SBI Jan Nivesh SIP:- You might be wondering how investing just ₹250 every month can grow into a significant amount over time. Think of it like filling a pot, drop by drop—your investment portfolio grows in the same way. The key is to stay consistent with your investments.
SBI Jan Nivesh Mutual Fund: Secure Your Future with Small Savings
Everyone wants to save enough for retirement to avoid financial worries later in life. Even a small amount saved regularly can make a big difference. To encourage first-time investors and those with lower incomes, State Bank of India (SBI) has introduced the Jan Nivesh SIP scheme. With this plan, you can start investing with as little as ₹250 per month.
The most important factor in wealth creation is consistency. It doesn’t matter whether you invest a small or large amount—as long as you continue investing, your money will grow over time, potentially giving you substantial returns in the future.
Where Does SBI Jan Nivesh Invest?
The Jan Nivesh Mutual Fund invests in the SBI Balanced Advantage Fund, a hybrid dynamic asset allocation plan. This means your money is allocated to both equity and debt to balance risk while ensuring good returns. The minimum investment required is just ₹250 per month.
Unlike pure equity or debt funds, Balanced Advantage Funds provide more stability, especially during market downturns. Looking at past performance:
- 1-year return: 8.3%
- 3-year return: 12.2%
Turn ₹250 a Month into Lakhs with Jan Nivesh SIP
If you invest ₹250 every month in the SBI Balanced Advantage Fund for 40 years, assuming an annual return of 12%, your investment can grow to ₹29,70,605.
Here’s how it works:
- Total investment over 40 years: ₹1,20,000
- Estimated returns: ₹28,50,605
- Final corpus: ₹29,70,605
(Note: Inflation and rising costs are not factored into this calculation. It’s always important to consider these factors when planning your long-term investments.)
Also Read:- PPF Extension Rules: Secure Your Future with Tax-Free Income
Key Details About SBI Balanced Advantage Fund
As of January 31, 2025:
- Total Assets Under Management (AUM): ₹33,305.48 crore
- Current Net Asset Value (NAV): ₹14.40
- Major Allocations:
- Financial Services – 28.24%
- Oil, Gas & Consumable Fuel – 11.79%
- Sovereign – 10.77%
- IT – 6.97%
How to Invest in SBI Jan Nivesh SIP?
You can invest in Jan Nivesh SIP through:
- SBI YONO (SBI’s digital platform)
- Other fintech platforms like Paytm, Groww, and Zerodha
Steps to Invest in Jan Nivesh SIP via Paytm
- Open the Paytm App
- Click on the Jan Nivesh SIP @ ₹250 tab
- Choose an investment frequency – daily, weekly, or monthly
- Enter your PAN number and complete KYC verification
- Set up SIP payments – the amount will be deducted automatically from your bank account every month
Why Choose Jan Nivesh SIP?
1. Start Small, Grow Big
- You can begin investing with just ₹250 per month
- Flexible SIP options – choose daily, weekly, or monthly investments
2. Easy Digital Access
- Available on SBI YONO, Paytm, Groww, and Zerodha
- Investors can manage their investments digitally, anytime, anywhere
3. Cost-Effective & Sustainable
- Designed to be affordable and long-term focused
- Encourages small savers and first-time investors to start their investment journey
Who Can Benefit from Jan Nivesh SIP?
- First-Time Investors – Designed for those new to mutual funds, including individuals from small towns and villages
- Urban Investors – Targets city dwellers who prefer digital platforms but may not have access to financial advisors
- Self-Employed & Unorganized Sector Workers – A great option for small business owners and freelancers looking for affordable investment plans
Final Thoughts
SBI Jan Nivesh SIP is a great way to start investing with just ₹250 per month. By staying consistent, even small investments can grow into a significant corpus over time. Whether you’re a first-time investor, self-employed, or simply looking for a low-cost way to build wealth, this scheme offers a simple and accessible way to enter the world of mutual funds.
