Kya aapko bhi lagta hai ki investing sirf un logon ke liye hai jinke paas lakhon rupaye hain? Ya phir aap market ke charts dekh kar darr jaate hain?
Sach bolun to, 2026 ki shuruat tak main bhi bilkul aap jaisa hi tha. Mujhe lagta tha ki share market ek jua (gambling) hai. Lekin jab maine How I Started Investing as a Beginner in India ka asli process samjha, to meri puri soch badal gayi.
Is article mein main aapko koi “Gyan” nahi dene wala, balki apni wo Step-by-Step journey bataunga jise follow karke aap aaj hi apni investment shuru kar sakte hain.
Meri Wo Galti Jisne Mere 8 Mahine Barbaad Kiye.
Har beginner ki tarah maine bhi wahi purani galtiyan ki:-How I Started Investing as a Beginner in India
- Waiting for the “Perfect Time”: Main wait kar raha tha ki market kab girega.
- Chasing Tips: Maine Telegram aur WhatsApp groups join kiye, jahan log “Double return” ka wada karte the.
- Overthinking: Main itna zyada padh raha tha ki action lena hi bhool gaya.
Pro Tip: Investing ka sabse bada dushman “Analysis Paralysis” hai. Zyada mat sochiye, shuru kijiye.
Step-by-Step: Maine Kaise Shuru Kiya?
Maine ek bahut hi simple framework follow kiya jise koi bhi beginner 2026 mein copy kar sakta hai:
1. The “Safety First” Rule
Maine sabse pehle ye decide kiya ki main Trading nahi karunga. Beginners ke liye trading risky ho sakti hai. Maine chuna Long-term Investing, jahan risk kam aur sukoon zyada hai.
2. SIP (Systematic Investment Plan) ko Dost Banaya
SIP ka matlab hai—har mahine ek fix date par thoda sa paisa invest karna. Isse mujhe do bade fayde huye:
- Mujhe market track karne ki zaroorat nahi padi.
- Meri ek discipline ban gayi (Pehle invest, phir kharch).
3. Small Start (Sirf ₹500 se)
Log puchte hain, “Kya ₹500 se wealth ban sakti hai?” Mera jawab hai Pehle habit banaiye, amount apne aap badh jayegi. Maine ₹500 ki ek SIP shuru ki taaki mujhe dar na lage.
Beginner-Friendly Options: Maine Kya Choose Kiya?
Agar aap confused hain ki kahan paisa lagayein, to ye table dekhiye jo maine apne liye banayi thi:
| Option | Risk Level | Mere Liye Sahi Hai? |
| Direct Stocks | High | Nahi (Research chahiye) |
| Crypto | Very High | Nahi (Bahut volatile hai) |
| Index Mutual Funds | Low-Medium | Haan (Best for Beginners) |
| Fixed Deposit (FD) | Very Low | Nahi (Returns bahut kam hain) |
Maine Index Funds chuna kyunki ye India ki top 50 companies (Nifty 50) mein paisa lagata hai. Agar India grow karega, to mera paisa bhi grow karega!
2026 Mein Investing Ke 3 “Golden Rules”
Agar aap aaj se shuru kar rahe hain, to ye 3 baatein yaad rakhein:
- Stop Following Tips: Jo banda aapko “Paisa Double” ki tip de raha hai, wo khud ameer nahi hai. Apne dimag ka istemal karein.
- Patience is Key: Investing ek kheti (farming) ki tarah hai. Beej aaj boyenge, to phal 5-10 saal baad milega.
- Automate Everything: Apne bank se auto-pay set kar dein taaki aap bhool bhi jayein, to bhi aapki wealth banti rahe.
Conclusion: Agla Kadam Kya Hai?
Doston, How I Started Investing as a Beginner in India ki kahani ka sabse bada sabak ye hai: “The best time to plant a tree was 20 years ago. The second best time is NOW.”
Agar aap abhi bhi “Kal” ka wait kar rahe hain, to yaad rakhiye wo kal kabhi nahi aayega. Aaj hi ek choti SIP shuru kijiye.
Kya aapne apni pehli investment shuru kar di hai? Comment mein batayein ya agar koi darr hai to niche poochein!
✍️ — Ajmal
Frequently Asked Questions (FAQs)
Yahan kuch aise sawal hain jo beginners aksar mujhse puchte hain:
1. Kya Investing shuru karne ke liye bahut saare paison ki zaroorat hoti hai? Nahi, bilkul nahi! Aaj ke time mein aap sirf ₹100 ya ₹500 ki SIP (Systematic Investment Plan) se shuruat kar sakte hain. Zaroori ye nahi ki aap kitna laga rahe hain, zaroori ye hai ki aap kitni jaldi shuru kar rahe hain.
2. 2026 mein sabse safe investment option kaunsa hai? Beginners ke liye Index Funds ya Large-cap Mutual Funds sabse safe maane jaate hain. Ismein aapka paisa India ki sabse badi aur munasib companies mein lagta hai, isliye risk direct stocks ke muqable kam hota hai.
3. Kya mujhe investing shuru karne ke liye Demat Account chahiye? Agar aap Mutual Funds mein invest kar rahe hain, to bahut saari apps (jaise Groww, Zerodha, ya IndMoney) bina kisi jhanjhat ke aapko invest karne ki suvidha deti hain. Haan, agar aap direct stocks kharidna chahte hain, to Demat account zaroori hai.
4. Agar market gir jaye to kya mujhe apni SIP band kar deni chahiye? Ye sabse badi galti hogi! Jab market girta hai, tab aapko saste daam par zyada “units” milte hain. Long-term mein yahi wo waqt hota hai jab asli wealth banti hai. Isliye panic mein aakar SIP kabhi band na karein.
5. Investing aur Trading mein kya farak hai? Trading mein aap rozana profit kamane ki koshish karte hain jo bahut risky hota hai. Investing ka matlab hai apne paise ko 5, 10 ya 15 saal ke liye chod dena taaki wo Compounding ki madad se bada ho sake.
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https://ajmalwealth.com/how-to-start-investing-with-%e2%82%b9500-per-month/