Mutual funds are one of the easiest ways to grow wealth in India without needing to be a stock market expert. But with so many platforms claiming to offer “zero commission” and “expert picks,” the real challenge is choosing the right app that suits your style.
I’ve personally tried multiple mutual fund apps — some were great, some confusing, and a few just too pushy with ads. So here’s a no-nonsense list of the best mutual fund apps in India, handpicked for both beginners and serious investors.
📲 Top Mutual Fund Apps to Use in 2025
1. Groww
- ✅ Zero-commission direct mutual funds
- ✅ Clean, beginner-friendly interface
- ✅ Fast KYC, easy SIP setup
- ✅ Also supports stocks, FDs, and gold
Best For: New investors looking for a simple and modern app to start their SIP journey.
2. ET Money
- ✅ Smart fund suggestions based on goals
- ✅ Keep an eye on your entire investment portfolio — including funds added through other platforms — all in one dashboard.
- ✅ Tax-saving recommendations (ELSS)
- ✅ Also offers insurance and NPS options
Best For: Professionals who want mutual funds + tax planning in one app.
3. Kuvera
- ✅ 100% free direct mutual fund platform
- ✅ Family portfolio support
- ✅ Powerful insights & capital gain reports
- ✅ Clean, ad-free experience
Best For: Investors with multiple goals or who manage family investments.
4. Paytm Money
- ✅ Invest in direct mutual funds without paying any brokerage fees
- ✅ Simple interface and instant KYC
- ✅ SIP and lump sum both supported
- ✅ Also supports NPS, stocks, and F&O
Best For: Paytm users who want everything in one app, from bills to investing.
5. Zerodha Coin
- ✅ Free direct mutual fund investment via Coin
- ✅ Linked to Zerodha demat
- ✅ No commission, transparent platform
- ✅ Requires Zerodha account setup
Best For: Existing Zerodha users who want to invest in direct funds easily.
🤔 How to Choose the Right Mutual Fund App?
When I was starting, I made the mistake of choosing an app just because it looked fancy. Here’s what really matters:
- Go for Direct Plans – No commission = higher returns
- Check for Clean UI – You’ll use it every month. It better be simple
- Tax Tools Matter – Especially if you’re doing ELSS
- Look at Support – Some apps offer in-app advisors, some don’t
❓ FAQs
Q1. Which is the best app for beginners in mutual funds?
Groww is a great starting point for beginners due to its simple interface and ease of use.
Q2. Are mutual fund apps safe to use?
Absolutely. Platforms such as Groww, ET Money, and Kuvera are regulated by SEBI and operate under strict compliance and safety guidelines.
Q3. What’s the benefit of using direct mutual fund apps?
You avoid distributor commissions, which means better returns over time.
Q4. Can I switch from regular to direct mutual funds through these apps?
Yes, apps like Kuvera and ET Money allow easy switching from regular to direct plans.
💡 Pro Tip from Experience
Start small, but stay consistent. Starting with just ₹500 a month in SIPs can build into a solid amount over the years, thanks to compounding. And if you ever feel lost, don’t hesitate to use the app’s customer support or explore blogs inside the app — they really help.
🧾 Final Thoughts
In 2025, there’s no shortage of mutual fund apps in India. But the best one is the one you actually understand and use consistently.
For first-time investors, apps like Groww and Kuvera offer a beginner-friendly experience that’s easy to understand and navigate. For advanced tracking and tax planning, ET Money is gold.
Don’t wait for the “perfect time” — investing early, even in small amounts, is the real game-changer.