₹250 Chhoti SIP: Can Sachet-Sized Mutual Funds Actually Work?

The ₹250 Chhoti SIP lets first-time investors start a mutual fund SIP for the price of a pizza topping.

Fund houses run it at a loss for ~2 years; costs are subsidised and cross-funded by regular schemes.

It's capped: up to 3 small SIPs across 3 fund houses, only for genuine first-timers.

₹250/month for 5 years is roughly ₹15,000 invested — wealth comes from later step-ups, not the ₹250.

Use NACH or UPI autopay, pick the Growth option, and treat it as a habit-builder, not a goal-funder.

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