Investing in mutual funds is now easier than ever—thanks to intuitive mobile apps that offer convenience, automation, and real-time tracking. Whether you’re a beginner or a seasoned investor, using the right app can make a big difference in your investing journey.
In this article, we’ll explore the best mutual fund apps in India for 2025, compare features, charges, pros and cons, and help you pick the right one based on your needs.
🚀 Why Use Mutual Fund Apps?
| Benefits | Description |
|---|---|
| Easy to start | Sign up and invest within minutes with paperless KYC |
| Track performance in real-time | View NAVs, returns, and portfolio health on the go |
| Direct and Regular options | Choose cost-effective direct plans or guided regular plans |
| SIP & Lumpsum flexibility | Invest monthly or whenever you want |
| Research tools | Access expert ratings, fund comparisons, risk scores |
🏆 Top 10 Mutual Fund Apps in India – 2025 Edition
1. Groww
- Type: Direct mutual fund investment
- Platform: Android, iOS, Web
- Charges: ₹0 (No commission on direct plans)
- Features:
- Simple user interface
- Track stocks and mutual funds together
- Paperless KYC & easy SIP setup
✅ Best For: Beginners and millennials
2. ET Money
- Type: Direct plans
- Charges: ₹0
- Features:
- AI-driven fund recommendations
- Integrated expense tracking
- Tax-saving ELSS suggestions
✅ Best For: Tax-saving and holistic financial planning
3. Kuvera
- Type: 100% Direct mutual fund platform
- Charges: ₹0
- Features:
- Goal-based investing
- Family portfolio management
- Smart rebalancing and tax harvesting
✅ Best For: Serious investors seeking long-term wealth planning
4. Paytm Money
- Type: Direct plans
- Charges: ₹0
- Features:
- Seamless integration with Paytm wallet
- Real-time NAVs
- Stocks, NPS, F&O in one place
✅ Best For: Unified investment platform
5. Zerodha Coin
- Type: Direct mutual fund investment via Zerodha account
- Charges: ₹0 (formerly ₹50/month)
- Features:
- SIP through demat
- Integrated with Kite platform (for stock traders)
- Wide range of AMC offerings
✅ Best For: Investors who already use Zerodha
6. myCAMS
- Type: For mutual funds serviced by CAMS
- Charges: ₹0
- Features:
- One app to manage all CAMS-backed AMCs (like HDFC, ICICI, SBI)
- Switch, redeem, SIP, all-in-one
- eCAS and consolidated statements
✅ Best For: Existing investors with CAMS-linked AMCs
7. Fisdom
- Type: Direct and Regular plans
- Charges: Depends on plan type
- Features:
- Personalized portfolio recommendations
- ELSS and goal-based investing
- Also offers insurance & NPS
✅ Best For: Full-service financial planning
8. Scripbox
- Type: Regular and direct options available
- Charges: Slight advisory fee for premium plans
- Features:
- Curated fund baskets
- Guided investing journey
- Good for long-term goals like retirement
✅ Best For: Long-term investors needing expert guidance
9. Navi App
- Type: Direct plans
- Charges: ₹0
- Features:
- Invest in Navi’s low-cost index funds
- Simple interface
- Also offers loans, insurance
✅ Best For: Low-cost passive investors
10. PhonePe (Wealth Section)
- Type: Direct plans (Limited fund houses)
- Charges: ₹0
- Features:
- Easy for PhonePe users
- Quick SIP/Lumpsum investments
- Basic fund tracking
✅ Best For: Beginners looking for simple experience
📊 Comparison Table of Top Mutual Fund Apps (2025)
| App | Direct Plans | Charges | Unique Feature | Best For |
|---|---|---|---|---|
| Groww | ✅ Yes | ₹0 | Stocks + MF in one place | Beginners, Young investors |
| Kuvera | ✅ Yes | ₹0 | Goal-based investing | Family portfolios |
| ET Money | ✅ Yes | ₹0 | AI recommendations | Tax-saving + budgeting |
| Zerodha Coin | ✅ Yes | ₹0 | Stock + MF demat integration | Zerodha users |
| Paytm Money | ✅ Yes | ₹0 | All-in-one investing platform | Paytm ecosystem users |
| myCAMS | ✅ Yes | ₹0 | CAMS-backed AMCs | Existing MF investors |
| Scripbox | Optional | Low | Curated fund portfolios | Long-term planning |
| Fisdom | Both | Depends | Personalized advice | Financial planning |
| Navi App | ✅ Yes | ₹0 | Index funds by Navi AMC | Passive investors |
| PhonePe | ✅ Yes | ₹0 | Simple interface | Light/occasional investors |
💰 How to Choose the Best App for Your Needs?
| Need | Recommended App(s) |
|---|---|
| First-time investors | Groww, ET Money |
| Goal-based investing | Kuvera, Scripbox |
| Tax-saving (ELSS) | ET Money, Fisdom |
| Integrated with stock trading | Zerodha Coin, Paytm Money |
| Managing family portfolios | Kuvera, myCAMS |
| Passive investing (index funds) | Navi App, Zerodha Coin |
| Financial advice | Fisdom, Scripbox |
🧠 FAQs About Mutual Fund Apps
❓ Are mutual fund apps safe to use?
Yes. Most are registered with SEBI, use bank-grade encryption, and offer two-factor authentication.
❓ What’s the difference between direct and regular mutual funds?
- Direct plans: Lower expense ratio, no commission, higher returns.
- Regular plans: Sold via agents/brokers with built-in commissions.
Always prefer direct plans unless you want guided advice.
❓ Can I switch apps or redeem anytime?
Yes. You can redeem or switch funds using another app or directly with the AMC, provided your KYC is complete.
✅ Final Thoughts
Choosing the best mutual fund app in India depends on your experience level, goals, and investment style. Whether you want simplicity (Groww), deep planning (Kuvera), or full integration (Zerodha Coin), there’s a perfect app for everyone.
Take control of your investments—start small, stay consistent, and let technology work in your favor.