Back in 2016 or 2017, one of my best friends casually told me about buying shares and how their value can grow over time. That tiny conversation changed the way I looked at money.
Curious, I began researching and soon discovered Zerodha, which at that time was a bootstrapped company and already quite popular. Without wasting time, I opened a demat account there.
I started small—really small. I’m talking ₹10, ₹20, or ₹50 at a time, because honestly, I didn’t have much to invest back then. I just wanted to learn how the whole thing actually worked.
I even encouraged my friends to try it, but most of them said, “We don’t have money to invest.” That’s when I realized something important: investing is more about mindset than the amount.
I used to tell people, “Open a demat account and put in a little whenever you can. You can’t save like this in a regular savings account.” For example, instead of spending on a biryani, I’d invest ₹150.
One of my favorite stories is from 2020: I invested ₹250—the price of a simple pair of slippers—in a shoe manufacturing company. Today, that ₹250 has grown to around ₹4,000!
Over time, I’ve stayed focused on long-term investing. Some of the stocks I bought years ago are now giving me returns of over 2,000%.
Saving, for me, wasn’t just about the stock market. I also started Recurring Deposits (RDs) for 6–12 months. Every time the RD matured, it felt like getting a little bonus—such a peaceful feeling.
More recently, I’ve begun investing in online gold through an app that automatically debits ₹50 every day, almost like a daily SIP.
My takeaway? Start investing now—even if you have only ₹50 in your wallet. It’s not about the amount you begin with; it’s about building the habit and letting time do the magic.