If you have ₹10,000 in hand and want to grow your money, investing smartly is the key. Thanks to digital platforms like Groww App, investing in mutual funds, stocks, gold, and fixed deposits has become easy and transparent. In this blog, we’ll guide you step by step on how to invest ₹10,000 wisely using Groww.
Why Choose Groww App?
Groww is one of India’s most trusted investment platforms, offering:
Easy and paperless KYC process
Access to Mutual Funds, Stocks, Gold, and FDs
User-friendly interface for beginners
Real-time tracking of investments
With just ₹500, you can start a SIP (Systematic Investment Plan) or make a lump sum investment directly from your bank account.
Step 1: Define Your Financial Goals
Before investing, ask yourself:
Do I need this money in the short term (1–3 years)?
Am I looking for medium-term growth (3–5 years)?
Or do I want long-term wealth creation (5+ years)?
This clarity helps you decide whether to invest in equity, debt, gold, or safe deposits.
Step 2: Best Investment Options in Groww
- Mutual Funds (Beginner-Friendly & Diversified)
Mutual funds are the most popular choice for new investors. They pool money from many investors and invest across multiple stocks and bonds, reducing risk.
Equity Mutual Funds (High Growth, Long Term)
Nifty 50 Index Fund
HDFC Flexi Cap Fund
ICICI Prudential Bluechip Fund
Expected Returns: 10–14% annually
Debt Mutual Funds (Safe & Stable, Short Term)
HDFC Liquid Fund
ICICI Prudential Short Term Fund
Expected Returns: 5–7% annually
👉 Suggested Allocation: ₹5,000 in Equity Funds + ₹2,000 in Debt Funds
- Stocks (High Risk, High Reward)
If you are interested in learning the stock market, you can invest a small part of your money in direct equities.
Recommended Blue-Chip Stocks:
Reliance Industries
HDFC Bank
Infosys
Tata Consultancy Services (TCS)
👉 Suggested Allocation: ₹1,000–₹2,000 in stocks
- Gold Investment (Safe Hedge Against Inflation)
Gold has always been a safe asset for Indian investors. Through Groww, you can buy Digital Gold or Gold ETFs without worrying about storage.
Benefits: Easy to buy/sell, secure, hedge against inflation
Expected Returns: 7–9% annually
👉 Suggested Allocation: ₹2,000 in Gold ETFs or Digital Gold
- Fixed Deposits (Safe & Guaranteed Returns)
For investors with zero risk appetite, Groww also provides FD options in partner banks.
Returns: 6–7% annually
Benefit: Safety and assured returns
👉 Suggested Allocation: Optional, only if you prefer guaranteed returns.
Step 3: Suggested Portfolio for ₹10,000 Investment
Here’s a balanced portfolio idea for beginners:
₹5,000 → Equity Mutual Funds (Index + Flexi Cap)
₹2,000 → Debt Mutual Fund (Safe)
₹2,000 → Digital Gold / Gold ETF
₹1,000 → Blue-Chip Stocks (for learning experience)
This way, you spread your money across growth, stability, and safety.
Step 4: How to Start Investing on Groww
- Download Groww App and complete your KYC.
- Select Mutual Funds, Stocks, Gold, or FD based on your choice.
- Choose Lump Sum or SIP mode.
- Track your portfolio weekly and stay invested for long-term growth.
Final Thoughts
Investing ₹10,000 in the right way can be the starting point of your financial journey. The Groww app gives you access to all major investment options in one place, making it easy even for beginners. Always remember – don’t panic with short-term ups and downs, and stay invested for long-term wealth creation.
If you are new, start with mutual funds and gold, then slowly explore stocks once you gain confidence.
FAQs About Investing ₹10,000 Through Groww
Q1. Can I start with just ₹500 on Groww?
Yes, you can start investing in mutual funds through SIP with as little as ₹500.
Q2. Is Groww safe for investment?
Yes, Groww is a SEBI-registered platform and highly secure for investments.
Q3. Which is better: Lump sum or SIP?
If you have ₹10,000 now, you can invest partly as a lump sum and partly through SIP for consistency.
Q4. What is the minimum amount for stock investment on Groww?
You can buy even 1 share of a company, depending on the stock price.
Q5. Can I withdraw my mutual fund anytime?
Yes, most mutual funds are liquid and can be redeemed anytime, except ELSS funds which have a 3-year lock-in.
Q6. Which is safer – stocks or mutual funds?
Mutual funds are safer because they are diversified, while stocks carry higher risk.
Q7. How much return can I expect in 5 years from mutual funds?
Equity mutual funds can give 10–14% annual returns if held for the long term.
Q8. Can I invest in US stocks through Groww?
Yes, Groww allows investing in US stocks and ETFs.
Q9. Is there any fee for using Groww?
No, Groww does not charge for mutual fund investment. For stock trading, there is a small brokerage fee.
Q10. Should I put all ₹10,000 in one mutual fund?
No, diversification is better. Split your investment into 2–3 funds.
