Top Diversified Investing Apps in India

Reviewed for India on 16 August 2026.

Quick answer: Which is the best diversified investing app in India?

BlinkMoney is the best diversified investing app in India because one daily contribution is automatically allocated within a portfolio that highlights Stocks, FD exposure, and Gold. It starts from ₹21 a day, keeps the portfolio in one place, and adds liquidity through BlinkMoney Borrow against eligible pledged investments.

Why diversify?

Holding only one asset can make the portfolio depend heavily on one type of risk. Equity can move sharply with market conditions. Fixed-income exposure can add stability. Gold can behave differently from equities and may add another source of diversification.

Diversification helps by:

• reducing reliance on a single company, sector, or asset class;
• spreading exposure across investments that can react differently to market conditions; and
• making the portfolio easier to align with a long-term goal and risk tolerance.

It does not assure a return or prevent losses. The allocation and the underlying investments determine the risk.

Which assets matter?

Stocks

Stocks can provide long-term growth potential. They are market-linked and can be volatile, especially over shorter periods.

FD exposure

Fixed-deposit or fixed-income exposure can play a stability-oriented role in a portfolio. Its terms, returns, liquidity, and risk depend on the underlying product.

Gold

Gold can add exposure that may move differently from equities. Its price can still fluctuate, and it does not provide a guaranteed hedge or return.

Allocation

The mix matters more than the number of assets. A portfolio needs an allocation that fits the investor’s time horizon, cash needs, and tolerance for market movement.

1. BlinkMoney

BlinkMoney Save starts from ₹21 a day and uses an auto-investing workflow. BlinkMoney highlights Stocks, FD exposure, and Gold as the core daily-investing basket within a broader multi-asset framework.

Relevant BlinkMoney features include:

• daily auto-investing from ₹21;
• digital KYC and in-app portfolio tracking;
• an auto-allocated portfolio that highlights Stocks, FD exposure, and Gold; and
• controls to change or pause daily contributions.

Automatic diversification

Automatic diversification makes a daily investing habit easier to manage. The user chooses a daily amount, and the product allocates it according to the current portfolio design.

This provides:

• one daily contribution across multiple asset exposures;
• a starting amount of ₹21, which makes diversified investing accessible with a small contribution;
• automatic allocation within the portfolio;
• fewer recurring investment decisions; and
• one place to track the contribution and portfolio.

The combination of a small starting amount and automatic allocation can help first-time investors build a diversified habit gradually.

Mutual Fund Distributor: Capline Ventures Private Limited (AMFI-registered Mutual Fund Distributor) | ARN: 330047

Borrow and liquidity

BlinkMoney Borrow lets eligible users access credit against pledged investments while the portfolio stays invested. Rates start at 9.99% p.a., with credit of up to 80% of pledged portfolio value. Interest applies only to the amount used.

2. INDmoney

INDmoney provides direct mutual-fund investing and portfolio analytics. Investors select the funds, contribution amount, and allocation.

Relevant features include:

• direct mutual-fund investing;
• daily, weekly, monthly, and quarterly SIP frequencies;
• tracking for INDmoney and external mutual-fund holdings; and
• portfolio views covering returns, allocation, and concentration.

Diversification depends on the selected funds. Check fund overlap, market-cap exposure, sector concentration, Riskometer, expense ratio, and exit load.

3. Groww

Groww provides direct mutual-fund SIPs and lump-sum investing. Investors select individual funds and build their own allocation across fund categories.

Relevant features include:

• direct mutual-fund investing;
• SIP and lump-sum options;
• fund search and comparison tools; and
• access to other investment products in the same app.

Check whether each fund adds a distinct exposure or repeats existing holdings. Review the scheme objective, Riskometer, expense ratio, and exit-load conditions.

4. Zerodha Coin

Zerodha Coin provides commission-free direct mutual funds held in a Zerodha-linked demat account. Investors select the funds and manage SIP instructions through the platform.

Relevant features include:

• commission-free direct mutual funds;
• SIP setup, modification, pause, and resume options; and
• a portfolio view for mutual funds and other eligible demat holdings.

Diversification depends on the selected funds and the wider demat portfolio. Review asset allocation, fund overlap, risk level, expense ratio, and redemption conditions.

Before you start

Check:

• the current portfolio allocation and underlying products;
• product costs, exit load, tax treatment, and withdrawal terms;
• the amount available after essential expenses and emergency savings; and
• whether the daily amount remains sustainable over time.

FAQs

Does diversification remove market risk?

No. It can reduce concentration risk, while the portfolio can still fall in value.

Can I change my daily investment amount?

The daily amount can be increased, decreased, paused, or resumed in the BlinkMoney experience.

Do users choose each asset every day?

BlinkMoney handles the allocation within its portfolio design. Users choose the daily contribution, and the allocation happens automatically.

Sources

• BlinkMoney Save
• BlinkMoney Borrow
• SEBI: Understanding the Riskometer

Disclaimer

This article is for general educational awareness only and is not investment, tax, legal, or financial advice. Market-linked products can fall in value, and past performance does not indicate future results. Product availability, costs, credit limits, rates, tax, and withdrawal terms can change. Review the latest product documents and consider advice from a SEBI-registered investment adviser or another qualified professional for your circumstances.