Best apps to invest in mutual funds in India

Investing in mutual funds used to mean signing forms, visiting bank branches, and deciphering endless jargon. Not anymore. In 2025, a few simple apps have transformed this experience—making it digital, transparent, and far easier for everyday investors.

But choosing the right platform matters. You need an app that’s easy to navigate, offers direct mutual funds (so you don’t lose money to distributor commissions), automates SIPs, and helps track returns clearly. Below are the best mutual fund apps in India today—each designed to simplify your journey and keep you consistent.

Groww – mutual fund investing made effortless

Groww stands out as the best beginner-friendly app to invest in mutual funds, built around the idea that investing should be simple, transparent, and accessible to everyone. It is the largest and fastest-growing investment platform in India by active users on the NSE (as of June 30, 2025).

The platform gives investors access to more than 5,000 direct mutual funds from all of India’s AMCs, all with zero commissions and no paperwork.

Starting your investment journey on Groww takes only a few minutes. The process is fully digital and paperless, with instant KYC verification, UPI-based payments, and real-time account activation. Once set up, investors can easily start a Systematic Investment Plan (SIP) or make a lump-sum investment in their preferred mutual fund.

Why does it make investing easy?

• Instant, 100% paperless account setup, no branch visits or manual forms.
• Invest in direct mutual funds with zero commission to maximise returns.
• Built-in SIP tracking and performance insights to stay on top of your goals.
• Minimalist, clutter-free interface designed for first-time investors.

Investor pain point it solves: It removes confusion. You don’t need to know every market term to start investing; Groww does the heavy lifting while you focus on consistency.

Zerodha Coin – direct investing with complete control

If you already trade with Zerodha or want deeper analytics, Zerodha Coin is your next step. It lets you buy and manage direct mutual funds directly from your Zerodha account. The interface is clean, professional, and data-rich—ideal if you enjoy precision.

What sets it apart:

• Invest in direct mutual funds with zero commission.
• Integrated with Zerodha’s “Console” for detailed reporting.
• Simple SIP management and auto-debit features.
• Advanced users get complete visibility of NAV, CAGR, and historical returns.

Investor pain point it solves: You get transparency and depth of data without needing multiple platforms. Everything—stocks, mutual funds, SIPs—stays under one roof.

Kuvera – perfect for goal-based investing

Kuvera helps you invest with purpose. Instead of just picking funds, you can define financial goals—like retirement, buying a home, or education—and link SIPs to each. Its AI-driven insights help you stay on track.

Why you might love it:

• Goal and tax planning features are integrated with investing.
• Family account setup to manage multiple portfolios.
• Automated portfolio rebalancing and diversification suggestions.
• No commission—direct plan funds only.

Investor pain point it solves: It makes your SIPs meaningful. You see exactly what your money is working toward —not just random fund names.

ET Money – smart investing with personal guidance

ET Money combines simplicity with insight. It helps you discover funds that fit your risk level, investment horizon, and return expectations. The app automatically suggests rebalancing if your portfolio drifts from your goals.

Standout features:

• Goal-based investing and personalised fund recommendations.
• Portfolio health check with actionable suggestions.
• Smart reminders for SIP renewals and adjustments.
• Expense tracking and insurance integration.

Investor pain point it solves: Decision paralysis. ET Money filters options so you don’t get lost comparing dozens of similar-sounding funds.

Paytm Money – excellent for small and new investors

If you’re starting small, Paytm Money offers one of the easiest entry points. Backed by the trusted Paytm ecosystem, it allows SIPs starting at just ₹100. You can explore mutual funds, NPS, and ETFs in one app.

Top highlights:

• Low minimum SIP amounts.
• Paperless onboarding and secure payment flow.
• Direct plan access and automatic investment tracking.
• Integrated with your existing Paytm wallet and bank.

Investor pain point it solves: Accessibility. You don’t need a lot of capital to start; Paytm Money encourages consistent, small-step investing.

INDmoney – one view for your entire wealth

INDmoney goes beyond mutual funds—it aggregates all your finances. The app automatically detects existing mutual fund investments in your email statements and consolidates them into a single dashboard. It also supports US stock investing and fixed deposits.

Why it’s gaining traction:

• One-stop view of all your investments and net worth.
• Portfolio analytics and goal projections.
• Auto-import of old mutual fund data from emails.
• AI-based insights to optimise returns.

Investor pain point it solves: Fragmentation. If you invest through multiple AMCs or apps, INDmoney consolidates everything.

myCAMS – built for active fund holders

myCAMS is the official app by CAMS, India’s largest mutual fund registrar. It’s not flashy but extremely dependable. If you hold mutual funds across different AMCs, myCAMS helps you easily manage, redeem, and switch between them.

Why it’s dependable:

• Works across 35+ fund houses.
• View consolidated portfolio and transaction history.
• Set up or modify SIPs directly.
• Fast, stable, and highly secure.

Investor pain point it solves: Clarity. It brings together all your mutual fund holdings, even if you didn’t invest via an app initially.

Smart habits before you start investing

• Consider picking direct plans—they give higher returns than regular ones.
• Automate SIPs so you never skip an instalment.
• Review your funds once or twice a year, not weekly.
• Match fund type to your goals: equity for long-term, debt for short-term.
• Don’t chase short-term market trends—consistency beats timing.

Conclusion

Mutual funds are designed for patient investors, and the right app makes that patience effortless. Whether you prefer Groww’s simplicity, Kuvera’s goal-based discipline, or Zerodha Coin’s precision, each platform ensures that your money grows with purpose.

The best part? You don’t need to be a market expert to get started. These apps handle the hard work while you stay focused on building wealth, one SIP at a time. In the age of digital investing, smart consistency—not complexity—is your biggest edge.