Top 10 Best App for Mutual Fund Investment in India (2025)

Introduction

In today’s fast-paced digital world, managing investments has become as easy as ordering food online. For Indian investors—especially beginners and young professionals—mutual funds offer a smart and disciplined way to build long-term wealth. And thanks to the growing number of mobile applications, you no longer need to visit banks or depend on traditional agents to get started. All you need is a smartphone and the right app.

If you’re looking to grow your money through mutual funds, choosing the best app for mutual fund investments can make all the difference. From tracking your portfolio in real time to setting up automated SIPs, these apps bring everything to your fingertips. The best part? Most of them support direct mutual fund plans, which means you save on commission and earn better returns over time.

As a tech blogger, I’ve seen how fintech is transforming personal finance in India. The new-age mutual fund apps are secure, easy to use, and packed with powerful features that cater to both beginners and seasoned investors. Whether you’re investing for tax savings, retirement, or short-term goals, using a trusted app simplifies the entire journey.

In this blog, I’ll walk you through the top 10 best apps for mutual fund investment in India in 2025. I’ll also share how to choose the right app based on your needs, what features to look for, and tips to avoid common mistakes. If you’re ready to take control of your finances, this guide will help you start your investment journey the smart way. To learn more about fund categories and NAV updates, visit the official AMFI website.

Key Features to Look for in a Mutual Fund App

Choosing the best app for mutual fund investments isn’t just about flashy design or user reviews—it’s about what the app can actually do for you. Whether you’re a first-time investor or someone looking to switch to a better platform, knowing the essential features can save you from confusion and help you make smarter financial decisions. Here are the top features you should consider before installing any mutual fund investment app.

1. Direct Plans

One of the biggest factors to look for is whether the app allows you to invest in direct mutual fund plans. Unlike regular plans, direct plans have no intermediary commissions, which means you get higher returns over the long term. The difference might seem small initially, but it adds up significantly, especially in equity and hybrid funds. A good mutual fund app should clearly label direct plans and make them the default option.

2. SIP Support

Systematic Investment Plans (SIPs) are ideal for disciplined investing. The app you choose must offer flexible SIP options—weekly, monthly, or quarterly—along with features like SIP pause, skip, or change. It should also allow you to set reminders and track upcoming SIP dates. The best app for mutual fund investing will even suggest SIP amounts based on your goals and risk appetite.

3. Zero Commission

Apart from direct plans, a trustworthy app will never charge hidden fees or commissions for transactions. Zero-commission platforms are preferred because they work in your best interest, not in the interest of promoting certain funds. Transparency in cost is key when it comes to long-term investing.

4. Real-time Tracking & Reports

Keeping track of your portfolio is just as important as investing. A good mutual fund app will offer real-time NAV updates, profit and loss summaries, asset allocation insights, and downloadable reports. Some advanced apps even provide goal-based tracking, where you can check if your investments are on track to meet specific financial goals.

5. Ease of Use & Security

A clean, intuitive user interface makes a huge difference—especially for beginners. You should be able to search, compare, and invest in funds without going through complex steps. Moreover, the app should support biometric login, two-factor authentication, and secure payment gateways to keep your personal and financial data safe.

In conclusion, choosing the best app for mutual fund investing should be a thoughtful process. Always go for an app that offers direct plans, SIP flexibility, zero commission, smart tracking tools, and strong security features. These key elements ensure that your investing journey is smooth, informed, and financially rewarding.

Top 10 Best Apps for Mutual Fund Investment in India (2025)

With so many apps in the market, choosing the best app for mutual fund investment in India can be confusing. Each platform comes with its own set of features, benefits, and focus areas. Whether you’re a beginner or an experienced investor, this list of the top 10 mutual fund apps in 2025 will help you find the perfect platform to manage your investments with ease.

1. Groww

Groww is one of the most popular investment apps in India, especially among young investors. It offers a clean and user-friendly interface that makes it easy to explore, compare, and invest in mutual funds.

Key Features:

• Supports direct mutual fund plans
• Easy SIP setup and tracking
• Quick KYC and paperless onboarding
• Real-time NAV tracking
• Also supports stocks and digital gold

Best For: Beginners and tech-savvy investors looking for simplicity.

2. Zerodha Coin

Zerodha Coin is a product from Zerodha, India’s largest stockbroker. This platform is highly trusted and offers mutual fund investments directly from your Zerodha account.

Key Features:

• Invest in direct mutual funds without commission
• Integrated with Zerodha demat account
• Smart fund filters and analytics
• No additional platform fee

Best For: Existing Zerodha users and active investors.

3. Kuvera

Kuvera is known for its powerful goal-based investment tools and 100% free direct mutual fund offerings. It also provides useful insights to track and optimize your investments.

Key Features:

• Zero commission direct plans
• Family account management
• Tax harvesting and goal tracking tools
• Portfolio rebalancing

Best For: DIY investors and families managing joint portfolios.

4. Paytm Money

Backed by Paytm, this app offers a wide range of investment options including mutual funds, stocks, and NPS. It supports both direct and regular plans.

Key Features:

• Low minimum investment
• Direct plan support with detailed fund analysis
• Paperless KYC
• Integrated with Paytm Wallet and UPI

Best For: Paytm users and small investors looking to start with SIPs.

5. ET Money

ET Money provides a combination of simplicity and in-depth research. It offers financial planning tools and allows you to track expenses alongside your investments.

Key Features:

• Invest in direct mutual fund plans
• Expense manager and insurance tracking
• SIP calculator and fund suggestions
• Tax-saving recommendations

Best For: Budget-conscious investors and those looking for financial planning.

6. INDmoney

INDmoney offers an all-in-one platform to manage Indian and US stocks, mutual funds, fixed deposits, and more. It is especially useful for investors looking for insights and automation.

Key Features:

• Zero commission mutual fund investments
• Automatic portfolio tracking via linked accounts
• US stock investment support
• Goal-based planning and robo-advisory

Best For: Modern investors who prefer automated financial management.

7. Scripbox

Scripbox is ideal for beginners who need guidance. It offers curated portfolios based on your goals and risk profile.

Key Features:

• Personalized fund recommendations
• Tax-saving plans and ELSS suggestions
• Simple goal-based investment interface
• Portfolio rebalancing and expert assistance

Best For: Beginners who need hand-holding and guided investments.

8. Tata Capital Moneyfy

Moneyfy is a Tata Capital app that focuses on mutual fund investments along with insurance and loans. It offers a wide variety of funds from different AMCs.

Key Features:

• Invest in both regular and direct plans
• Wide fund selection
• Insurance and loan products also available
• Easy SIP management

Best For: Investors looking for a well-known brand and multiple financial services in one app.

9. Navi Mutual Fund App

Navi is a newer entrant but gaining popularity due to its ultra-low-cost funds and fast interface. It is known for launching innovative index funds.

Key Features:

• Direct access to Navi mutual funds
• Low expense ratio funds
• Quick account setup
• Simple design and navigation

Best For: Investors looking for low-cost passive funds and simplicity.

10. Upstox

Upstox is primarily known for stock trading, but its mutual fund section is also growing rapidly. It offers a simple interface and direct plan support.

Key Features:

• Commission-free direct plans
• Integration with trading account
• SIP and lump sum support
• Fast KYC and onboarding

Best For: Upstox users and those wanting one platform for stocks and mutual funds.

Final Thoughts

Finding the best app for mutual fund investment depends on your needs, experience, and financial goals. If you’re just starting out, apps like Groww, Paytm Money, or Scripbox are great for ease of use. For more advanced features and long-term planning, Kuvera, INDmoney, or Zerodha Coin might suit you better. Make sure to choose an app that supports direct plans, charges zero commission, and offers secure, reliable service. Investing through the right platform can significantly impact your financial growth over time.

Comparison Table – Best Mutual Fund Apps (2025)

Here’s a quick comparison of the top 10 platforms to help you choose the best app for mutual fund investment based on features, usability, and support:

App Name	Direct Plans	Commission-Free	SIP Support	Portfolio Tracking	Ease of Use	Unique Feature	Best For
Groww	Yes	Yes	Yes	Yes	Very Easy	Clean UI & fast onboarding	Beginners, young investors
Zerodha Coin	Yes	Yes	Yes	Yes	Moderate	Integrated with Zerodha account	Active investors, Zerodha users
Kuvera	Yes	Yes	Yes	Yes	Easy	Goal-based & family portfolio support	DIY investors, families
Paytm Money	Yes	Yes	Yes	Yes	Easy	Low SIP amount & Paytm integration	Small & first-time investors
ET Money	Yes	Yes	Yes	Yes	Easy	Expense manager & tax planner	Budget planners, ELSS investors
INDmoney	Yes	Yes	Yes	Yes	Moderate	US stocks + goal-based investing	All-in-one finance users
Scripbox	Yes	Yes	Yes	Yes	Very Easy	Expert-curated fund baskets	Beginners seeking guidance
Moneyfy	Yes	Yes	Yes	Yes	Moderate	Tata’s trust & multi-service platform	Traditional investors
Navi	Yes	Yes	Yes	Basic	Very Easy	Ultra-low cost passive funds	Low-cost index fund investors
Upstox	Yes	Yes	Yes	Yes	Easy	Stocks + mutual funds on one app	Traders-turned-investors

This table gives a bird’s-eye view of the top players so you can compare and select the best app for mutual fund investments that aligns with your personal investing style and goals. Let me know if you’d like a downloadable version (CSV or image) of this table.

How to Choose the Right App for Your Needs

With so many platforms available, finding the best app for mutual fund investment isn’t just about picking the most popular one—it’s about choosing what works for you. Your investing style, financial goals, and comfort level with technology all play a role in this decision. Here’s a simple guide to help you pick the right app based on your specific needs:

For Beginners

If you’re just starting out, ease of use should be your top priority. Look for an app with a clean interface, simple navigation, and educational support. Features like goal-based investing, curated fund recommendations, and SIP calculators can make your journey smooth and stress-free.

Best Picks:
– Groww: Minimal design, beginner-friendly interface
– Scripbox: Offers guided fund selection and hand-holding support
– ET Money: Combines investing with budgeting tools

For Tax Saving (ELSS)

If saving tax under Section 80C is your goal, go for apps that help you compare and invest in the best ELSS (Equity Linked Saving Schemes). These apps should offer performance data, lock-in period clarity, and tax-saving calculators. Investing in ELSS funds allows tax deductions under Section 80C, as per the Income Tax Department.

Best Picks:
– ET Money: Known for its ELSS ranking and tax-planning section
– Kuvera: Lets you track ELSS funds and plan better with goal-based tools
– Paytm Money: Easy ELSS SIP setup with flexible amounts

For DIY Investors

If you prefer doing your own research and managing investments without hand-holding, choose an app that offers advanced tools—like fund screeners, portfolio rebalancing, and analytics.

Best Picks:
– Kuvera: Great for goal-setting, rebalancing, and family account management
– Zerodha Coin: Ideal for those who already use Zerodha for stocks
– INDmoney: Smart insights, automated tracking, and wealth tools

For Long-term SIP Investors

If you’re planning to build long-term wealth through SIPs, you’ll need a platform that makes SIP setup, monitoring, and automation easy. Look for features like SIP calendars, SIP pause/skip options, and performance summaries.

Best Picks:
– Groww: Easy SIP management and tracking
– INDmoney: Goal-based SIPs with regular performance alerts
– Moneyfy: Allows detailed SIP setup with reminders

In the end, the best app for mutual fund investing is the one that fits your lifestyle and financial goals. Try a couple of apps to see which interface you’re most comfortable with, and always prioritize platforms that offer direct plans, zero commission, and strong security.

Tips for Investing in Mutual Funds via Apps

Investing through mobile apps has made mutual funds more accessible than ever before. Whether you’re a student, a salaried employee, or a freelancer, all you need is a smartphone to start your investment journey. However, to truly benefit from these platforms, you need to follow some smart practices. Here are a few essential tips to help you make the most out of the best app for mutual fund investments:

Start with Small SIPs

If you’re new to investing, starting small is the smartest move. You don’t need a huge amount to begin; most apps allow you to start a SIP (Systematic Investment Plan) with as little as ₹100 or ₹500 per month. Small SIPs help you develop the habit of consistent investing without affecting your monthly budget. Over time, you can gradually increase your contributions as your income and confidence grow.

Avoid Regular Plans

Many investors unknowingly invest in regular mutual fund plans that include commission charges and distributor fees. These hidden charges reduce your overall returns in the long run. Always choose direct plans, which are available on all top mutual fund apps and offer higher returns by cutting out intermediaries. The best app for mutual fund investing will clearly label direct plans and guide you toward them by default.

Use Goal-based Investment Features

Investing without a goal is like driving without a destination. Good mutual fund apps allow you to create specific goals like retirement planning, buying a house, or building an emergency fund. These features help you choose the right type of funds, set realistic targets, and track your progress over time. Goal-based investing not only keeps you motivated but also ensures that your portfolio stays aligned with your life’s priorities.

In summary, starting small, staying commission-free, and investing with clear goals are three powerful habits that can turn your mutual fund investments into long-term wealth. The right app simplifies all of this—making investing easier, smarter, and more rewarding.

Common Mistakes to Avoid While Using Investment Apps

Using a mutual fund app to manage your investments is a smart move—but only if you avoid some common mistakes. These apps offer convenience, but without the right knowledge and discipline, you could end up making poor financial decisions. If you’re searching for the best app for mutual fund investments, it’s equally important to know what not to do once you start using it. Here are three major mistakes to avoid:

Ignoring Expense Ratios

Many new investors focus only on fund returns and ignore the expense ratio, which is the annual fee charged by the fund house to manage your investment. Even a 1% difference in expense ratio can have a big impact on long-term returns. Always check the expense ratio before investing, especially in equity or hybrid funds. The best app for mutual fund investing will display this information clearly under fund details—use it to compare and choose wisely.

Following Trends Blindly

It’s tempting to invest in trending funds or sectors that are currently performing well. However, blindly following trends without understanding the fund’s objective, risk level, and history can lead to poor outcomes. Mutual funds are long-term instruments, and chasing recent performance often results in buying high and selling low. Stick to your goals, do your research, and avoid herd mentality. A good investment app should help you filter and compare funds based on your risk profile—not just popularity.

Not Reviewing Portfolio Regularly

Investing and forgetting might sound peaceful, but it’s not wise. Markets change, your financial goals evolve, and some funds may underperform over time. Not reviewing your portfolio at least once every 6 to 12 months is a mistake many investors make. Regular review helps you rebalance your investments and stay on track. Most top mutual fund apps offer portfolio tracking tools—use them to monitor growth, track SIPs, and make timely adjustments.

By avoiding these common mistakes, you’ll not only protect your money but also increase your chances of achieving long-term financial success. Choosing the best app for mutual fund is the first step; using it smartly is what truly makes the difference.

Conclusion

Investing in mutual funds through mobile apps has made wealth-building more accessible than ever. But with so many platforms available, it’s important to choose the best app for mutual fund investments that aligns with your personal financial goals and comfort level.

Always start by understanding what you want to achieve—whether it’s saving for retirement, building an emergency fund, or planning for your child’s education. Once your goals are clear, it becomes easier to select an app that supports features like goal-based investing, SIP management, and direct plans. Remember, what works for someone else may not work for you. Your investment journey should be tailored to your needs, not trends.

Equally important is choosing a trusted and regulated platform. Ensure the app is registered with SEBI, follows secure transaction protocols, and clearly displays fund details, expense ratios, and risk factors. The best app for mutual fund investing will always offer transparency, ease of use, and a strong track record.

In the end, successful investing is not just about choosing the right fund—it’s also about choosing the right tool to invest in it. Make your decision wisely, start small, and stay consistent. The right app can simplify your financial life and help you stay focused on what truly matters—your future.

Also Read: No Experience? No Problem! Best Credit Cards for Indian Beginners in 2025

FAQs

1. Are these apps safe for investing in mutual funds?
Yes, most popular mutual fund apps in India are registered with SEBI and operate under strict regulatory guidelines. They use secure encryption, two-factor authentication, and trusted payment gateways. Always choose a well-reviewed and regulated platform to ensure your data and investments remain protected.

2. Can I start with ₹500 per month?
Absolutely. Many mutual funds allow you to start a SIP with as little as ₹500 per month, and some even accept ₹100. This makes it easy for beginners to start small and gradually increase their investment over time. The best app for mutual fund investing will show you all eligible funds based on your budget.

3. Is PAN card required?
Yes, a PAN card is mandatory for investing in mutual funds in India. It helps in completing your KYC (Know Your Customer) verification, which is a SEBI requirement. Most apps allow you to complete e-KYC quickly using your PAN, Aadhaar, and a few basic details.

4. What is the difference between direct and regular plans?
In a direct plan, you invest directly with the mutual fund company without involving any broker or distributor. As a result, the expense ratio is lower, and you earn higher returns over time. In a regular plan, a commission is paid to the intermediary, which reduces your returns. Always choose direct plans through the app to maximize gains. The best app for mutual fund investing will clearly mention whether a fund is direct or regular.