PhonePe Wealth Introduces Daily SIP with Minimum Investment Starting at ₹10

PhonePe Wealth Broking launched a new feature called “Daily SIP” on December 11, 2025, enabling users to invest as low as ₹10 per day in mutual funds, as per news report.  

The initiative on the PhonePe app aims to offer flexibility to users preferring smaller, frequent contributions, enhancing participation among retail investors with varying cash flows. 

New Daily SIP Option Offers ₹10 Minimum Investment 

The Daily SIP feature allows investors to start systematic investment plans from ₹10 per day, using UPI Autopay for seamless transactions. Users can choose from a range of mutual fund categories including equity, multi-asset, and gold.  

The option is designed for individuals seeking manageable and flexible investment routes, especially those with inconsistent or daily income patterns. This enables daily budgeting and cost-effective investing through rupee-cost averaging. 

Addressing the Rise in Retail Participation in Mutual Funds 

This launch aligns with the increasing trend in mutual fund participation. According to October 2025 data from the Association of Mutual Funds in India (AMFI), SIP inflows exceeded ₹29,000 crore, with 9.45 crore active SIP accounts.  

This marks the growing acceptance of disciplined investing among retail participants, particularly in smaller amounts on a frequent basis. 

Read More: PhonePe's Pincode Shuts Quick Commerce and B2C Operations to Focus Solely on B2B! 

Features Enabling Flexibility and Control 

Investors using the Daily SIP feature have the ability to pause, modify, or stop their contributions anytime. This flexibility can support users in adjusting based on immediate cash requirements, making mutual fund investing more accessible even to those with fluctuating earnings.  

It enables individuals to align their daily savings with long-term financial goals while maintaining control over investment amounts and fund selection. 

Conclusion 

PhonePe Wealth’s Daily SIP option introduces a micro-investing route starting at ₹10 per day, offering flexibility, fund variety, and ease of setup. It adds to the tools available for investors aiming to build disciplined investing habits over time. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.