Best apps to start SIP in India

Starting a SIP (Systematic Investment Plan) should feel empowering, not confusing. You’re likely worried about: choosing the right app, understanding mutual-fund jargon, setting it up correctly so you don’t miss payments, and tracking progress without losing hours in spreadsheets. A great app takes that friction away and lets you focus on what matters: consistent investing. Below are the best apps in India for SIPs—starting with one of the simplest: Groww.

Groww

Groww stands out as one of the best beginner-friendly apps to start a Systematic Investment Plan (SIP) in India, thanks to its clean, intuitive, and easy-to-navigate interface. 

According to Groww RHP, as of June 2025, nearly one out of every three new SIPs in India is created on Groww. It is also recognised as the largest and fastest-growing investment platform in India by active users on the NSE (as of June 30, 2025).

With Groww, investors can invest in direct mutual funds from all major Asset Management Companies (AMCs) across India, either through SIPs or lump-sum investments. without paying any commission fees. 

The platform provides a unified investment dashboard, allowing users to seamlessly track their entire portfolio, view daily (1D) returns and total returns, and calculate their XIRR for performance insights.

What makes it stand out:  

• Zero commissions on mutual fund investments
• Zero account maintenance charges
• 100% paperless onboarding and KYC.
• Access to direct-only 5,000+ mutual funds
• Precise tracking of your SIP contributions and returns. 

Zerodha Coin

If you already use a trading account or want an integrated broker plus SIP platform, Zerodha Coin (by Zerodha) is a strong pick. It offers direct mutual funds with zero commission and good tools for managing family portfolios and setting up systematic transfers. 

What makes it stand out: 

• Zero-commission direct mutual funds (SIP or lump sum)
• Seamless linkage if you already trade with Zerodha.
• Solid for users who might later move into stocks/trading but want SIPs now. 

Kuvera

If you want goal-based investing, tax optimisation, and a bit of extra insight, Kuvera is a great choice. It’s designed for investors who want alignment between SIPs and financial objectives.

What makes it stand out: 

• Tools for setting goals (child’s education, retirement) and aligning SIPs accordingly.
• Tax-harvesting and portfolio-consolidation features.
• Expense minimal direct-plan funds; helpful for cost-aware investors.

Paytm Money

For simplicity and familiarity, Paytm Money leverages the Paytm brand you may already use. It supports SIPs starting at modest amounts (e.g., ₹250) and offers access to mutual funds, stocks, and more.

What makes it stand out: 

• Low minimum SIP makes it easy to start, even with a small budget.
• One app for SIPs, mutual funds and investments—you don’t have to learn a separate tool.
• Direct plan mutual funds (cost-efficient).

5) INDmoney

If you want your SIP app to do more—like tracking your credit score, overseas assets, or alternative investments—INDmoney gives you that broader horizon. It’s more than just a SIP app; it’s a finance dashboard.

What makes it stand out: 

• The investment universe includes US stocks, mutual funds, and family portfolios.
• Great for someone who starts with SIPs now but might expand their investing later.
• Visual dashboards and deeper analytics.

ET Money

If you appreciate suggestions, reminders, and a bit of guided investing, ET Money is built for you. It helps you pick funds, set SIPs, and stay accountable. 

What makes it stand out: 

• Personalised fund suggestions based on your risk profile.
• Smart notifications and reminders to keep your SIPs active.
• Suitable for someone who wants a little advice built into the app. 

Common SIP-investor pain-points & how these apps tackle them 

• “Where do I start?” → Groww, Paytm Money and ET Money offer low-minimum SIPs and simple onboarding. 
• “Am I paying too much in fees?” → Kuvera and Zerodha Coin emphasise direct plans and zero commission.
• “How do I keep up?” → INDmoney and Kuvera provide dashboards, goal-tracking and portfolio tools. 
• “Will I get distracted by other investments?” → Apps like Groww and Kuvera keep SIPs separate but accessible, so you don’t feel overwhelmed.

Smart habits before or while you start your SIP 

• Choose a comfortable monthly amount and treat SIP as automatic savings.
• Pick funds with direct plans (lower cost = better net returns).
• Link your bank account and set UPI autopay or ECS to avoid missed payments.
• Review your SIP annually—don’t react monthly to market noise.
• Align your SIP with a goal (e.g., retirement, home purchase) to keep perspective.

Conclusion

Starting a SIP is one of the most innovative ways to build wealth with discipline, and picking the right app makes it far easier. Whether you pick Groww for its simplicity, Zerodha Coin for its brokerage ecosystem, Kuvera for goal tools, Paytm Money for familiarity, INDmoney for broad reach, or ET Money for guidance, you’ll find platforms that make the process smoother.

By using one of these apps, you let technology serve your investing habit—and you spend less time learning how to invest and more time letting your money work. Choose your app, begin your SIP, and watch your small monthly steps add up over the years.

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