Best Apps for SIP Investment in India 2025

Starting your investment journey with a SIP investment app is one of the smartest ways to build wealth steadily over time. With just a few taps on your phone, you can begin your financial journey without any complicated processes. But with so many options out there, how do you choose the best app for SIP?

In fact, with so many top-rated SIP apps in India for 2025, this can be really confusing. These apps offer user-friendly interfaces, low-cost options, and insightful tools that simplify your SIP investment experience. Hence, having the right platform is very important for you to make the right investment decision. 

So, let’s explore the list of the top daily SIP apps here, where you can start investing. But before that, let us understand what SIP is here. 

Understanding SIP (Systematic Investment Plan)

A SIP stands for Systematic Investment Plan. This is a great way to build good savings. In this, you would need to invest a fixed amount of money every month in mutual funds. This money earns interest, and this way you can generate wealth. 

As compared to the lump sum option, this is a better choice. SIP allows you to contribute smaller amounts consistently, making it an ideal choice for both beginners and seasoned investors. 

Using an app for SIP makes this process seamless, allowing easy setup, tracking, and management of your investments anytime, anywhere.

But before that, let us explore the features of the SIP

Features of SIP

There is no doubt that SIPs are a great option for investment. But there are certain features that make it a better choice as compared to the rest. So, here are the key features of the SIP that you must know:

1. Build a Habit of Regular Investment

This is a great investment option. It allows you to invest a fixed amount monthly, quarterly, or yearly. This helps you build a habit of regular investment. This way, you can not just meet your financial goals but also ensure that you save regularly.

2. Low Investment Need

The best part of SIP is that you can start with a minimum amount. Most of the SIPs need only a Rs.500 per month investment. This makes it a good choice for everyone who is looking to start their investment journey. Even beginners can start with no financial burden. 

3. Rupee Cost Averaging

By investing a fixed amount regularly, SIP averages out the cost of purchasing mutual fund units. This helps mitigate the risks of market volatility. You will get more units allotted when the prices are falling, and when prices are rising, you will get fewer units. 

4. Power of Compounding

With SIP, your returns are reinvested, leading to compounding over time. The longer you stay invested, the greater the potential for your wealth to grow exponentially, thanks to the compounding effect.

5. Flexibility and Control

Most SIP investment apps allow you to modify, pause, or stop your SIP anytime. This flexibility ensures that you can adjust your investments based on your financial situation or goals.

6. Goal-Based Investing

Many SIP platforms offer goal-setting features. Whether you are planning for retirement, a child’s education, or buying a home, you can align your SIPs with specific financial goals, making your investment journey more structured and purposeful.

If you are looking for the best app for SIP mutual fund, selecting a platform that offers flexibility, user-friendly features, and cost-effective options can enhance your investment experience. A good SIP app not only simplifies investing but also empowers you to make informed decisions at every step.

But the question is which app is best for mutual fund SIP? Well, let us now explore the top apps available in the market here.

10 Best SIP Investment Apps in India

You now must be wondering which app is best for SIP. Well, with so many choices available in the market, this can be really confusing. So, we have listed down 10 of the best apps for SIP here for you. These are not just simple to use but also offer you advanced features and support as well.

So, let us explore these top 10 SIP apps here now:

Overview of Top 10 SIP Investment Apps

1. Rupeezy

Rupeezy is a trusted Indian investment app. It has been in the market for over 20 years. The platform allows you to open a demat account without any charges. There is zero brokerage on the equity trades. You can invest in mutual funds, ETFs, stocks, and others as well.

The platform offers you a paperless facility with multiple payment options, which is really seamless. The advanced TradingView charts are available for detailed market analysis. It helps investors make informed decisions with tools like risk-return visualization and portfolio tracking.

Suitable for both beginners and experienced users, Rupeezy combines cost-effectiveness with a comprehensive investment platform. This is one of the best SIP investment apps with features as below:

• Get real-time alerts and market news for the best results.

• Access your portfolio with a quick view to get all details at a glance.

• Develop a virtual portfolio to check and test your potential outcomes.

• Conduct detailed risk and return analysis for best decision-making. 

• Access tools for analyzing the portfolio.

2. Groww

It is one of India’s best SIP investment apps. It is known for its simple, paperless onboarding and zero commission on direct mutual funds. The interface is quite simple and friendly. You can invest in a range of funds, including hybrid, debt and equity, using this application.

Using this app, you can also make comparisons of the funds to find which is the one best suited to your needs. The app also offers educational resources and market insights. Groww supports flexible SIP amounts and dates so that you can align investments with your budget and goals.

The primary features of this app that make it stand out are as follows:

• Start SIPs with as little as Rs.100 in thousands of mutual funds.

• Zero commission and no hidden charges on direct mutual funds.

• Track all your SIPs and mutual fund holdings in one place.

• Use SIP calculators to estimate returns and plan investments.

• Get reminders and alerts for upcoming SIPs and portfolio updates.

3. Zerodha Coin

If you are looking for an SIP app with a high-value customer base, then this is the one. This is the largest zero-commission direct mutual fund platform. It allows investors to buy and sell thousands of direct mutual funds with no commission, helping save up to 1% in fees.

The platform supports SIPs with flexible frequencies like weekly, monthly, quarterly, or even 15-day intervals. You can start automatic step-up SIPs, where the SIP amount increases by a certain percentage annually.

The platform integrates with Zerodha’s ecosystem, making it ideal for both beginners and experienced SIP investors. The other features of the app that you must know are:

• Create, modify, and automate SIPs with flexible frequencies.

• Automatic step-up SIP option for increasing investments.

• AMC SIPs directly with asset management companies.

• Multiple payment options, including UPI and net banking.

• Consolidated portfolio and scheme-wise XIRR tracking.

4. myCAMS

It offers a secure and paperless way to manage SIPs across 21+ mutual fund houses serviced by CAMS. The platform enables investors to set up, modify, and track SIPs digitally, with a quick e-mandate process that allows SIP registration in just 2 - 3 days. 

myCAMS provides a consolidated portfolio view at the PAN level. The app supports easy transactions, including new SIPs, redemptions, and switches. It offers multiple payment options. Investors can complete eKYC online and access a comprehensive dashboard with real-time portfolio tracking and downloadable statements. 

It is perfect for investors seeking convenience and transparency for their SIP investments. The features of the app are:

• Start, modify, and track SIPs across multiple mutual funds in one app.

• Quick, paperless SIP registration with e-mandate.

• Consolidated account statement and real-time portfolio tracking.

• In-app SIP calculator to estimate future returns.

• Secure login with biometric/MPIN and two-factor authentication.

5. Angel One

This app is perfect for all types of investors. This platform helps with direct mutual funds and supports easy SIP setup with flexible frequencies and amounts. The app offers paperless onboarding, instant eKYC, and multiple payment options, including UPI and net banking. 

Angel One’s platform features detailed portfolio tracking, SIP calculators, and personalized recommendations based on your financial goals. Investors can monitor SIP performance, pause or modify SIPs anytime, and access educational content to make informed decisions.

With a user-friendly interface and robust security, this comprehensive investment app comes with the following features:

• Zero commission on direct mutual funds.

• Flexible SIP setup with pause and modify options.

• Paperless onboarding with instant eKYC.

• Portfolio tracking. Analytical tools, and SIP calculators.

• Personalized recommendations and alerts based on your history. 

6. INDmoney

INDmoney enables easy SIP investment in over 1600+ direct mutual funds starting at Rs.100. It offers paperless onboarding with zero AMC and a free demat account.

The platform supports automatic SIP setup with flexible frequencies and allows users to pause, stop, or modify SIPs anytime. It also offers SIP investments in US stocks and ETFs, making it a versatile platform for diversified investing.

With features like UPI Autopay and consolidated portfolio tracking, INDmoney simplifies disciplined investing and wealth growth through compounding. The other features that you must know are:

• Track, analyze, and make changes to your SIP plan as needed.

• Personalized insights and real-time alerts.

• Keep track of all funds at a glance for easy access.

• Easy to start with the minimal amount, perfect for all investors.

• Pause, stop, or modify SIPs anytime without any hassle.

7. Fisdom

Fisdom is a smart investment app focused on simplifying SIP investments with personalized goal-based planning. It stands out by offering AI-driven fund recommendations tailored to your financial goals and risk appetite. Fisdom’s unique “Goal Planner” helps you set and track multiple investment goals with SIPs aligned to each.

The app also provides detailed tax-saving advice and automated tax reports for hassle-free filing. Unlike many others, Fisdom offers expert-curated mutual fund portfolios and thematic investment options such as ESG funds. It supports instant SIP modifications and offers educational content to empower investors.

Its features are as follows:

• AI-powered personalized fund recommendations.

• Goal-based SIP planning and tracking.

• Expert-curated thematic and ESG fund portfolios.

• Automated tax reports for easy filing.

• Educational content and investment insights.

8. ET Money

ET Money is a popular personal finance app that enables easy, commission-free investments in direct mutual funds and SIPs. It offers paperless onboarding, supports multiple payment methods, and provides real-time portfolio tracking.

The app helps investors plan their finances with goal-based investment strategies and offers tools to maximize tax savings through ELSS funds. It also includes financial calculators and sends timely reminders to keep SIPs on track, making it suitable for all investors.

The features that make this SIP app stand out are:

• AI-driven “Smart Solutions” for personalized portfolios.

• Tax-saving investments via ELSS mutual funds.

• Instant SIP modifications and reminders.

• Comprehensive financial calculators for planning.

• Multiple payment options, including UPI and net banking.

9. Paytm Money

This is a platform where you can get multiple options for investments. The options start from mutual funds to stocks and derivatives. The platform is quite simple to use, and starting a SIP here needs just a few clicks. There is a UPI autopay option as well, which makes it best for all investors.

Paytm Money also supports Stock SIPs, allowing investors to build wealth through regular investments in stocks. With margin trading and margin pledge facilities, it caters to users seeking both long-term investing and active trading opportunities.

The features of this app are as follows:

• Stock SIPs for regular investment in stocks.

• Customizable dashboard with pinned watchlists.

• Margin pledge facility to enhance trading power.

• One-click order execution in Trader Mode.

• Real-time market data and alerts.

10. Upstox

This is one of the finest platforms that offers you a discounted brokerage. It focuses on low-cost trading and investing. It offers paperless account opening and zero brokerage. The app supports SIP investments in mutual funds with automated payment options. 

It is designed for traders and investors who want fast order execution and access to margin trading facilities. The platform balances simplicity for beginners with powerful features for active users. Based on this, this app comes with the following features:

• Paperless account opening process.

• Get your equity trades with no brokerage. 

• Automated SIP payments for mutual funds.

• Advanced analysis and real-time insights for right decision-making. 

• Charting tools that help you track and analyze. 

How to Select the Best App to Start SIP

Which is the best app for SIP for you? If you are also looking for an answer to this, then you would first need to compare the options available. There are various factors on which this is based. The top ones are as follows:

• Direct Mutual Fund Access with Zero Commission: Opt for apps that offer direct mutual fund plans without commission or hidden charges to maximize returns.

• Ease of Use and Onboarding: Select apps that allow for easy eKYC and a paperless process that can save time and ensure accuracy. 

• Range of Mutual Fund Options: The app should provide a wide variety of mutual funds, equity, debt, hybrid, and ELSS to suit different risk profiles.

• SIP Management Features: Look for features that allow you to modify, stop, or even change the SIP terms as needed. See if there is a step-up feature available for SIPs.

• Portfolio Tracking and Analytics: Real-time portfolio monitoring, consolidated views, and tools like SIP calculators and risk-return analysis help in better decision-making.

• Payment Options and Automation: Always look for a platform where you can get multiple payment options, including UPI, autopay, cash, NEFT, and others. This will ease your process. 

• Additional Benefits: Features like goal-based investing, tax-saving tools, expert recommendations, and family account management add value.

• Customer Support and Security: Ensure that you get customer support and guidance as needed to ensure the issues can be resolved at the earliest.

Why Rupeezy Stands Out for SIP Investments

With so many apps, you must be thinking which is best? There is no doubt that Rupeezy stands as the best app to start SIP. The primary reasons why this is the best app for SIP investors are as follows:

• Data-Driven Insights: Tools like “Smart Explore” visualize risk-return trade-offs, helping you choose SIPs based on comprehensive analysis rather than just past returns.

• Virtual Portfolio Testing: There is a feature called. “MF Lab.” It allows you to create and test virtual portfolios. This helps you to understand potential outcomes before investing.

• Impact Analysis: Diversification in mutual funds is not easy. But with the impact analysis, you can identify the impact of adding a new fund to your portfolio. This way, you can decide which is a better addition for you. 

• Consolidated Portfolio Tracking: If you have multiple SIP investments, you can track each of these at once. This consolidated view is just perfect for your analysis.

• Paperless Onboarding: You can start investing in SIP after the simple onboarding. It is paperless, and everything is completed through the eKYC process. 

• Multiple Payment Options: To debit your SIP, there are various options. These include UPI, NEFT, mandates, and others. You can select the one that is perfect for you.

With over 20 years of market presence, Rupeezy offers a cost-effective, insightful, and comprehensive platform for disciplined SIP investing.

Conclusion

Choosing the best app for SIP investment is a challenging task. And with so many options, this is confusing too. But when you compare the features, you can find the best one. And when you select the right app, you improve your investing experience and ensure that you reach your financial goals easily. 

Rupeezy offers you all these features. It is quite simple to use, and its features are seamless. You can create a virtual portfolio for easy analysis. This helps you make your investment decisions quickly. So, reach your financial goals easily with the perfect SIP investment app for you. 

FAQs

Q. Which app is best for SIP investment?

There are so many SIP investment apps available. Finding the best is based on your needs. If you need analytics, go for Rupeezy. If you want basic features, then myCAMS is a great choice. So, start by understanding your need first.

Q. Is SIP 100% safe?

SIP is a method of investing in mutual funds, and like all market-linked investments, it carries certain risks. While SIP helps manage volatility through rupee cost averaging and encourages disciplined investing, returns are subject to market performance and are not guaranteed.

Q. Is the Rupeezy app good for SIP?

Yes, Rupeezy is good for SIPs, offering advanced tools, a wide fund selection, and features like portfolio analysis, ideal for both beginners and experienced investors.

Q. How to start SIP in the Rupeezy app?

Open the Rupeezy app, complete KYC if not done, go to the Mutual Funds section, use Smart Explore to find a suitable scheme, tap “Invest via SIP,” set your amount and date, link your bank account, and confirm to start your SIP.

Q. Is SIP better than lump sum investment?

SIP is often considered better for managing market risks, especially for long-term investors. It spreads out investments over time, averaging the cost and reducing the impact of market fluctuations. Lump sum investments might offer better returns during bullish markets but carry higher timing risks.