Best Investment Apps for Beginners in India 2025
Starting your investment journey can feel overwhelming, especially with so many platforms to choose from. But the good news is — you don’t need to be an expert or rich to start investing today.
Thanks to the best investment apps for beginners in India 2025, anyone can start with as little as ₹100 and grow their wealth right from their smartphone.
In this updated guide, we’ll break down the best investment apps for beginners in India in 2025, based on ease of use, features, safety, and cost.
Starting your investment journey can feel overwhelming, especially with so many platforms to choose from. But the good news is — you don’t need to be an expert or rich to start investing today.
Thanks to user-friendly investment apps in India, beginners can now start with as little as ₹100 and grow their wealth from their smartphones.
In this guide, we’ll break down the top investment apps for beginners in India (2025)—based on ease of use, features, safety, and cost.
Top 7 Investment Apps for Beginners (2025)
1. Grow
Best For: Mutual Funds & Stocks
Available On: Android, iOS, Web
Minimum Investment: ₹100 (Mutual Funds)
Why Beginners Love It:
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Super clean and beginner-friendly interface
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Invest in direct mutual funds with zero commission
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Also supports stock trading, gold, and fixed deposits
KYC is done within minutes
No paperwork, no jargon
Track portfolio in real-time
Regulated by SEBI | Free account opening
2. Zerodha (Coin + Kite)
Best For: Serious learners starting with mutual funds & stocks
Available On: Web, Android, iOS
Minimum Investment: ₹100 (Coin), ₹1 for stocks
Why It’s Great:
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Coin: Direct mutual fund platform with zero commission
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Kite: Powerful stock trading app with advanced tools
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Free access to Varsity, India’s top investing learning platform
Low brokerage fees
Seamless integration between Coin and Kite
Ideal for future traders/investors
Highly trusted brand since 2010
3. Upstox
Best For: Beginners who want to explore stocks and mutual funds
Available On: Android, iOS, Web
Minimum Investment: ₹100
What Makes It Stand Out:
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Zero brokerage on equity delivery
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Invest in stocks, IPOs, mutual funds, ETFs, & digital gold
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Regular updates and offers for new investors
Fast onboarding
Simple interface + charts for learning
Backed by Ratan Tata
4. Paytm Money
Best For: One-app investing (MFs, stocks, NPS, IPOs)
Available On: Android and iOS
Minimum Investment: ₹100
Why Beginners Choose It:
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Invest in direct mutual funds, stocks, gold, & NPS
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Regular SIP reminders and notifications
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Tracks expenses, investments, and net worth in one app
Low-cost platform
User-friendly design
No account maintenance charges
5. ET Money
Best For: Goal-based investing & personal finance tracking
Available On: Android and iOS
Minimum Investment: ₹100
Key Highlights:
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Direct mutual funds with zero commission
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Create investment goals like “buy a car” or “retirement.”
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Free credit score checks & insurance options
Smart recommendations for mutual funds
Automatic portfolio tracking
Clean & professional design
6. Kuvera
Best For: Long-term investors & family-based investing
Available On: Android, iOS, Web
Minimum Investment: ₹100
Unique Features:
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Goal-based investing with SIPs
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Family accounts: track spouse/kids’ investments too
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Tax optimization suggestions
100% free for mutual funds
Easy-to-understand charts
Great support for beginners
7. INDmoney
Best For: Beginners who want international + Indian investments
Available On: Android and iOS
Minimum Investment: ₹1 (stocks), ₹500 (MFs)
What’s Special:
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Track all your bank accounts, credit cards, loans, and investments in one app
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Invest in US Stocks (like Apple and Tesla) and Indian MFs
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Real-time portfolio tracking and tax reports
Safe, SEBI-registered
Best for managing money, not just investing
What to Look for in an Investment App (Beginner Checklist)
Before picking one, ask yourself:
Is the app easy to use?
Can I invest small amounts (₹100–₹500)?
Does it offer SIPs and direct mutual funds?
Are there hidden charges or fees?
Is it registered with SEBI?
Can I track and withdraw easily?
All the apps mentioned above check these boxes. You can’t go wrong with any of them — it just depends on your needs.
Bonus Tips for First-Time Investors
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Start small, but start now—₹500/month is enough to begin
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Always do your KYC (one-time process)
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Use SIPs to build consistent habits
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Stay invested for long-term gains
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Don’t panic during market ups and downs
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Learn as you grow — use app blogs, YouTube, and courses
FAQs
Q1: Is it safe to invest via apps?
Yes — as long as the app is SEBI-registered and follows RBI guidelines. All apps listed above are regulated and trusted.
Q2: Which app is best for absolute beginners?
Groww, ET Money, and Paytm Money are especially beginner-friendly.
Q3: Can I withdraw money anytime?
Yes — mutual funds (except ELSS) and stocks can usually be withdrawn anytime. Processing may take 1–3 days.
Q4: Do I need a Demat account?
For stocks, yes. But for mutual funds via Groww, Kuvera, or ET Money, you don’t need a Demat account.
Final Thoughts
In 2025, investing in India is simpler than ever. You don’t need a finance degree or lakhs of rupees — just a smartphone and the right app.
Whether you choose Groww’s simplicity, Zerodha’s depth, or Kuvera’s long-term approach, the most important thing is to start today. Stay consistent. Let your money grow.
