Top 5 Investment Apps Every Indian in Their 20s and 30s Should Know About

If you are in your twenties or thirties and your idea of investing is still fixed deposits and your dad’s LIC policy it is time to level up It is 2025 and money does not grow in banks anymore It grows in apps yes those little icons on your phone that used to be reserved for food delivery and memes are now your secret weapon to build wealth

Gone are the days when investing meant wearing a suit reading economic times and pretending to understand what P-E ratios are Today all you need is a smartphone internet and a little curiosity to get started The Indian fintech scene has exploded in the past few years and investment apps are now sleeker faster and more beginner friendly than ever

Whether you are a college grad who just landed your first job or a working professional who is tired of living paycheck to paycheck this guide will introduce you to the top 5 investment apps every Indian in their 20s and 30s should know about So charge your phone and let’s talk money

If investment apps were Bollywood actors Groww would be that charming all rounder who does comedy action romance and even some finance Groww has become one of the most popular investment apps in India especially among millennials and Gen Z

What makes Groww click is its clean interface and no nonsense approach You open the app and boom you are greeted with mutual funds stocks ETFs digital gold and even fixed deposits It is like a buffet but for money

Whether you want to start a ₹500 SIP or buy a share of your favorite tech company Groww makes it ridiculously simple You do not need to be a finance geek to use it The app guides you like a friendly older cousin who just happens to be good with money

Also bonus points for their educational blogs and YouTube videos which are actually fun to watch Groww is great for anyone who is new to investing wants to do everything in one place and prefers a modern user experience

Zerodha is like that one friend who wears spectacles asks deep questions in group chats and somehow always knows where to invest If you are ready to graduate from mutual funds to the stock market and want to feel like a real trader without losing your mind this is the app for you

Zerodha’s Kite platform is fast lightweight and highly customizable The charts look like something out of a sci-fi movie and the data is accurate and lightning quick But the real beauty of Zerodha lies in its learning ecosystem

Varsity by Zerodha is hands down one of the best free investment education platforms out there Whether you are a beginner or an advanced trader you will find simple no fluff lessons that explain everything from candlestick patterns to tax harvesting

Zerodha also pioneered the zero commission model and they are the reason so many people in India now trade without paying brokerage on delivery trades If you are in your 20s or 30s and want to get serious about wealth building through direct stocks Zerodha deserves a spot on your home screen

Kuvera is like that friend who never shows off but somehow always has their life together The app has a very minimalistic look and feel but don’t let that fool you under the hood it is packed with powerful features designed for long term wealth creation

Kuvera is focused on goal based investing and it does this very well You can set up goals like retirement travel education or even buying your dream iPhone and Kuvera will help you create a portfolio accordingly It is basically a money mentor in your pocket

The app offers direct mutual funds which means zero commission and higher returns over time It also lets you track your investments across multiple platforms and provides neat reports that make you feel like a finance pro

Another cool feature is their tax optimization tool which helps you save on capital gains by smartly selecting which mutual fund units to sell If you are someone who likes automation goal tracking and minimalist design Kuvera will be your new favorite app

INDmoney is the app you turn to when you want to level up your investing game and maybe throw in a few international stocks just for style It is like that one friend who vacations in Bali knows what the S&P 500 is and owns Apple shares before anyone else

This app is designed for young Indians who want to invest not just in Indian markets but also globally You can invest in US stocks like Tesla Amazon or Google directly from your phone with zero commission Yes you heard that right

INDmoney also helps you track your net worth across bank accounts credit cards loans and investments all in one dashboard It is like Google Analytics but for your finances The app also has a built in advisory system which recommends how to rebalance your portfolio based on your risk appetite

For working professionals who want to diversify their portfolio across geographies and asset classes INDmoney offers the perfect mix of global access automation and personal finance tools

ET Money is backed by the Economic Times and it shows This app is all about getting your financial life in order whether it is investments insurance or tracking your expenses It is like having a personal finance manager who does not judge your Starbucks habit

The standout feature here is the personalized mutual fund recommendations based on your income goals and risk profile The app also offers direct mutual funds fixed deposits and even NPS for long term retirement planning

One underrated feature is their spend tracker which auto categorizes your expenses and helps you identify where your money is leaking Combine this with smart nudges on savings goals and ET Money becomes more than an investment app it becomes your accountability partner

If you are in your late twenties or early thirties trying to juggle rent EMIs SIPs and still save for a Goa trip this app will help you stay sane and on track

Now that you know the top 5 players in the game how do you decide which one is for you Here is a quick cheat sheet

If you are a total beginner and want a smooth user experience start with Groww

If you want to trade stocks like a pro and learn everything about markets go for Zerodha

If you are a goal setter and love minimalism and automation pick Kuvera

If you want to invest globally and track everything in one place try INDmoney

If you need an all in one personal finance tool with insurance and budgeting use ET Money

There is no rule that says you can only use one In fact many young Indians today use a combination of two or three apps based on their needs and goals

Apart from being free or low cost these apps are successful because they speak the language of the youth They are mobile first visually clean and filled with tutorials and tools that simplify finance They gamify investing and remove the fear that older generations often associate with money matters

These apps also leverage push notifications reminders and data analytics to keep you on track without being intrusive They show that finance can be fun modern and even a little addictive in a good way

India is witnessing a revolution in how people invest With UPI Aadhaar linked KYC and digital banking setting the stage the entry barriers to investing are practically gone A college student in Jaipur a software engineer in Pune and a freelancer in Kochi can all start investing with just a smartphone

By 2025 more than 20 crore demat accounts are expected to exist and most of them will belong to people under the age of 40 This is not just a trend it is a generational shift


Investing is no longer something you do when you are older richer or more settled It is something you start today even if it is just ₹100 a month The earlier you begin the more powerful the compounding effect becomes and these apps make the journey easy smart and even fun

So open the app store pick the one that fits your style and start your investing journey now Your future self is already cheering for you