Saving money is hard. But growing it? That can feel like rocket science, especially with the jargon-filled world of finance.
If you’ve been hearing your friends or colleagues talk about "SIPs" and how they’re building a corpus for a house or a dream vacation, you’re in the right place.
Systematic Investment Plans (SIPs) have become the go-to financial habit for millions of Indians.
So, for SIP which app is best? Whether you are a total beginner looking to invest ₹500 a month or a seasoned trader wanting to diversify, we’ve analyzed the top contenders to help you find the best app to do SIP investments.
Why Do You Need an App for SIP Anyway?
Gone are the days of filling out physical forms and standing in queues at fund houses. The best SIP apps today act as a one-stop shop for your financial life.
- Convenience: Start, stop, or pause your SIP with a single click.
- Tracking: See exactly how much money you’ve made (or lost) in real time.
- Paperless: No paperwork. Everything from KYC to bank linking happens digitally.
- Discipline: Apps send you reminders or auto-deduct funds, ensuring you don't skip a month.
Top 10 Best SIP Apps in India
| App Name | Best For | Android Rating | Unique Features |
| Groww | Beginners | 4.8 ★ | Zero commission, super simple interface, paperless onboarding. |
| Zerodha Coin | Direct MF Investors | 3.8 ★ | Direct mutual funds (0% commission), step-up SIPs, connects with Zerodha kite. |
| Rupeezy | Traders & Investors | 4.3 ★ | 20+ years trust, "Smart Explore" risk matrix, zero brokerage on equity delivery. |
| INDmoney | Global Investors | 4.6 ★ | Invest in US Stocks & Indian MFs together, track loans and credit cards. |
| Fisdom | Advisory Seekers | 4.5 ★ | Personalized goal planning, pension funds, and expert portfolio advisory. |
| Angel One | All-Rounders | 4.4 ★ | ARQ Prime recommendations, family folio tracking, one-touch login. |
| ET Money | Portfolio Health | 4.2 ★ | Portfolio health checkup, "Genius" membership for personalized strategies. |
| Paytm Money | Ease of Access | 3.8 ★ | Low entry barrier (₹100 SIPs), UPI autopay, stock SIP options. |
| Upstox | Low Cost | 4.5 ★ | MF screener, risk calculator, and discounted brokerage for traders. |
| myCAMS | Old School Tracking | 4.0 ★ | Consolidated view of all your mutual funds across different brokers. |
Bonus: Jar App
Think of Jar as a modern, digital piggy bank for your phone. It is not designed for heavy trading; it is designed to trick your brain into saving money without you even realizing it.
How it works (The "Loose Change" Magic): The app links to your phone and tracks your transactional SMS. Every time you spend money, say ₹125 for a coffee, Jar detects it.
It then "rounds up" that amount to the nearest 10 (which is ₹130). It takes that tiny difference of ₹5 and automatically invests it into 24K Digital Gold.
Which SIP App Is Best for You?
Let’s break these down. A high rating is great, but does the app fit your lifestyle?
Groww
If you have never invested a rupee in your life, Groww is likely your safest bet. It is incredibly popular for a reason. The interface is clean, devoid of complex charts (unless you look for them), and they focus heavily on education.
Top Features:
- Direct Mutual Funds: You don't pay a commission to an agent, which increases your returns over the long run.
- Simple Collections: Funds are categorized into simple lists like "High Return" or "Tax Saving."
- One-Click SIP: Setting up autopay is extremely fast via UPI.
It’s great for beginners, but advanced traders might find the charting tools for stocks a bit basic compared to others.
Zerodha Coin
Zerodha is a giant in the stock market world. Their mutual fund platform, Coin, is unique because it holds your mutual fund units in a "Demat" account.
Top Features:
- Step-up SIP: A brilliant feature where you can tell the app, "Increase my SIP amount by 10% every year." As your salary grows, your investments grow automatically.
- Unified View: See your stocks, bonds, and mutual funds all in one single portfolio view.
- Free Direct Funds: No commissions on mutual fund investments.
Since it uses a Demat account, you have to open a Zerodha account (which has a small opening fee), unlike other apps that might be totally free to start.
Rupeezy
Rupeezy (formerly Astha Trade) has been around for over 20 years. While newer apps get a lot of hype, Rupeezy brings stability and powerful analysis tools.
Top Features:
- MF Lab: A simulation tool where you can build a virtual portfolio to test your strategy before spending real money.
- Impact Analysis: Helps you understand how market changes might specifically hit your wallet.
- Goal-Based Investing: Tag your SIPs to specific dreams like "New Car" or "Retirement."
They offer excellent customer support, often feeling more personalized than the automated bots of larger fintech giants.
Fisdom
Fisdom positions itself more as a wealth manager than just an app. If you feel lost and want someone (or an algorithm) to tell you what to buy, Fisdom is strong here.
Top Features:
- Advisory Services: They use smart engines to recommend a portfolio based on your specific risk profile.
- Holistic Wealth: You can invest in Pension Funds (NPS) and Digital Gold along with your SIPs.
- Easy Switching: Helps you switch from regular plans to better-performing ones easily.
They often facilitate "Regular" plans (which include commissions) as part of their advisory service. This is great for guidance but check the expense ratios.
Start investing with just ₹1000 per month and explore the best SIP plans.
Bajaj Finserv App
A powerhouse in the lending space, their investment app is equally robust. It is designed to be a comprehensive ecosystem for those who value security.
Top Features:
- Ecosystem Integration: If you have a Bajaj loan or EMI card, everything is under one login.
- High Security: Bank-grade security protocols that are very reassuring.
- Calculators: Built-in SIP calculators that let you see future values while you browse funds.
It is a solid, reliable choice for conservative investors who value brand trust over experimental features.
INDmoney
This app blew up because it let Indians invest in companies like Apple and Google easily. It’s perfect for the data-obsessed investor.
Top Features:
- Net Worth Tracking: It tracks everything (credit cards, EPF, savings) to give you a total financial picture.
- Robo-Advisory: Suggests changes if your funds start underperforming.
- US Stocks: One of the best platforms to diversify your SIPs into the US market.
The app asks for permission to read your transactional SMS/emails to track your expenses. This is safe, but some users prefer more privacy.
Angel One
Angel One has successfully transitioned from a traditional broker to a digital-first powerhouse. It’s great for families.
Top Features:
- ARQ Prime: A rule-based engine that recommends funds without human bias.
- Family Folio: Track portfolios of family members in one place.
- Fast Onboarding: Streamlined digital KYC makes starting your first SIP very quick.
Excellent for those who want to combine stock trading and SIPs in a single, robust app.
ET Money
Backed by the Times Internet group, this app focuses intensely on the health of your portfolio.
Top Features:
- Portfolio Report Card: Upload your statement and get a "grade" on your investments (risk, return, fees).
- ET Money Genius: A membership service that dynamically shifts your money between equity and debt based on market conditions.
- Visual Interface: Uses color-coded cards to explain complex metrics.
Looking for genuine earning apps? Read the honest 2026 guide.
The "Genius" feature is a paid subscription, but the basic SIP features and Direct mutual funds are free.
Paytm Money
Paytm Money democratized investing by focusing on accessibility. It is perfect for small-ticket investors.
Top Features:
- Low Entry Barrier: Start SIPs with as little as ₹100.
- Investment Packs: Curated portfolios based on risk (Conservative, Aggressive) so you don't have to pick individual funds.
- Stock SIPs: Allows you to buy stocks systematically, just like mutual funds.
It is deeply integrated into the Paytm ecosystem, making payments very smooth, but customer support can sometimes be slow due to high volume.
Upstox
Upstox is a fast, lightweight app that caters to the tech-savvy generation.
Top Features:
- Smartlists: Funds are categorized into logical buckets to help you filter quickly.
- Speed: Known for a crash-free, high-performance experience.
- Security: Uses the latest e-mandate protocols for smooth monthly deductions.
They have recently revamped their interface to be more investor-friendly, moving away from being just for "traders."
Before you download anything, you need a target. Are you saving for a bike, a house, or retirement? Use our SIP Calculator to find out exactly how much you need to invest monthly to hit that goal. It takes 10 seconds and clarifies your entire plan.
How to Choose the Best SIP App for Yourself
With so many options, "best" is subjective. Here is a checklist to help you decide:
Direct vs. Regular Plans (Crucial!)
Always check if the app offers direct mutual funds.
- Regular plans include a commission for the distributor (the app). This eats into your returns, sometimes up to 1% a year!
- Direct plans have zero commission.
- Verdict: Apps like Groww, Zerodha Coin, and INDmoney focus on Direct plans. Fisdom and others may offer Regular plans where they provide advisory services. If you want free advice, a Regular plan might be okay, but for pure returns, go Direct.
The "Hidden" Charges
Most apps allow you to invest in mutual funds for free (they make money when you buy stocks or take loans). However, check for:
- Demat Account Maintenance Charges (AMC): Some apps charge ₹300/year to keep your account open.
- Transaction Fees: Rarely applied to SIPs now, but always good to check.
Customer Support
When money is deducted from your bank but doesn't show up in the app (it happens!), you need support fast.
- Check reviews specifically for "customer support." Rupeezy and Zerodha generally have robust support systems because they are established brokers.
User Experience (UI)
If an app takes 10 clicks to set up a SIP, you won't do it. You want an app that lets you automate payments via UPI Autopay easily.
Discover money-saving apps in India that actually help grow wealth.
Step-by-Step: How to Start Your First SIP Today
If you have your PAN card and Aadhaar card handy, you can start in 10 minutes.
Download the App
Pick one from the list above (e.g., Bajaj Finserv, Rupeezy, or Groww).
Complete KYC
- Enter your PAN number.
- Upload a selfie.
- E-sign using your Aadhaar (you’ll get an OTP on your mobile).
Note: This is a one-time government requirement.
Link Your Bank
Enter your IFSC and account number. This is where the money will come from.
Choose a Fund
Don't know what to pick? Look for "Index Funds" (Nifty 50) or "Flexi Cap Funds" if you are a beginner. They are generally safer bets for long-term growth.
Set the "Auto-Pay."
This is the magic step. Select a date (e.g., the 5th of every month, right after payday).
That’s it. You are now an investor!
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SIP vs. Lump Sum: What’s the Difference?
You might see these two buttons on every app.
SIP (Systematic Investment Plan)
You invest a small amount (e.g., ₹2,000) every month. This is best for salaried people. It helps you average out the market highs and lows (rupee cost averaging).
Lump sum
You invest a big chunk (e.g., ₹50,000) all at once. This is good if you get a bonus or sell a car.
Pro Tip: If you are using the best app for SIP investment, it will likely allow you to do both in the same fund.
The most important thing isn't the app it's the habit. Download one today, skip one pizza this month, and start your SIP. Your future self will thank you.
Frequently Asked Questions (FAQs)
Are these apps safe for my money?
Yes. These apps are only the "front end." The mutual fund houses (like HDFC Mutual Fund, SBI Mutual Fund, etc.) get your money, and a custodian keeps it safe.
Your investments are protected and may be retrieved straight from the fund house, even if the app closes down tomorrow.
Is it possible for me to stop my SIP at any time?
Yes, of course. You can suspend or halt a SIP at any time using the app without any penalties, unlike insurance products that keep you locked in.
(Note: Some ELSS funds that save you money on taxes have a 3-year lock-in.)
What is the amount of tax I owe?
When you invest, you don't have to pay taxes. You only have to pay taxes when you take your money out (redeem it) and only if you made a profit.
- Short Term (less than a year): 20% on profits.
- Long Term (more than 1 year): 12.5% on profits over ₹1.25 Lakh.
What is the greatest sip app for students?
Look for apps that don't require a lot of money to start. Groww and Paytm Money sometimes let you start SIPs with as little as ₹100, which is great for students.
