Wealth creation used to require big amounts of money. Today, it starts at just ₹10. Micro investing apps are reshaping how India’s youth approach saving and investing. With a tap, your spare change or daily budget remainders can start earning returns.
Apps like Jar round off your daily spends and invest the difference in digital gold. Gullak lets you auto invest fixed sums regularly and helps build a savings habit. Niyo and other neo banks are integrating micro SIPs directly into their wallets.
This model works because it removes decision fatigue. You do not need to think before every investment. The automation does it for you. Over time, these small amounts grow, building a corpus that would otherwise be lost to impulse spending.
Micro investing is especially useful for students, freelancers, and first jobbers. People who feel traditional investing is too complicated or intimidating now have a low risk way to begin.
But not all apps are equal. Choose platforms that are regulated and transparent about fees. Avoid those that push aggressive promotions or lock in your money with high exit charges.
In 2025, micro investing is more than a trend. It is a financial habit that can change your future. The earlier you start, the more you benefit from compounding.
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