S5 E1 : ₹ 100 CHALLENGE : BUILD A PORTFOLIO IN ₹ 100.

👋 Welcome to your first challenge!
Let’s say you have just ₹100 in your hand. No crores. No lakhs.
Just one hundred rupees.

Now the mission is simple:
👉 Build a mini stock portfolio — as if you're managing a tiny mutual fund.

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🎯 Why Do This?

Because if you can build a solid plan with ₹100…
You’ll definitely make better decisions with ₹1,000 or ₹10,000 later.

This challenge is not about big returns.
It’s about learning how to think like an investor.

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🪙 Step 1: Understand Your ₹100 Budget

Let’s break your ₹100 into simple parts:

1. ₹40 → For Safe & Trusted Stocks (e.g., large, stable companies)

2. ₹30 → For Growth Stocks (companies with high potential)

3. ₹20 → For New Ideas or Trends (emerging sectors or innovations)

4. ₹10 → Set aside as Emergency Cash (to stay flexible)

🔹 You’re creating your own mini mutual fund.
🔹 Just like how big fund managers diversify.

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🧠 Step 2: Research & Pick Real Stocks

Let’s use real examples. Open your Groww / Zerodha app and explore.
Here’s how you might think:

✅ Safe + Trusted (₹40)

Pick a stable and trusted company — something that’s been growing steadily.

Examples:

1. HDFC Bank

2. Infosys

3. Tata Consultancy Services (TCS)

These are like “backbone stocks”. They don’t jump fast, but they’re strong.

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🚀 Growth Focus (₹30)

Look for companies with potential to grow fast in the future.

Examples:

1. Zomato (online food & quick commerce)

2. Tata Elxsi (design & tech)

3. Nykaa (online beauty + lifestyle)

These are bets on future trends.

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🌱 New Idea / Trend (₹20)

This is your “smart risk” bucket.
Maybe a new-age startup or trending sector — EV, AI, space, renewable, etc.

Examples:

1. MapmyIndia (EV navigation, India maps)

2. KPIT Tech (Auto software)

3. IRCTC (Online rail booking monopoly)

This is where magic can happen — or might not. That's the risk.

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💼 Emergency Cash (₹10)

You don’t invest this. You keep it aside.
Why? In case one of your picks crashes, and you need to rebalance or switch.

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📋 Step 3: Track & Review Weekly

Create a Google Sheet or notebook:

 

Every week, update it. Add your thoughts.

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📢 Bonus Tip: Use Fractional Shares or Smallcase

Some platforms allow you to invest tiny amounts into multiple stocks using:

1. Fractional shares (internationally)

2. Smallcases (curated baskets in India)

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🏁 Final Words

This challenge is not about profits.
It’s about building your mindset and muscle as an investor.

✅ You learned how to:

1. Split money smartly

2. Think in buckets (safe, growth, risky)

3. Build confidence to manage money

Next time you have ₹1,000 or ₹10,000…
You’ll already know how to think like a fund manager.

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🔖 Assignment:
Open your stock app or website.
Pick 3 stocks today for this ₹100 challenge.
Write down why you picked each one.

That’s your first step to becoming a serious investor 💼📈