What Is the Minimum Amount You Can Invest in SBI Jan Nivesh?

In a move to widen access to mutual fund investing, SEBI proposed a framework in January to support small-ticket SIPs . This initiative aims to bring more first-time and low-income investors into the fold by making such micro-investments economically viable for Asset Management Companies (AMCs).

SBI Mutual Fund, in partnership with Paytm and State Bank of India (SBI), launched the Jan Nivesh SIP initiative, designed especially for retail investors aiming to start their investment journey with a minimal amount.

Let’s take a look at the minimum amount.

Minimum Investment Amount Under SBI Jan Nivesh SIP

• The minimum investment amount under the Jan Nivesh SIP is ₹250.
   
• Available in daily and weekly SIP frequency options.

This low entry barrier is ideal for beginners and promotes disciplined investing habits over time.

SEBI’s Push for Micro SIPs

To support the ₹250 SIP model, SEBI’s draft guidelines proposed:

• Reduced intermediary charges for small-ticket SIPs.
   
• Support from the Investor Education and Awareness Fund (IEAF).
   
• A 2-year breakeven model for AMCs.
   
• Limiting the ₹250 SIP scheme to one scheme per AMC, with a maximum of three such schemes across the mutual fund house.

These measures are intended to improve affordability and promote long-term investing behaviour.

Scheme Available Under Jan Nivesh SIP

The Jan Nivesh SIP was initially started for the following mutual fund scheme:

• SBI Balanced Advantage Fund
  A hybrid scheme that dynamically manages allocation between equity and debt based on market conditions. It aims to deliver balanced risk-adjusted returns over time.

This scheme was chosen to offer a relatively stable investment vehicle for micro-SIP investors, especially those new to market-linked instruments.

Read More: SBI JanNivesh SIP: Turn SIP of ₹250 Monthly into Lakhs. 

Conclusion

With the introduction of Jan Nivesh SIP, SBI Mutual Fund is aligning with SEBI’s vision to make mutual fund investing more accessible. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/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 in the securities market are subject to market risks, read all the related documents carefully before investing.