SBI Jan Nivesh SIP 2025 is a new and unique scheme launched by State Bank of India (SBI) and SBI Mutual Fund. This scheme is made keeping in mind those who want to start with small investment. The main objective of this scheme is to promote financial inclusion and motivate people of every class to invest.
In this scheme, you can start investing from only ₹ 250 per month. The scheme is designed especially for those investing for the first time, residents of rural and semi-urban areas, and small saving.
The main objective of SBI Jan Nivesh SIP
- To encourage small investors.
- To make investment easier through digital platforms.
- Preparation of big funds from small investment in a long time.
SBI Jan Nivesh SIP overview
| Parameter | Description |
| Name of the scheme | SBI Jan Nivesh Sip |
| Minimum investment amount | ₹ 250 per month |
| Launch year | 2025 |
| Availability | SBI Yono, Paytm, Groww, Zerodha |
| Fund type | SBI Balanced Benefit Fund |
| target group | Rural, semi-urban, urban resident |
| Estimated return | 12% – 15% per year |
| Investment period | 30 to 45 years |
What is SBI Jan Nivesh SIP?
SBI Jan Nivesh SIP is a micro-SIP scheme, in which you can start with only ₹ 250 per month. The scheme is specially made for those who are investing for the first time or who do not have the ability to invest a large amount.
The scheme invests in SBI Balanced Advantage Fund, which invests in both equity and date. This provides stability to your portfolio even during market fluctuations.
Benefits of SBI Jan Nivesh SIP
1. Investment at low cost
- Start with a minimum amount of only ₹ 250 per month.
- Ideal for small savior.
2. Digital Access
- Available on digital platforms like SBI Yono, Paytm, Groww.
- Online investment and management facility.
3. Long period of long returns
- If you regularly SIP ₹ 250 per month, it can make funds of up to ₹ 29 lakh in 40 years (on 12% annual return).
4. Flexibility
- Daily, weekly and monthly SIP options.
- Choose the investment period as per your convenience.
5. Financial Inclusion
- Also involves residents of rural and semi-urban areas.
- Incentive to investors for the first time.
How does SBI Jan Nivesh Sip work?
In this scheme, your money is invested in SBI Balanced Advantage Fund. This fund invests in a balanced manner in equity and date instruments.
Estimated return:
- ₹ 250 per month SIP (12% annual return):
- In 30 years: ₹ 17 Lakh
- In 40 years: ₹ 29 lakh
- In 45 years: ₹ 1.63 crore (on 15% annual return)
Who can invest in this scheme?
1. First investors for the first time:
Those who want to invest in mutual funds or SIP for the first time.
2. Small Savior:
Small businessmen or people who do not have a large amount.
3. Digital users:
People who use digital platforms such as Paytm or Groww.
4. Rural and semi-urban resident:
Those who have been away from financial plans till now.
What is SBI Balanced Advantage Fund?
It is a dynamic asset allocation fund that invests in both equity and date. It aims to obtain high returns and reduce the risk.
Last performance:
- 1 year Return: 8.3%
- 3 years Return: 12.2%
How to apply?
- Use digital platforms:
- SBI Yono App
- Paytm, Grow, Zerodha Adi
- Complete the KYC process:
- Aadhaar card or PAN card will be required.
- Choose investment amount:
- Minimum ₹ 250 per month.
- Set auto debit:
- Automatic deduction facility from bank account.
Is this scheme beneficial?
SBI Jan Nivesh SIP is an ideal scheme for those who want to start with a small amount. However, it is important to note that mutual funds are subject to market risks.
Disclaimer:
This article is written only for the purpose of providing information. Be sure to consult your financial advisor before investing in any scheme. SBI Jan Nivesh SIP is a real plan and is designed keeping in mind small saving.
