Here are some practical steps to get started:

1. High-Yield Savings Accounts: A simple and low-risk way to start is by storing savings in high-yield savings accounts. These accounts offer better returns than traditional savings accounts and can be a great place to accumulate funds for future investments.
2. Micro-Investing Apps: These apps allow you to invest small amounts of money, often spare change from transactions, into various assets. It’s a hands-off approach that can help you grow your investments over time.
3. Mutual Funds and Index Funds: Starting with mutual funds, especially index funds, is beneficial as they provide diversification and are managed by professionals. You can start with small amounts and increase your investment as your budget grows.
4. Systematic Investment Plans (SIPs): SIPs enable you to invest a fixed amount regularly in mutual funds. This disciplined approach can be started with modest sums and takes advantage of rupee cost averaging.
5. Government Securities and Bonds: Gilt funds and bonds are relatively safer investment options. They offer stable returns and can be purchased through online platforms, making them accessible even with a small budget.
6. Employer Retirement Matching: If you’re employed, take advantage of any employer retirement matching benefits. This is essentially free money that can boost your retirement savings.
7. Education and Advice: Continuously educate yourself on financial matters and seek professional advice when necessary. Knowledge is a powerful tool in making informed investment decisions.

Remember, the key to successful investing is starting early, being consistent, and staying informed. Even with a small budget, these steps can set the foundation for a robust financial future.