Best Mutual Fund App for Beginners in India – Groww vs ET Money vs INDmoney (Desi Guide)

Aree Bhai! Mutual Fund Mein Invest Karna Hai, Par App Kaun Si Use Karein?

Soch rahe ho mutual fund mein invest karna, lekin yeh samajh nahi aa raha ki Groww use karein, ET Money ya phir INDmoney?

Bhai, tension mat lo.

You’re not alone. Har beginner ka yahi confusion hota hai — “Kis app se shuruaat karu?”

Aur sach kahu toh, market mein itne options hain ki koi bhi confuse ho jaye.

Is blog mein, hum seedhe-seeda desi style mein baat karenge — bina technical bhasha ke. Aapka kaam sirf itna hai: aaram se chai uthao, aur poora blog padho. End tak ekdum clarity mil jayegi, pakka!

Sabse Pehle: Beginner Ho? Toh Kya Dekhna Chahiye Ek App Mein?

Jab aap beginner ho, toh mutual fund app ka interface simple hona chahiye. Jaise ki:

Easy registration (Aadhar-PAN se ho jaye)

Mutual fund categories samajhne layak

KYC aur investment ka process 2-3 click mein ho jaye

Returns clearly dikhaye

SIP ka option ho

Aur haan, kabhi-kabhi nudge de ki “bhai, invest karle”

Ab chaliye, dekhte hain teen top apps — Groww, ET Money, aur INDmoney — kiski kitni aukaat hai!

1. Groww App – Simple, Saaf, Seedha

Best for: Youngsters & complete newbies

Groww ka interface itna saaf aur simple hai ki aapke mummy-papa bhi easily use kar sakte hain (seriously).

✅ Pros:

Ekdum clean look — beginner ke liye perfect

SIP aur Lumpsum dono easily setup ho jata hai

Direct mutual funds (no commission)

App reviews bhi kaafi ache hain Play Store pe

❌ Cons:

Analysis thoda basic haiStocks aur gold bhi milta hai, par MF ke liye thoda aur deep hona chahiye

Desi Verdict:Agar aap ekdum naye ho aur “Bhai, bas easy chahiye” type ho — toh Groww is for you. No-nonsense, seedha-saadha app.

2. ET Money – Thoda Smart, Thoda Professional

Best for: Thoda detail chahiye, planning bhi karni hai

ET Money sirf invest karne ke liye nahi, financial planning ke liye bhi badiya hai.

✅ Pros:Tax-saving funds ka comparison

Smart suggestions based on goals

Free financial tools (retirement, SIP calculator)

Paperless insurance aur loans bhi milte hain

❌ Cons:

Kabhi kabhi lag karta hai app

Too much info — beginner confuse ho sakta hai

Desi Verdict:Agar aap thoda serious ho, goals set karna chahte ho aur tax bachana bhi zaruri hai — toh ET Money fits well. Naye investors jo thoda aur seekhna chahte hain – this is solid.

3. INDmoney – Ekdum Tech-Savvy & Global Touch

Best for: Naye ho par tech-friendly ho

INDmoney thoda different hai. Yahan aap India ke mutual funds toh le hi sakte ho, saath mein US stocks, tracking, credit score — full package.

✅ Pros:

AI-based investment suggestions

Family portfolio tracking

US stocks + Indian mutual funds

Credit score & expenses track bhi hota hai

❌ Cons:

Overwhelming for total beginners

App pe thoda zyada chinta (notifications 😅)

Desi Verdict:Agar aap tech-savvy ho, thoda experimental ho, aur “Bhai sab kuch ek jagah ho” type soch rakhte ho — INDmoney suits you best. Thoda professional lagta hai, par beginner bhi seekh jaata hai.

Quick Comparison Table

Feature Groww ET Money INDmoney

Interface Super Easy Detailed Tech-SavvyMutual Fund Selection Yes (Direct) Yes (Goal-based) Yes (With AI help)Tax Planning Basic Advanced MediumUS Stocks ❌ ❌ ✅Budget & Credit Tracking ❌ ✅ ✅Best For Beginners Learners Techies

Final Thoughts:

Toh Bhai Kya Karein?

Dekho bhai, simple si baat hai:

Groww – agar aap “easy chahiye bas” wale investor ho

ET Money – agar aap “smart invest + planning” wale ho

INDmoney – agar aap “sab kuch ek app mein” chahte ho

Aapka style jaise bhi ho, shuru karo. Mutual fund investment mein time is everything. Jaldi shuru karoge, zyada fayda hoga.

Bonus Tip for Desi Investors:

Chahe app koi bhi ho, mutual fund ka ek hi rule hai –“Zyada mat socho, SIP chalu karo!”Har mahine ₹500 se bhi shuruaat ho sakti hai. Baaki sab seekhne aata hai dheere-dheere.

Call-to-Action (CTA):

Ab aapka number hai!Konsi app aapko best lagti hai – Groww, ET Money ya INDmoney?Comments mein likho, aur agar blog pasand aaya toh share zarur karna apne doston ke saath.

Apna investment journey aaj se start karo!