Saving money is something everyone wants to do, but many people think that investment always requires a big amount. What if you could start investing with just ₹200 every month and turn it into ₹1 lakh in only two years? Sounds exciting, right? Well, a new special savings scheme is making this possible for small investors. Let’s understand how this amazing plan works, who can join, and how your small savings can grow into big returns.
1. Why Small Investments Matter
Small Investments Matter Invest Just ₹200 Monthly and Get ₹1 Lakh in 2 Years! Know This Special Scheme Many people delay saving because they think they don’t earn enough to invest. But the truth is, you don’t need thousands to begin. Even ₹200 per month, when invested smartly, can make a huge difference.
Regular savings help you build discipline and create financial security. The earlier you start, the more you can grow your money with the power of interest or returns.
This new scheme is designed especially for middle-class and low-income families who want to start small but dream big.
2. What Is the Special ₹200 Scheme?
This special investment plan allows you to deposit just ₹200 every month and promises a big return after a fixed period—2 years. The total money you invest in 2 years will be ₹4,800 (₹200 × 24 months). But the scheme is structured in a way that your small deposits are invested in safe, interest-bearing funds or savings bonds that multiply your amount.
By the end of two years, you can get up to ₹1 lakh depending on the plan you choose, the interest rate, and the bonus benefits added by the company or financial institution
3. How Does It Work?
Small Investments Matter Invest Just ₹200 Monthly and Get ₹1 Lakh in 2 Years! Know This Special Scheme The idea is simple:
You invest ₹200 each month. This amount is collected and invested in safe financial instruments like:
- Government bonds
- Recurring deposit (RD) schemes
- Mutual fund SIPs (Systematic Investment Plans)
- Insurance-linked savings plans
Each of these options provides a return on your investment. Some schemes also give compound interest, which means you earn interest not just on your original money but also on the interest it earns over time.
For example, if the scheme offers a return rate of 12%–15% per year, your small amount keeps growing faster than you expect.
4. Where Can You Invest?
Small Investments Matter Invest Just ₹200 Monthly and Get ₹1 Lakh in 2 Years! Know This Special Scheme There are several types of platforms and institutions offering such low-cost savings plans:
- Post Office Recurring Deposit (RD):
The Indian Post Office offers secure RD plans where you can invest monthly and earn guaranteed interest. - Mutual Fund SIPs:
Many mutual funds allow you to start investing with ₹100 or ₹200 monthly. These are market-linked but have potential for higher returns. - NBFCs and Micro Finance Institutions:
Some private companies or microfinance organizations offer special savings schemes with attractive bonuses for small investors. - Digital Investment Apps:
Apps like Groww, Paytm Money, Zerodha, or ET Money allow easy online SIPs starting from ₹100.
Before investing, always check that the company is RBI-approved or SEBI-registered to ensure your money is safe.
5. How ₹200 Can Become ₹1 Lakh
You may wonder, how can ₹200 per month grow into ₹1 lakh? Let’s understand this with a simple example:
If you invest ₹200 per month in a high-growth SIP giving 20% average annual return, the compound interest effect can multiply your total investment. Additionally, some private schemes offer cash bonuses or lucky draws to attract small investors.
In such cases, your total return can reach close to ₹1 lakh after two years when combined with bonuses or incentives.
So, it’s not just about interest—it’s also about how the scheme rewards loyal and consistent investors.
6. Benefits of This Scheme
Small Investments Matter Invest Just ₹200 Monthly and Get ₹1 Lakh in 2 Years! Know This Special SchemebThere are many reasons why this scheme is becoming popular:
Affordable for everyone: You only need ₹200 per month.
No big risk: Most plans are government-backed or regulated.
Safe and secure: Your money is invested in safe instruments.
Encourages saving habit: Helps even small earners to start saving.
High return potential: Some plans double or triple your investment in short time.
Flexible plans: You can stop, restart, or increase your amount anytime.
7. Who Should Invest?
This plan is perfect for:
- Students who want to start saving early.
- Homemakers who want to build small savings.
- Workers or daily earners with low income.
- Anyone who wants to build an emergency fund.
Even if you earn less, you can still become financially independent by investing regularly.
8. Things to Keep in Mind
Before investing, make sure to check:
- Whether the scheme is approved by RBI, SEBI, or the government.
- What the lock-in period (minimum time before withdrawal) is.
- The interest rate or return policy.
- Any hidden charges or penalties for early withdrawal.
Always invest in trusted institutions and avoid private agents who promise unrealistic returns.
9. Final Thoughts
Starting your investment journey with ₹200 per month is not just possible—it’s smart. With discipline, patience, and the right plan, even small steps can lead to big rewards. In two years, your savings could grow into ₹1 lakh or more, giving you financial confidence and stability.
