Mutual fund investing has come a long way in India — from paperwork-heavy agents to smooth mobile apps that let you invest in minutes. As more Indians take the SIP route to wealth creation, choosing the right mutual fund investment app becomes crucial.
In this guide, we list the best mutual fund apps in India (2025) based on ease of use, fund options, direct plan access, charges, tracking tools, and overall reliability.
🔍 What Makes a Great Mutual Fund App?
Before diving into the list, here are the key factors to consider:
| Feature | Why It Matters |
|---|---|
| Direct Plan Access | Lower expense ratios, higher returns |
| Zero Commission | Keeps more returns in your pocket |
| Ease of Use | Smooth onboarding, clean UI |
| Variety of Funds | Access to top AMCs (ICICI, SBI, HDFC, etc.) |
| Smart Recommendations | Goal-based or AI-driven suggestions |
| Performance Tracking | Daily NAV, SIP tracking, and portfolio analytics |
📱 Top Mutual Fund Apps in India (2025)
Here are the top-rated and most popular mutual fund investment apps you can consider:
1. Groww
One of the most downloaded mutual fund apps in India, especially among millennials.
| Feature | Details |
|---|---|
| Fund Access | Direct mutual funds only |
| Charges | Zero commission |
| KYC Process | Fully online & quick |
| Other Products | Stocks, ETFs, FD, digital gold |
| UI/UX | Clean, beginner-friendly |
✅ Best for: First-time investors, DIY users.
2. Kuvera
India’s first completely free direct mutual fund investing platform.
| Feature | Details |
|---|---|
| Charges | 100% free; no advisory fee |
| Tools | Tax harvesting, goal planning |
| Portfolio Tracking | Family account view |
| Extras | Term insurance and gold also offered |
✅ Best for: Fee-conscious, long-term passive investors.
3. ET Money
A powerful app by the Times Internet group offering advanced financial tools.
| Feature | Details |
|---|---|
| Fund Access | Direct mutual funds |
| Smart Engine | ET Money Genius (AI recommendations) |
| Extra Features | Budgeting, insurance, tax saving tools |
| Premium Option | Subscription-based advisory (Genius) |
✅ Best for: Advanced users seeking goal-based AI investing.
4. Paytm Money
From India’s leading fintech brand, this app combines simplicity with breadth.
| Feature | Details |
|---|---|
| Fund Access | Direct mutual funds |
| Charges | Zero commission |
| Features | SIP modification, NAV alerts |
| Cross-Selling | Stocks, NPS, F&O, IPOs also available |
✅ Best for: Paytm users and multi-product investors.
5. Zerodha Coin
Offered by Zerodha, India’s largest stockbroker, through a secure and stable platform.
| Feature | Details |
|---|---|
| Fund Access | Direct funds from 40+ AMCs |
| Charges | Free for Zerodha clients |
| USP | Funds held in demat form |
| Requirements | Zerodha trading account needed |
✅ Best for: Existing Zerodha users, demat-based investors.
6. Scripbox
A trusted robo-advisory platform with curated fund recommendations.
| Feature | Details |
|---|---|
| Strategy | Goal-based planning |
| Fund Type | Direct mutual funds |
| Charges | No upfront charges; may have advisory fees |
| Add-ons | Portfolio review, retirement tools |
✅ Best for: Guided investors, retirees, families.
7. Fisdom
Backed by banks like Bank of Baroda, Fisdom offers mutual fund investing via app and partner banks.
| Feature | Details |
|---|---|
| App Integration | With multiple Indian banks |
| Fund Variety | Equity, debt, hybrid, ELSS |
| Add-ons | NPS, tax-filing tools |
✅ Best for: Bank-linked investors, salaried professionals.
🧮 Comparison Table: Top Mutual Fund Apps (2025)
| App | Direct Plans | Fees | Goal Planning | Extra Products | Best For |
|---|---|---|---|---|---|
| Groww | ✅ Yes | Free | Basic | Stocks, F&O, FD | Beginners, mobile investors |
| Kuvera | ✅ Yes | Free | Advanced | Term insurance, gold | Passive, long-term investors |
| ET Money | ✅ Yes | Free/₹249+ | AI-powered | Insurance, tax tools | Smart planners |
| Paytm Money | ✅ Yes | Free | Simple | Stocks, IPO, NPS | Paytm ecosystem users |
| Zerodha Coin | ✅ Yes | Free | Limited | Requires Zerodha demat | Zerodha clients |
| Scripbox | ✅ Yes | Free* | Strong | Retirement planning | Guided investing |
| Fisdom | ✅ Yes | Free | Moderate | NPS, tax filing | Bank-integrated investors |
📘 How to Start Investing in Mutual Funds via App (Step-by-Step)
- Download App (Groww, Kuvera, etc.)
- Complete e-KYC (PAN, Aadhaar, bank details)
- Choose Investment Type (SIP or lump sum)
- Select a Fund (based on goal or risk)
- Start Investment (as low as ₹100/month)
- Track & Review Portfolio regularly
💡 Tips to Pick the Best Mutual Fund App for You
| Factor | Consider This… |
|---|---|
| New Investor | Choose Groww or Paytm Money for simplicity |
| Tax Planning | Use ET Money, Kuvera, or Scripbox |
| Advanced Insights | ET Money Genius or Kuvera |
| Portfolio Tracking | Look for family view and export tools |
| Lowest Charges | Go with 100% direct plans (Kuvera, Coin) |
| Existing Broker | Stick to Zerodha Coin or Paytm Money |
❓ FAQs: Best Mutual Fund Apps in India
Q. Is it safe to invest in mutual funds via apps?
Yes, top apps like Groww, Kuvera, Coin, and ET Money are SEBI-registered and work with regulated AMCs. Investments are held securely in your name.
Q. What is the benefit of direct mutual fund plans?
Direct plans skip distributor commissions, leading to higher returns (0.5%–1.5% more annually) over regular plans.
Q. Can I switch from a regular plan to a direct plan using these apps?
Yes. Many apps allow you to import your existing portfolio and help switch to direct plans seamlessly.
Q. Are there any hidden charges in mutual fund apps?
Most leading apps are free, especially for mutual funds. Premium tools (e.g., ET Money Genius) may require a subscription.
Q. Can I pause or change my SIP through the app?
Absolutely. You can modify, pause, or cancel SIPs anytime through your app dashboard.
🏁 Conclusion
Whether you’re saving for retirement, a child’s education, or just want to beat inflation — mutual fund investing via mobile apps is the most convenient way to grow your wealth in 2025.
The right app depends on your style:
- For simplicity: Groww, Paytm Money
- For advanced planning: ET Money, Kuvera
- For zero-fee investing: Kuvera, Zerodha Coin
Choose one that aligns with your goals, risk level, and comfort. And remember — the earlier you start, the better your long-term returns.