Investing is often seen as a luxury for those with a large amount of capital, but that’s no longer the case. Thanks to technology, students can start investing with as little as ₹100. With many investment apps available today, students have an easy and accessible way to build wealth, even with a modest budget. Whether you’re looking to grow your savings or explore the stock market, these apps provide a beginner-friendly environment to start your investment journey.

In this article, we will review some of the best investment apps for students in 2025 that allow you to start investing with minimal amounts.

Why Should Students Invest Early?

Investing early has several long-term benefits, especially for students. It allows you to take advantage of the power of compounding, which can grow small investments into large amounts over time. Moreover, investing in stocks or mutual funds early gives students a chance to understand market trends, investment strategies, and risk management. By learning how to invest while still in school, students can build habits that will support their financial independence post-graduation.

Top Investment Apps for Students to Start With ₹100

Here’s a detailed look at some of the best apps that allow students to start investing with as little as ₹100.

1. Groww

Overview:
Groww is a popular investment app in India that allows students to invest in mutual funds, stocks, and ETFs. The platform is known for its simple and user-friendly interface, making it ideal for beginners. Whether you are interested in SIPs (Systematic Investment Plans) or investing in stocks directly, Groww provides the flexibility to start with just ₹100.

Key Features:

• Investment in Mutual Funds: Groww offers direct mutual funds with no commission, helping investors save on unnecessary fees.
• Stock Market: You can start investing in stocks with ₹100, making it an excellent choice for students new to trading.
• Educational Content: Groww has a rich library of resources to help students learn the basics of investing and finance.
• SIP Options: Allows students to start SIPs with as little as ₹100, which is ideal for those looking to invest systematically.

Why it’s Great for Students:
Groww is a highly accessible app for students due to its low minimum investment requirement and user-friendly design. It also provides detailed tutorials and market insights to help students understand their investments better.

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2. Upstox

Overview:
Upstox is another popular investment app in India that offers a wide range of financial products. It allows students to start investing in stocks and mutual funds with minimal capital, making it ideal for beginners.

Key Features:

• Stock Trading: You can start trading with ₹100, and the app offers a wide range of stocks to choose from.
• Low Brokerage Fees: Upstox provides a low-cost trading experience, which is essential for students who are just starting.
• User-Friendly Interface: The app is designed to be simple, so even first-time investors can easily understand how to navigate the stock market.

Why it’s Great for Students:
Upstox is a great platform for students due to its low brokerage fees, beginner-friendly interface, and educational resources. The app also provides real-time stock market data, which is helpful for making informed decisions.

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3. Zerodha

Overview:
Zerodha is one of the largest discount brokers in India. The app is popular for its low fees and advanced trading tools, making it suitable for students who want to delve deeper into the stock market. Zerodha allows students to start investing in stocks with ₹100, and it also offers mutual funds and bond investments.

Key Features:

• Zero Brokerage on Equity Delivery: Zerodha charges no brokerage fees for equity delivery, making it ideal for long-term investors.
• Advanced Tools: Zerodha offers advanced tools such as Kite, a trading platform, and Varsity, a financial education app for students to learn more about investing.
• Investment Options: In addition to stocks, Zerodha allows investment in mutual funds, bonds, and IPOs.

Why it’s Great for Students:
Zerodha’s robust platform with educational content and no brokerage charges on equity delivery is perfect for students who want to start investing in stocks for the long term. It also provides valuable resources to learn about technical analysis and market trends.

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4. ETMoney

Overview:
ETMoney is another excellent investment app that allows students to start investing in mutual funds and SIPs with as little as ₹100. The app helps users make smart investment decisions by analyzing various investment products and recommending the best ones based on their goals.

Key Features:

• No Commission on Mutual Funds: ETMoney offers direct mutual fund investments with no commissions.
• Smart Investment Plans: The app uses AI to recommend the best investment options based on your financial goals and risk tolerance.
• SIP Investment: You can start SIPs with ₹100, making it an ideal choice for students who want to invest consistently over time.

Why it’s Great for Students:
ETMoney’s personalized recommendations and SIP options make it easier for students to start investing regularly, even with a small amount. It also allows you to track your investments and make informed decisions with ease.

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Conclusion

Investing as a student might seem like a daunting task, but with the right tools, it can become a straightforward process. The apps listed above allow students to start investing with just ₹100, making them ideal for those who are new to investing and want to begin building their financial future. By starting early, students can take advantage of compounding and learn valuable financial skills that will benefit them in the long run. Whether you want to invest in stocks, mutual funds, or SIPs, these apps provide a low-risk and high-reward opportunity for students to begin their investment journey.

Investing doesn’t have to be complicated or expensive. With these apps, students can get started on the path to financial growth and independence without breaking the bank.