Introducing microsavings on Coin

Most of us learned how to save money long before we learned what a mutual fund was.

As kids, we saved small amounts of money in a piggy bank. There was no plan, no minimum amount, and no expectation of returns. We added whatever we could: ₹2, ₹5, and sometimes ₹10. Not because we were disciplined or financially aware, but because it was an easy, familiar habit, and the money could be spent later on something we liked.

As adults, we have a greater understanding of money. We understand SIPs, compounding, asset allocation, and long-term investing. But knowing what to do doesn’t always make it easier to act.

What worked about the piggy bank wasn’t discipline. It was the absence of pressure. You saved whenever you could, even if it was a small sum.

When it comes to investing in markets, many people assume they need to start with a large amount. That assumption alone can be intimidating. In reality, starting small is perfectly fine. It lets you begin with what feels comfortable today and increase the amount gradually as your income grows.

Smaller amounts also make markets feel less overwhelming. When the numbers are modest, the fear of getting it wrong fades. You learn by participating rather than waiting, and over time, what once felt unfamiliar starts to feel routine.

This is the idea behind microsavings on Coin. You can invest small amounts daily, starting at just ₹10. Not as a shortcut to building wealth, but as an easy way to start and build comfort with saving and investing over time.

The value here isn’t the amount you begin with. It’s the reduction in friction. When saving no longer feels like a decision you feel you have to get perfectly right, starting becomes easier. And as saving turns into a habit, increasing the amount gradually often follows on its own.

Here’s how you can start Microsavings on Coin.

Currently, this feature is available for the Zerodha Nifty Largemidcap 250 Index Fund and requires a UPI Autopay mandate.

On the Coin app: 

1. Tap on Micro savings.
2. Tap on the fund’s name and tap on Create Micro SIP.
3. Select your mandate. If you have not created any mandates, tap on Manage mandates, then tap on New mandate to create one.
4. Enter the amount and tap on Create Micro SIP.
5. Tap on Confirm.

On Coin web: 

1. Log in to Coin.
2. Click on Invest now beside Microsavings.
3. Click on Invest.
4. Select your mandate. If you have not created any mandates, click on Manage mandates, then click on New mandate to create one.
5. Enter the amount and click on Create.
6. Click on Confirm.

Your first installment executes two working days after setup. For example, if you create the SIP on Monday, the debit happens on Tuesday morning, and the investment is processed on Wednesday.

Once set up, you can track, modify, or stop your micro SIP anytime from the SIP section on Coin.

Note: There are no charges for investing or redeeming mutual funds on Coin.