A few decades ago, investment was done by experts and financial advisors only. But these days are gone now we have technology, and there are many platforms which will help you build or even guide you about investment, whether you are a beginner or an advanced-level investor.
All you need is a smartphone, Wi-fi, the right app, and a cup of coffee (Coffee is optional). That’s it. Now you can start investing, and let me tell you a secret, you can start with just Rs. 100 or even less. Surprised? Most people are.
But here’s the catch: there are so many investment apps out there, it’s easy to feel lost.
Don’t worry, I’ve done the homework for you.
In this blog, I’ll share some of the best investment apps for beginners in India, how they work, and which one might be right for you.
What Makes an App Good for Beginners?
Before we discuss the list of apps, first we have to understand “What are we looking for in an APP?”
- Easy-to-use interface
- Low minimum investment
- Educational content or support
- Safe, secure, and trusted by real users
- A range of investment options like mutual funds, SIPs, stocks, etc.
Top 5 Investment Apps for Beginners
1. Groww
Best for: Mutual Funds, SIPs, Stocks
User-friendly, clean interface
Groww is one of the most popular investment apps for beginners. It makes investing feel simple, even if you have no background in finance.
You can:
- Start SIPs with as low as ₹100
- Track your mutual funds in one place.
- Buy and sell stocks easily.
It also explains financial terms in easy language. Great place to start!
2. Upstox
Best for: Beginners interested in stocks
Low brokerage, fast setup
If you’re curious about the stock market but scared of high risk, Upstox is a good app to explore.
You can:
- Open a free Demat account
- Learn via blogs and tutorials.
- Track real-time stock prices
It’s great for learning the ropes while keeping things simple.
3. ET Money
Best for: Smart financial planning
Mutual funds + expense tracking
ET Money is like your personal finance buddy. It helps you not just invest, but also manage your money better.
You can:
- Start SIPs and lump sum investments
- Save tax with ELSS (Equity Linked Savings Scheme) funds.
- Track monthly expenses and budgets.
It’s beneficial if you want all your finances in one app.
4. INDmoney
Best for: Tracking all investments in one place
US Stocks, Mutual Funds, FD, Credit Score
INDmoney is great if you want to manage your entire financial life from one app.
You can:
- Invest in US stocks like Apple or Google
- Do SIPs in Indian mutual funds
- Track loans, credit cards, FDs, and more
It also gives you financial insights and free credit score checks.
5. Paytm Money
Best for: Investors already using Paytm
Mutual Funds, Stocks, NPS, Gold
Paytm Money is a simple app that works well if you’re already using Paytm for payments. It offers:
- Easy SIP setup
- Zero commission direct mutual funds
- Stock market investing for beginners.
You can also invest in digital gold, which is a safer choice for cautious investors.
Which App Should You Choose?
It depends on what you’re looking for.
| Your Need | Try This App |
| Want a clean, beginner-friendly start | Groww |
| Curious about stock trading | Upstox |
| Want to manage money + invest | ET Money |
| Want all investments in one place | INDmoney |
| Already use Paytm | Paytm Money |
Pro Tips for First-Time Investors
- Start small – Even ₹100 is enough to begin.
- Don’t rush – Take time to learn before going big.
- Be consistent – SIPs work best when done regularly.
- Watch & learn – Follow finance YouTubers or read blogs.
- Use app features – Most apps have tutorials and guides. Use them!
Final Words
Starting your investment journey may feel scary, and your mind starts asking you many questions like “What if I lose all my money?” and like that, but trust me, it gets easier with every step you take in your journey.
With the help of these apps, you can make your investing journey smoother, simpler, and safer for beginners like you and me.
You don’t need to be a finance expert. You just need to start smart, stay consistent, and keep learning.
So, download one of these apps, explore a bit, and take your first step toward financial freedom.