Best Investment Apps in India

In recent years, India has witnessed a tremendous shift in how individuals manage their finances. With smartphones becoming increasingly accessible, many are turning to digital platforms for wealth creation. For those seeking reliable investing apps, the Indian market offers a broad spectrum of options tailored to suit different investor needs. This article delves into the best investment apps in India, analyzing each for features, fees, usability, and security.

Here Is the list of Best Investment Apps in India

1. Angel One Broking

Angel One is a prominent name among stock trading apps India. Known for its wide range of financial services, it offers zero brokerage on equity delivery and competitive charges on intraday trading. The app is packed with features like ARQ Prime (a rule-based investment engine), smart charts, and real-time market data.

Angel One prioritizes user security with 2FA and biometric logins. Its interface is clean and beginner-friendly, making it suitable for all kinds of investors. The app also integrates portfolio tracking and research tools for better decision-making.

2. Zerodha

Zerodha revolutionized stock market investing in India with its discount broking model. It offers a flat fee of ₹20 per trade across all segments, including F&O and intraday. The Kite app by Zerodha is intuitive, lightweight, and offers advanced charting tools powered by TradingView.

With bank-grade encryption and a clear emphasis on data protection, Zerodha ensures secure transactions. The platform also integrates with Coin for direct mutual fund investments and Console for comprehensive reports and analytics.

3. Paytm Money

Paytm Money caters well to those interested in investing in mutual funds. With zero commission direct plans, the app allows users to invest in top mutual funds with ease. It also offers equity trading, digital gold, and NPS options.

The app has a minimal learning curve, making it perfect for beginners. Security is robust, with multi-layer encryption and Paytm’s trusted infrastructure. Users benefit from insightful reports and investment recommendations.

4. Groww

Groww stands out as one of the top mutual fund investment apps in India. Its simplified UI has made it especially popular among young investors. Apart from mutual funds, it supports stock trading, digital gold, and FDs.

Groww’s low-cost model and straightforward investment process make it ideal for those exploring investing for beginners. The app uses SSL encryption and account verification measures to maintain user safety.

5. Motilal Oswal

A veteran in Indian finance, Motilal Oswal offers a comprehensive suite of services through its mobile platform. It features expert-curated investment baskets and real-time analytics, making it one of the most robust investment platforms India has seen.

Although it has relatively higher brokerage fees, the depth of insights and tools provided justifies the cost. The app is backed by enterprise-grade security and is suited for both seasoned and new investors.

6. Kuvera

Kuvera excels as a zero-commission platform focused on SIP investment apps and goal-based planning. It offers direct mutual fund investments and allows users to link family accounts, making portfolio management seamless.

The app emphasizes secure operations with biometric authentication and privacy-first design. Kuvera also features a robust investment goal tracking system.

7. INDmoney

INDmoney has redefined wealth management by offering users the ability to track and invest in mutual funds, stocks, US equities, and even loans. It also features automatic expense and net-worth tracking.

This app functions as one of the most holistic investment tracking apps on the market. INDmoney also provides tax filing support and AI-driven investment suggestions while ensuring secure login through encrypted APIs.

8. FYERS

FYERS is favored among active traders for its advanced charts and APIs. It offers zero brokerage on delivery trades and a flat ₹20 for intraday and F&O. With over 60+ indicators and drawing tools, it’s perfect for technical analysts.

Its modern and responsive app interface, combined with stringent cybersecurity protocols, makes it one of the best online stock trading apps in India today.

9. myCAMS

myCAMS is a niche app designed solely for mutual fund investors. As a mobile investing app, it consolidates mutual fund holdings from multiple AMCs into one platform. Users can invest, redeem, or switch funds seamlessly.

The app is known for its regulatory compliance, password protection, and secure OTP verifications. It simplifies mutual fund management without any extra cost.

10. Nuvama (formerly Edelweiss)

Nuvama offers comprehensive services including equity, mutual funds, commodities, and bonds. With in-depth market reports and technical charting, it’s well-suited for those keen on investing in bonds and other instruments.

The app’s real-time watchlists, margin calculators, and strategy tools make it efficient for traders and investors alike. Nuvama also includes two-step verification to maintain user safety.

11. Dhan

Dhan is one of the newer entrants but has quickly gained traction due to its modern UI and smooth functionality. It provides features like trading view integration, multi-asset watchlists, and IPO investments.

The app appeals to those looking for investment portfolio apps, offering deep analytics and custom alerts. It also ensures high security through biometric locks and session monitoring.

12. m.Stock by Mirae Asset

m.Stock offers zero brokerage across all segments with a one-time fee of ₹999. It’s ideal for users looking to trade in equities, mutual funds, and derivatives without worrying about recurring fees.

This platform is perfect for those interested in investing in SIP and long-term wealth generation. Its sleek design, high-end encryption, and fast order execution are noteworthy.

13. 5paisa

5paisa is a discount broker that blends affordability with functionality. It supports equity, F&O, currency, mutual funds, and insurance. For just ₹20 per order, users gain access to a wide range of investment products.

Its dashboard is rich in features, including robo-advisory, research reports, and customizable alerts, making it ideal for users seeking investment planning apps. Security is ensured via two-factor authentication and end-to-end encryption.

14. Upstox

Upstox combines simplicity with speed. Its low-cost structure and user-friendly interface make it a go-to option for those exploring online investing apps in India. It supports stocks, F&O, mutual funds, and digital gold.

The app is designed for seamless navigation and includes features like GTT (Good Till Triggered) orders and advanced charting. It uses bank-grade encryption to secure user funds and data.

15. ICICI Direct

This app is a full-service brokerage from ICICI Bank, offering comprehensive services including equities, mutual funds, bonds, and IPOs. It is especially useful for investors prioritizing brand trust and robust advisory services.

It functions as an all-in-one solution for investing in stocks app needs. ICICI Direct employs biometric login and two-layer authentication to protect users.

16. HDFC Securities

HDFC Securities is well-regarded for offering seamless integration with HDFC Bank accounts. It provides equity trading, derivatives, mutual funds, and ETFs through its mobile platform.

This app is particularly attractive to those interested in investing in ETFs and portfolio diversification. Its high-security protocols and reliable support make it a trusted platform.

17. Sharekhan

Sharekhan is one of India’s oldest brokerage houses and now offers a modern app experience. It includes research-backed recommendations, stock screeners, and portfolio analysis.

Users can take advantage of its educational content, making it beneficial for those new to investing in India. The app uses advanced firewall protection and data encryption to ensure safety.

18. Kotak Neo

Kotak Neo is the tech-forward investment arm of Kotak Securities. It offers zero brokerage for intraday and delivery for the first 30 days and provides smart trading tools and live data feeds.

It’s tailored for those seeking a well-rounded investment apps experience. The app uses biometric authentication and is known for its minimal downtime.

19. Univest

Univest is an emerging platform that combines portfolio management with goal tracking. It provides personalized insights and allows users to optimize returns across various instruments.

Best suited for those interested in planning their finances smartly, Univest offers a secure, encrypted environment that promotes informed decision-making.

20. PhonePe (Investment Section)

PhonePe, though known for digital payments, now offers a powerful investment section. Users can invest in mutual funds, gold, and tax-saving schemes directly from the app.

As a growing name in investing in gold, PhonePe ensures simplified KYC, secure payments, and an intuitive interface that’s perfect for mobile-first investors.

Comparison Between Best Investment Apps in India

Parameters to Consider While Choosing the Best Investment App in India

Choosing the right investment app can significantly impact your financial journey. Whether you’re just starting out or diversifying a mature portfolio, it’s essential to assess platforms based on several practical parameters. Here are the most critical ones:

1. Range of Investment Options

Ensure the app supports various asset classes—stocks, mutual funds, ETFs, gold, bonds, and SIPs. A well-diversified offering helps tailor your portfolio to your risk profile and financial goals.

2. Brokerage and Hidden Fees

Always check for brokerage charges, transaction fees, or account maintenance costs. Some online investing apps offer zero-commission trades, but may charge for premium features or tools.

3. User Interface and Experience

A good app should offer an intuitive layout, easy navigation, and smooth onboarding. For investing for beginners, apps with clean dashboards and simplified tools are ideal.

4. Security Standards

Your financial data must be secure. Look for features like two-factor authentication (2FA), biometric login, encrypted transactions, and regulatory compliance.

5. Customer Support

Reliable support—via chat, email, or phone—is essential when dealing with real money. Test the platform’s responsiveness and availability before committing large investments.

6. Research Tools and Insights

Advanced platforms often provide stock analysis, mutual fund ratings, financial news, and portfolio tracking. These are especially helpful for active investors.

7. Mobile App Stability

Since most users rely on mobile investing apps, check app ratings, user reviews, and update frequency to ensure stability and speed during market hours.

8. Ease of SIP and Automated Investments

For consistent investing, look for SIP investment apps that allow easy setup, pause/resume features, and flexibility in investment amounts.

9. Tax Reports and Statements

A good investment platform simplifies your tax filing by providing downloadable capital gain statements, P&L reports, and transaction histories.

10. Integration with Banks and UPI

Fast deposits and withdrawals via UPI, Net Banking, and linked savings accounts can make your investment process more seamless and trustworthy.

Documents Needed to Open Account on Investment App

The following is the list of documents required to open the trading account app:

Proof of Identity (Photo ID):

• PAN card
• Voter’s ID
• Passport
• Driving license
• Aadhaar card

Proof of Address (Address Proof):

• Landline bill
• Electricity bill
• Bank statement
• Ration card
• Passport
• Voter’s ID

Income Proof (Optional):

• Last six months’ bank statement
• Three months’ salary slips
•  Income tax return (ITR)

Bank Proof:

• Cancelled cheque
• Bank passbook
• Bank account statement

Additional Documents:

• Registered lease or sale agreement
• Driving license
• One passport-size photograph
• Your signature on a piece of paper

Conclusion

India’s investing landscape is evolving at a rapid pace, with dozens of apps catering to every kind of investor—from novice to expert. Whether it’s investing in stocks, mutual funds, ETFs, or even bonds, there’s a platform designed for each need. The above list showcases the most dependable, secure, and user-friendly apps to support modern financial goals.

Choosing the right app depends on individual priorities—be it low fees, advanced tools, or intuitive interfaces. As digital finance becomes the norm, selecting the right tool for investment in India is more critical than ever.

Frequently Asked Questions (FAQs)

1. Which is the best investment app in India for beginners?

Groww, Kuvera, and Paytm Money are widely recommended for beginners due to their simple interfaces, zero-commission mutual fund options, and educational tools that simplify investing for beginners.

2. Are investment apps in India safe to use?

Yes, top investment platforms in India follow strict regulatory guidelines from SEBI and employ security features such as 2FA, data encryption, and biometric login to protect user data and transactions.

3. Which app is best for stock market investing?

Zerodha and Angel One are two of the most popular stock trading apps in India, offering low brokerage, advanced charting tools, and seamless execution for stock market investing.

4. Can I invest in mutual funds through mobile apps?

Absolutely. Apps like myCAMS, INDmoney, and Kuvera specialize as mutual fund investment apps, enabling users to invest directly in regular and direct mutual funds with zero commission.

5. What are the best apps for SIP investment?

If you’re looking at investing in SIP, Groww, Paytm Money, and m.Stock provide easy SIP setups, with features like auto-debit, skip/pause, and flexible contributions.

6. Which app is ideal for tracking my investments?

INDmoney, Univest, and 5paisa double as investment tracking apps and investment portfolio apps, helping you monitor returns, asset allocation, and overall performance across instruments.

7. Do these apps allow investing in gold and ETFs?

Yes. Many online investing apps, including Groww, Paytm Money, and Upstox, offer options for investing in gold and investing in ETFs like Bharat Bond or index funds.

8. Can I invest in bonds using these apps?

Yes. Platforms like ICICI Direct, Zerodha, and HDFC Securities offer opportunities for investing in bonds, government securities, and fixed-income instruments.

9. Is it possible to do long-term financial planning with these apps?

Yes. Apps like INDmoney, Kuvera, and Univest include investment planning apps features such as goal tracking, retirement planning, and net worth calculation.

10. Which apps offer the best online stock trading experience in India?

Zerodha, Upstox, and Dhan are among the best online stock trading apps in India, known for fast execution, real-time data, and advanced charting tools.