SIP (Systematic Investment Plan) has become the preferred way to invest in mutual funds in India, with record collections of ₹26,688 crore in May 2025 and over 8.56 crore active accounts. As SIP AUM crosses ₹14.61 lakh crore, choosing the best SIP app in India has become essential for building wealth safely and systematically. The right app makes investing simple, disciplined, and goal-oriented.
This blog will discuss the top 10 SIP apps based on the latest features of 2025.
What is SIP and why invest through SIP Apps?
SIP (Systematic Investment Plan) is an investment method in which you invest a fixed amount in mutual funds every month. It is a disciplined and easy way to build wealth in the long run, especially for those who want to start with small investment amounts. In SIP, you take advantage of rupee cost averaging i.e. even if the market fluctuates, your average purchase price remains low.
Why are SIP Apps important?
In 2025, when almost everything has gone online, mobile apps have made everything even easier for SIP investments. Now you can invest in mutual funds from the comfort of your home, that too in just a few minutes.
Benefits of SIP Apps :
- The entire process is paperless and fast
- You can easily track all your investments
- Most apps offer you direct mutual funds, which saves commission
- Goal-based investing and risk analysis tools help you analyze investment options better
What should be there in a good SIP App?
- Easy and user-friendly interface
- Zero or very low charges
- Access to all major mutual funds
- Safe and SEBI-registered platform
- Features like portfolio tracker and alerts
SIP apps not only provide convenience, but have also become the smartest way to plan and manage your financial goals; so choosing the right best platform for SIP is important.
Read Also: SIP in Stocks vs SIP in Mutual funds?
10 Best Apps for SIP Investment in India (2025)
| App Name | SIP & Lump Sum Option | Key Highlights | App Ratings (Android / iOS) |
|---|---|---|---|
| Groww | Available | Stocks, F&O, IPOs, UPI Autopay, clean UI | 4.7 * / 4.3 * |
| Zerodha Coin | Available | UPI SIP, STP, low-cost direct plans | 3.8 * / 3.3 * |
| Kuvera | Available | UPI SIP, STP, low-cost direct plans | 4.6 * / 4.5 * |
| Paytm Money | Available | Mutual Funds + Stocks, Stock SIP, IPOs, GTT orders | 3.7 * / 4.4 * |
| INDmoney | Available | US stocks, credit score, tax tools, MF loans | 4.6 * / 4.7 * |
| ET Money | Available | Smart fund picks, insurance & loan access, tax-saver packs | 4.2 * / 4.4 * |
| Upstox MF | Available | Integrated with Upstox trading app, ₹0 brokerage, tax-saver funds | 4.5 * / 4.3 * |
| Fisdom | Available | Mutual funds, stocks, IPOs, portfolio management services | 4.5 * / 4.7 * |
| myCAMS | Available | Safe, paperless investing, no commission | 3.9 * / 3.1 * |
| KFinKart | Available | Paperless and safe investing with no commission | 3.1 * / 2.8 * |
Note: App rating can change significantly based on launch of new features, better versions, etc., so check before choosing a SIP platform.
Read Also: How to Cancel Mutual Fund SIP?
Overview of 1o Best Investment Apps in India
An overview of the 10 best investment apps in India is given below:
1. Groww
Groww is one of the most trusted and user-friendly SIP investment apps in India today. By 2025, Groww has over 50 million users and has become an excellent platform for beginners, especially those who are investing in mutual funds for the first time.
Groww was started in Bengaluru in 2016, and was founded by four ex-Flipkart employees – who wanted to make investing simplified and digital.
Key Features:
- SIP and lump sum investments in mutual funds from all major AMCs
- Easy and seamless SIP setup via UPI Autopay
- Along with mutual funds, corporate bonds, F&O, IPOs and digital gold are also available for investments
- Simple and clutter-free interface, which makes it easy for even new users to understand
- Curated fund suggestions in the “Explore” tab
Pros:
- Zero commission on direct mutual funds
- 100% paperless KYC and instant account activation
- Very easy to track and manage
Cons:
- Goal-based planning features are still limited
- Advance analytics tools are limited
Charges:
Groww does not charge for investing in mutual funds
Flat charge of ₹20 per executed order is applicable for Stock/F&O trading
Who is it suitable for?
If you are investing via SIP for the first time and want an easy, reliable and digital experience, then Groww is one of the best choices.
2. Zerodha Coin
Zerodha Coin, an offering from Zerodha Broking Ltd, was launched in 2017 and has become the largest zero-commission platform for direct SIP investments in India. Zerodha was established in 2010 and has a reach of over 13 million clients, making investing in Coin a safe and reliable option.
Key Features :
- Zero-commission direct mutual funds (no leaked commission)
- Instant mandate setup with UPI Autopay SIP – without ECS, and limit up to ₹1 lakh/day
- STP (Systematic Transfer Plan) within the same AMC
- Features such as weekly SIPs, XIRR, Family-portfolio views, etc.
Pros:
- Zero commission investing in direct mutual funds
- Part of the trusted Zerodha ecosystem
Cons:
- Zerodha Coin requires a Zerodha Demat account as mutual fund units are held in Demat form.
- Limited options for goal-based investing, limited advanced analytics
Charges:
- Mutual Funds (SIP/lump sum) investing is absolutely free
- Demat account maintenance charges ₹300/year (Quarterly ₹75).
Who is it right for?
Coin is a perfect fit for those who have a Zerodha trading account and want commission-free SIPs. For active traders and investors who like to use advanced features, Coin is a strong choice.
3. Kuvera
Kuvera was started in 2016 in Bengaluru, and was founded by Gaurav Rastogi (ex‑Morgan Stanley) and Neelabh Sanyal (ex‑Axis Capital). In 2024, it was acquired by Cred, which further expanded its resources and reach. Kuvera has become the preferred platform for trusted, smart and growth‑oriented investors.
Key Features:
- Zero-commission for investing in direct mutual funds
- Tax-harvesting & TradeSmart: Auto recommendations, exit-load and short‑term gain optimization for tax‑savings
- Goal & Family Account: Create family investments and goal‑based SIP plans like child education, retirement, or other specific goals.
- Portfolio consolidation CAS‑based import makes all MF investments visible at one place
- Asset classes like US stocks, fixed income & sovereign gold bonds also included by 2025
Pros:
- Completely commission-free investment in direct mutual funds through SIPs
- Advanced portfolio tools and tax-saving features are great
Cons:
- Some users have complained of UI and performance issues eKYC delays, app crash, duplicate SIPs
- Customer support has improved since Cred acquisition
Charges:
- Absolutely free in Mutual funds (SIP/lump sum)
- Other assets like US Stocks and FDs may have some nominal charges (check terms on platform)
Who is it right for?
- Investors looking for tax optimization
- Like to set up family portfolios or goal-based SIPs
- Trust DIY but want advanced tools
4. Paytm Money
Paytm Money was launched in January 2018 by One97 Communications (Paytm) to bring investing to India’s largest payment app. By 2025, the app has expanded rapidly, and has become popular for mutual funds as well as stock trading.
Key Features:
- Direct mutual fund SIP and lump sum investment across all major AMCs
- Instant SIP setup with UPI Autopay no paperwork
- Features across mutual funds as well as stocks, digital gold, NPS, F&O, IPO
- Smart investing tools like SIP reminder widgets and All-in-One SIP
- Start SIP from just ₹250 possible with flexible frequency
Pros:
- Zero commission direct SIP
- Easy to start with Low entry SIP (₹250)
- New trading tools like UPI Autopay, OCO (One Cancels Other) and GTT (Good Till Triggered) orders
- Facility to do both SIP and stock investing in a single app
Cons:
- Sometimes there are complaints of delay or rejection in SIP mandate setup
- Limited goal-planning and advanced analytics features
Charges:
- No charge for SIP and lump sum investment in mutual funds
- On Stocks and F&O trading Flat brokerage of ₹20 per order
Who is it right for?
Paytm Money is great for those who want to do mutual fund SIPs as well as stock investing from a single platform. It is a flexible and all-in-one investing app for both beginners and active investors.
5. INDmoney
INDmoney is a modern super finance app that was launched in 2019. It is known not only for SIP but also for offering US stocks, fixed deposits, credit score tracking and goal-based financial planning. By 2025, INDmoney has established itself as an all-in-one personal finance platform.
Key Features:
- SIP and lump sum investment in mutual funds from all major AMCs
- Scheduled recurring US stock investments with fractional shares, similar to SIP.
- Credit score tracking, insurance, loan offers and financial reports all in one place
- Personalized goal planner and family portfolio management
- Insta Plus feature also offers instant loans on mutual funds
Pros:
- Zero commission SIP and global investing on one platform
- Advance dashboard and insightful reports
- Tax-saving options and flexibility of goal-based planning
- Finance tools like credit score and loan eligibility
Cons:
- Too many app features can be overwhelming for beginners
Charges:
- SIP in mutual funds is completely free
- There may be some nominal platform charges on US stocks and other financial products
Who is it right for?
INDmoney is great for investors who want to invest in US stocks along with SIP. This app is very useful for those who need credit score tracking, insurance and smart financial planning.
6. ET Money
ET Money is a trusted fintech platform launched in 2016 by Times Internet. It is known not only for SIP investment but also for features like insurance, credit score, expense tracking and tax-saving planning. By 2025, ET Money is being used by more than 1 crore users and its reputation is constantly getting stronger.
Key Features:
- SIP and lump sum investments in direct mutual funds from all major fund houses
- One-click SIP setup starting from ₹500
- Tax-saving ELSS funds and 80C planning tools
- Monthly expense tracker and custom goal planner
- NPS (National Pension Scheme) and insurance products also available
Pros:
- Direct SIPs without commission
- Goal-based investing and smart fund recommendations
- Integrated expense and insurance tracking in the app
- Dedicated tools and reminders for tax-saving
Cons:
- SIP cancellation or modification sometimes has to be done manually
- No advance analytics or international investment options
Charges:
- No charge for mutual funds SIPs
- Third-party charges may apply for other services like NPS or insurance
Who is it suitable for?
ET Money is ideal for users who want to manage their personal finances along with SIP investments from one place. Especially those who want to keep track of expenses, tax planning and insurance together.
7. Upstox
Upstox, which started in 2009, is today one of the largest discount brokers in India. Its app provides the essential features of SIP in an easy and straightforward way, allowing investors to get started without any complications.
Key Features:
- SIP and lump sum investment facility on both app and website
- SIP can be started from ₹100, depending on AMC
- Access to mutual funds from all major AMCs
- Fund filter and curated list help in choosing the right scheme
- Stocks and mutual funds both can be managed from a single login
Pros:
- For those who are already using Upstox, starting a mutual fund is seamless
- No brokerage or extra charge for SIP
- The app interface is clean and user-friendly
- It becomes easy to handle multiple investments from a single platform
Cons:
- Features like goal-based investing are not available yet
- Manual process has to be followed to modify or cancel SIP
Charges:
- There is no charge for investing in mutual funds
- The annual maintenance fee of Upstox demat account is ₹300 (₹75 quarterly)
Who is it right for?
If you already trade on Upstox and want to start investing in mutual funds as well, then Upstox is a practical and reliable option. Especially good for those who want to do SIP in various mutual funds.
8. Fisdom
Fisdom is an investment and wealth management platform started in 2015 in Bengaluru. It offers mutual fund SIPs as well as investment in stocks IPOs and portfolio management services. By 2025, Fisdom has gained a strong foothold among investors, especially in small towns.
Key Features:
- SIP and lump sum investment facility in mutual funds of all major AMCs
- Goal-based SIP plans and ready-made fund baskets
- Value-added services like NPS, health insurance and tax filing
- Auto-debit mandate and real-time SIP tracking
Pros :
- Mutual funds as well as financial planning is done from one place
- Simple guidance and curated fund packs for beginner investors
- Additional features like tax tools, pension plans and insurance
Cons:
- App interface may seem a bit outdated to some users
- Advanced analytics or research tools are not very strong
Charges :
- No charge on mutual fund investments (Direct plans available)
- Some third-party services like tax filing or insurance may have nominal fees
Who is it right for?
Fisdom is perfect for those who want to manage their entire financial life from one place and not just mutual fund SIPs. This app can be very useful for beginners and salaried individuals.
9. MyCAMS
MyCAMS is a trusted name among mutual fund investors. It was started by Computer Age Management Services (CAMS), which is one of the largest back-end support companies in the mutual fund industry. MyCAMS App provides mutual fund investors a centralized, secure and paperless way to track not just SIPs but the entire portfolio.
Key Features:
- Direct SIP plans from CAMS-registered AMCs (like HDFC MF, ICICI Prudential, SBI MF etc.)
- Facilities to view and manage investments of multiple fund houses in a single app
- Facilities like instant redemption, SIP pause/resume, nominee update
- Family account mapping and consolidated portfolio view
Pros:
- A completely secure and official mutual fund app as data is not shared with third parties
- Detailed portfolio and transaction history for investors
- Direct plans and zero commission investing
Cons :
- Interface seems a bit old compared to other new apps
Charges:
- No charge on SIP and lump sum investments
- All plans are direct i.e. no brokerage or commission
Who is it right for?
MyCAMS is great for investors who just want to do SIPs in mutual funds and want their money to be completely secure, official and trackable. It is a solid choice especially for long-term and serious investors.
10. KFinKart
If you are looking for an app that lets you manage mutual funds hassle-free, KFinKart might be the right choice for you. It is developed by KFin Technologies, which has been handling the backend operations of the mutual fund industry for years. The best part of this app is that it gives you a simple and straightforward way to invest in mutual fund schemes offered by KFin-serviced AMCs such as Axis Mutual Fund, Nippon India, Kotak MF, etc.
Key Features :
- SIPs starting from ₹500 and lump sum option
- Track and manage all KFin supported mutual funds in one place
- Easy to pause/resume SIP, update nominee or redeem units
- Add family investments in one place
Pros :
- Simple and clutter-free interface ideal for beginners
- Invest in direct plan without any commission
- Long-term portfolio tracking and detailed investment reports
- Trusted backend system keeps data safe and verified
Cons:
- UI and app design can feel a bit dated, especially when compared to other apps
Charges:
- Mutual fund investments (SIP and lump sum Both) can be done without any fees
Best for whom?
KFinKart is best suited for investors who want to control their mutual fund investments through a trusted registrar. If you are doing SIPs in multiple AMCs and want to see everything in one place, on a clean interface then this app can be a practical and efficient choice for you.
Read Also: SIP vs Lump Sum: Which is Better?
Conclusion
SIP is an investment method that can make a big difference in the long run provided you choose the right app. There are many options in the market today, but not every app is right for everyone. So choose an app based on your needs, investment style and convenience. Things like an easy to use interface, better tracking and reliable support can make your investment journey successful. You can consult a financial advisor to select the best app to do SIPs.
Frequently Asked Questions (FAQs)
Which is the best app for SIP investment in India?
Apps like Groww, Zerodha Coin, ET Money and INDmoney are considered good for SIP.
Are SIP apps safe to use?
Yes, if the app is offered by a SEBI registered and trusted platform; then it is safe to use.
Can I start SIP with just ₹100?
Yes, SIP can be started from as low as ₹100 on many apps like Groww, Zerodha coin, Paytm money, etc.
Do SIP apps charge any fees?
Most apps offer direct plans, with no commission or hidden charges.
Can I stop or pause SIP anytime through apps?
Yes, almost all SIP apps have the facility to pause or cancel that too without any paperwork.
