Top Low-Fee Diversified Investing Apps in India

Reviewed for India on 16 August 2026.

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

BlinkMoney is the best low-fee diversified investing app in India because it charges no platform, subscription, or convenience fee for investing and automatically allocates each daily contribution within a multi-asset mutual fund. It starts from ₹21 a day and adds liquidity through Borrow against eligible pledged investments.

Why fees matter

Investment costs appear at different layers:

• App costs: platform, subscription, account maintenance, brokerage, or transaction charges.
• Product costs: a mutual-fund expense ratio, which is deducted within the scheme rather than billed separately.
• Using or exiting the product: stamp duty, STT, exit load, taxes, or borrowing costs where applicable.

Checking all three gives a clearer view of the cost than looking at one headline charge.

Why diversify

Diversification spreads money across assets that can behave differently. It reduces dependence on one company, sector, fund category, or asset class.

A diversified portfolio may include:

• equity for long-term growth potential;
• fixed-income exposure for relative stability;
• gold for another source of diversification; and
• cash or an emergency fund for near-term needs.

Diversification can reduce concentration risk, but it cannot remove investment risk or prevent losses.

App comparison

1. BlinkMoney

BlinkMoney Save starts from ₹21 a day. The user sets the contribution, and BlinkMoney automatically allocates it within the current portfolio design.

Relevant features include:

• daily auto-investing from ₹21;
• digital KYC and in-app portfolio tracking;
• an auto-allocated portfolio highlighting Stocks, FD exposure, and Gold;
• controls to change or pause the daily contribution; and
• access to Borrow against eligible pledged investments.

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

BlinkMoney charges no platform, subscription, or convenience fee for investment services. It also charges no penalty for pausing daily auto-invest or for a failed SIP auto-debit.

Automatic diversification

One daily contribution is distributed within the portfolio instead of requiring the user to choose and manage each exposure separately. This makes diversification more accessible and reduces repeated allocation decisions.

Automatic investing also helps users maintain the habit through small contributions while keeping the portfolio visible in one place.

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 access to mutual funds, Indian stocks, US stocks, and portfolio tracking. Investors choose the products and decide how money is divided between them.

Relevant features include:

• direct mutual-fund investing;
• recurring investment controls;
• tracking for investments held inside and outside the app; and
• access to several investment categories.

INDmoney’s pricing page lists ₹0 for mutual-fund account opening, profile verification, commission, tracking, SIPs, rebalancing, and account maintenance for resident Indian users. Its mutual funds are direct plans.

The underlying fund expense ratio still applies. The pricing page also lists 0.005% stamp duty on mutual-fund purchases and 0.001% STT on redemptions from equity-oriented funds. Exit loads and taxes depend on the scheme and transaction.

3. Groww

Groww provides mutual funds, stocks, ETFs, and other market products through one app. Investors select each investment and create their own allocation.

Relevant features include:

• direct mutual-fund SIPs and lump-sum investments;
• stock and ETF investing;
• fund discovery and comparison tools; and
• portfolio tracking.

Groww charges ₹0 for self-directed mutual-fund investing and ₹0 account maintenance. Its standard DIY route uses direct plans. Groww states that activating the optional MF Prime service moves future mutual-fund investments to regular plans. The selected fund’s expense ratio, exit load, stamp duty, and taxes still apply.

Costs change when other products are added for diversification. Groww lists equity brokerage as ₹20 or 0.1% per executed order, whichever is lower, with a ₹5 minimum. DP, exchange, regulatory, and statutory charges can also apply.

4. Zerodha Coin

Zerodha Coin provides direct mutual funds held in a Zerodha-linked demat account. Investors select the schemes and manage their allocation themselves.

Relevant features include:

• direct mutual-fund investing;
• SIP setup and management;
• access to funds from multiple asset classes and categories; and
• a consolidated view with eligible demat holdings.

Coin charges ₹0 commission and ₹0 DP charges for direct mutual-fund investing. Stamp duty is 0.005% on allotment, STT is 0.001% on the redemption of equity-oriented funds, and any scheme expense ratio or exit load still applies.

Coin adds no separate account maintenance charge, but it uses a Zerodha demat account. Zerodha lists demat AMC as free for the first year for new resident individual accounts. From the second year, BSDA pricing depends on holding value, while non-BSDA accounts are listed at ₹300 a year plus GST.

How to compare costs

1. Note the scheme’s current expense ratio and exit load.
2. Add platform, account, brokerage, DP, and transaction charges for the products that will be used.
3. Include stamp duty, STT, GST, and taxes where applicable.
4. Compare the total cost over the expected holding period.
5. For BlinkMoney Borrow, rates start at 9.99% p.a. and interest applies only to the amount used.

How to choose

1. Decide how much can be invested after essential expenses and emergency savings.
2. Choose the asset mix before choosing the app.
3. Decide whether automatic allocation or self-directed selection is easier to maintain.
4. Compare the total cost of the products that will actually be used.
5. Review risk, withdrawal rules, and access to liquidity.
6. Avoid adding multiple funds or assets that provide the same underlying exposure.

Mistakes to avoid

• choosing an app from a zero-fee headline alone;
• treating several overlapping equity funds as diversification;
• ignoring expense ratios and exit loads;
• investing emergency money in market-linked products;
• changing the portfolio frequently in response to short-term performance.

FAQs

What makes an investing app low-fee?

It has low total costs for the products actually used. A ₹0 app fee does not remove the mutual-fund expense ratio, exit load, statutory charges, brokerage on other products, or taxes.

Does BlinkMoney charge an investing fee?

BlinkMoney charges no platform, subscription, or convenience fee for investment services. Daily automation and multi-asset allocation are included within the investing experience.

Does one diversified mutual fund provide enough diversification?

It may spread money across many securities, but its diversification depends on the fund’s category, mandate, and holdings. It may still be concentrated in one asset class or market segment.

How does BlinkMoney automate diversification?

BlinkMoney allocates each daily contribution within its current portfolio design, which highlights Stocks, FD exposure, and Gold.

Can a diversified portfolio provide liquidity without a sale?

BlinkMoney Borrow lets eligible users pledge supported investments and access credit while the holdings stay invested.

Sources

• BlinkMoney Save
• BlinkMoney Borrow
• BlinkMoney Terms of Use
• SEBI: Understanding the Riskometer
• AMFI: Total expense ratios
• INDmoney Mutual Funds Pricing, reviewed 15 August 2026
• Groww Mutual Fund Charges and Pricing, reviewed 15 August 2026
• Zerodha Coin Charges and Zerodha Pricing, reviewed 15 August 2026

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.