asset stands alone in setting a minimum of Rs 99, a deliberate psychological nudge that positions entry even below the standard Rs 100 threshold.

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 alone already tells a compelling story. Fund houses that have competed most aggressively on SIP minimums tend to be those with broad retail distribution networks, suggesting that low minimums are a deliberate strategy to widen the investor base rather than simply a regulatory concession.

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

Moving along the market capitalisation spectrum introduces higher risk alongside higher return potential. SEBI mandates that Large & Mid Cap funds maintain at least 35% each in large cap and mid cap stocks. Mid Cap funds concentrate in companies ranked 101 to 250 by market capitalisation, while Multi Cap funds must hold at least 25% each across large, mid, and small cap segments. Small Cap funds target companies ranked 251 and below, the frontier of Indian equity investing.

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. Despite the higher volatility inherent to smaller companies, the Rs 100 SIP minimum at several reputed AMCs means that investors can maintain consistent disciplined exposure even through market downturns, which is precisely when SIP contributions have the greatest compounding impact.

Nifty 50 and Nifty Next 50 Index Funds

Passive investing through index funds has grown dramatically in Indian awareness over the past five years, driven by the twin tailwinds of financial literacy campaigns and the performance reality that actively managed funds often struggle to consistently beat their benchmarks after fees. The Nifty 50 Index represents the 50 largest companies on the National Stock Exchange. The Nifty Next 50 captures the subsequent 50, making it a gateway to India's next generation of large cap leaders.

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 a low expense ratio in index funds creates an almost ideal learning environment. The portfolio behaviour mirrors the index almost precisely, making it straightforward to understand returns, costs, and the role of each fund in a broader portfolio.

For the first-time investor: Choose two or three funds with Rs 100 minimums across different categories, for example a Large Cap index fund, a Flexi Cap active fund, and a Mid Cap fund. Run all three with Rs 100 monthly SIPs for a full 12-month cycle. Observe how they move relative to each other and relative to the Nifty 50 benchmark. Then increase amounts based on what you have learned and what your budget allows. The Rs 100 SIP is a masterclass, not a final commitment.

For the systematic portfolio builder: If you are already investing and looking to extend across categories, the Rs 100 minimum means you can run a 10-fund portfolio for Rs 1,000 per month in total. This allows genuine breadth of diversification that was simply not practical at earlier minimum thresholds. Use the tables in this article to identify the lowest-cost, lowest-minimum options in each category as the entry point for your expanded allocation.

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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Disclaimer: This article is for informational and educational purposes only and does not constitute investment advice, a solicitation, or a recommendation to buy or sell any financial instrument. Mutual fund investments are subject to market risks. Past performance is not indicative of future results. Returns data is sourced from AMC websites and AMFI India. Please read all Scheme Information Documents (SID) and Key Information Memoranda (KIM) carefully before investing. Consult a SEBI-registered investment advisor for personalised advice.