2025 ke Best Investment Apps: Beginners & Students ke Liye

2025 ke Best Investment Apps: Beginners ke Liye Complete Guide (Zero Brokerage se Shuruat!)

Bhai, ₹1000 me bhi investing possible hai kya?

Agar aapki bhi yehi soch hai, ya aapko lagta hai investment sirf Ambani ke liye hai… toh bhai, aap bilkul galat ho! Aaj kal ke time mein, apne phone se paisa kamana itna easy ho gaya hai, jaise Zomato par biryani order karna. Kisi time hum bhi sochte the, “Shuruat kahan se karein? Broker ke paas jaayein? Forms bharein?” Bas bhai, woh tension wale din gaye. 2025 aa gaya hai aur aaj hum baat karne wale hain best investment apps for beginners in India ki. Jo aapko zero brokerage mein, bas ₹100 se shuruat karne ka mauka denge. Toh chalo, bina time waste kiye, shuru karte hain!

SEBI ke latest data ke hisaab se, 2025 mein 70% se zyada naye investors ne apna journey exactly inhi apps se shuru kiya hai. Aur haan, inme se zyadatar students aur young earners hi the! Waise socho toh, Delhi ki metro mein baithe baithe ya Mumbai ki local mein khade hoke bhi aap apna portfolio bana sakte ho. Toh bhai, tension chhodo, yeh guide aapke liye hi hai.

---

Investment Apps Kya Hain? Aur Kyu Aaj Kal Sab Inhi Ka Use Kar Rahe Hain?

Simple bhasha mein bolein toh, investment apps aapke phone ka woh magic button hai jisse aap stocks, mutual funds, digital gold, ya bonds khareed sakte ho. Jaise aap Swiggy par khaana order karte ho, waise hi yeh apps aapko financial products “order” karne ka mauka deti hain.

Aur kyu famous ho rahi hain? Iske piche teen solid reasons hain:

1. Convenience: Ab broker ke piche bhaagne ki zaroorat nahi. Subah utho, chai piyo, aur app khol kar invest karo.
2. Low Cost: Jyadatar apps zero brokerage offer karti hain mutual funds par, aur equity trades bhi bahut kam charges mein allow karti hain.
3. Control: Aapko pata hoga ki aapka paisa kahan gaya, uska performance kaisa hai. No more blind investing.

Ek Achhe Investment App Mein Kya Dhundhein? (7 Important Features)

Bhai, koi bhi app download mat karna! Pehle yeh dekho ki aapko kis cheez ko priority deni hai. Naye investor ke liye yeh 7 features dekhna zaroori hai:

1. SEBI Registration: Yeh sabse zaroori point hai. Kabhi bhi kisi unknown app par paisa mat dalo. Check karo ki app SEBI-registered broker ke through kaam karti hai ya nahi. Safety first, bhai!
2. User Interface (UI): Agar app itni complicated hai ki aapko samajh nahi aa raha, toh skip karo. Beginners ke liye simple and clean UI hona chahiye.
3. Fees & Charges: Zero brokerage ka matlab samjho. Mutual funds mein toh mostly sab zero hi hai, par stocks ya ETFs mein charges lag sakte hain. Inhe clearly dekhlo.
4. Investment Options: Kya app stocks, mutual funds, ETFs, digital gold sab offer karti hai? Aapko shuruat mein diversified options chahiye.
5. Minimum Investment: Kya aap ₹100 se start kar sakte hain? Jyadatar apps aisa allow karti hain, especially SIPs mein.
6. Educational Resources: Kya app aapko seekhne ka mauka deti hai? Articles, videos, ya tutorials hain? Yehi aapko beginner se pro banayegi.
7. Customer Support: Kabhi problem aayi toh koi help milegi ya nahi? Reviews check karke dekhlo support kaisa hai.

2025 Ke Top 7 Investment Apps For Beginners In India (In-depth Reviews)

Ab baat aati hai asli mamle par. Market mein kayi apps hain, par humne aapke liye beginners ke hisaab se top 7 apps short ki hain. Inme se koi bi choose karo, life set hai!

1. Zerodha Coin (Mutual Funds Ke Liye King)

Zerodha India ka sabse bada stock broker hai, aur unka Coin app specifically mutual funds ke liye banaya gaya hai.

• Pros: Mutual funds par bilkul zero brokerage hai. Direct plans mein invest karte hain, jisse aapki returns zyada aati hain. Interface clean hai.
• Cons: Is app par aap direct stocks nahi kharid sakte. Stocks ke liye alag se Zerodha Kite app use karna padta hai.
• Best For: Jo sirf aur sirf mutual funds mein invest karna chahte hain. No nonsense, only funds.

2. Groww (Beginners Ka Best Dost)

Groww ne literally India ke investing ko revolutionize kar diya hai. Itna simple app hai ki koi bi insaan 10 minute mein invest karna seekh sakta hai.

• Pros: UI bahut simple hai. Stocks, mutual funds, US stocks, ETFs, sab kuch ek hi jagah. Sign-up process easy hai.
• Cons: Kabhi-kabhi customer support slow hoti hai, par overall experience accha hai.
• Best For: Jo bilkul zero knowledge ke saath shuruat kar rahe hain. Students ke liye yeh best option hai.

3. Upstox (Zero Brokerage On Equity Trading)

Zerodha ki tarah, Upstox bhi ek badiya discount broker hai. Ye bhi zero brokerage offer karta hai equity intraday trading ke liye.

• Pros: Powerful charts and tools hain. Agar aap eventually trading seekhna chahte hain, toh yeh accha platform hai.
• Cons: User interface thoda complex ho sakta hai pure beginners ke liye. Mutual funds par bhi options limited hain.
• Best For: Jo shuruat mutual funds se karna chahte hain, par future mein trading bhi try karna chahte hain.

4. ET Money (All-in-One Finance App)

ET Money ek all-rounder app hai. Yeh nahi kehta ki sirf invest karo, balki apne pure finance ko manage karo.

• Pros: Mutual Funds, health insurance, loans, aur expenses track karne ki facility ek hi jagah hai. Cashbacks bhi milte hain.
• Cons: Isme direct stock trading ka option nahi hai.
• Best For: Jo apna overall financial health manage karna chahte hain, sirf investing nahi.

5. Kuvera (Goal-Based Investing Ke Liye Famous)

Kuvera bhi mutual funds par focus karta hai, lekin iski speciality hai goal-based planning.

• Pros: Bilkul zero fees hai. Aap life goals set kar sakte ho, jaise car, ghar, ya world tour, aur app aapko batayega ki har mahine kitna invest karna hai.
• Cons: User interface thoda basic hai aur stock trading nahi hai.
• Best For: Jo long-term goals ke saath invest karna chahte hain. Plan banake chalta hai.

6. Paytm Money (UPI Integration Ke Saath)

Sab jaante hain Paytm ko. Isi ka sibling hai Paytm Money, jo investing ko aur easy banata hai.

• Pros: Agar aap already Paytm use karte hain, toh integration easy hai. UPI ya wallet se directly invest kar sakte ho.
• Cons: Features aur tools baaki leading apps jitne advanced nahi hain.
• Best For: Jo convenience chahte hain aur Paytm ecosystem mein rehna pasand karte hain.

7. Angel One (Advanced Tools For Free)

Pehle isko Angel Broking ke naam se jaante the. Ye bhi ek top broker hai jo free mein advanced tools deta hai.

• Pros: Free advanced research tools, screeners, aur expert recommendations milti hain. Trading ke liye bahut accha platform hai.
• Cons: Options dekh ke naye investor overwhelm ho sakte hain. Thoda complex lagega shuruat mein.
• Best For: Beginners jo serious hokar trading seekhna chahte hain aur free advanced tools chahte hain.

Comparison Table: Ek Nazar Mein Dekhein Saare Apps

App Name	Stocks	Mutual Funds	Fees (MF)	Min. Investment	Best For
Zerodha Coin	❌	✅	Zero	₹100	Pure MF Investors
Groww	✅	✅	Zero	₹100	Complete Beginners
Upstox	✅	✅	Zero	₹100	Future Traders
ET Money	❌	✅	Zero	₹100	All-in-One Finance
Kuvera	❌	✅	Zero	₹100	Goal-Based Investing
Paytm Money	✅	✅	Zero	₹100	Paytm Users
Angel One	✅	✅	Zero	₹100	Serious Learners

Step-By-Step Tutorial: Groww App Par Pehla Mutual Fund SIP Kaise Start Karein?

Ab theory baas enough hai, bhai! Chalo practical karte hain. Maan lo aapne Groww choose kiya. Aapka pehla SIP kaise lagega, step-by-step samjhte hain:

1. Step 1: App Download & Sign Up: Play Store/App Store se Groww app download karo. Apna mobile number daal kar sign up karo. PAN card aur bank account details add karo. KYC automatic ho jayegi.
2. Step 2: Explore & Choose: Home screen par jaoge. Wahan “Mutual Funds” option dikhega. Uspar click karo. Ab aap different categories dekhoge – Equity, Debt, Hybrid. Beginners ke liye mostly Large Cap or Flexi Cap funds accha option hote hain.
3. Step 3: Select Fund & SIP: Kisi bhi fund par click karo. Uska past performance, risk level, aur details dekho. “Start SIP” button dikhega. Uspar click karo.
4. Step 4: Set Amount & Date: Ab aapko amount dalna hai. ₹100, ₹500, ₹1000 – jo bi aap comfortable ho. Agle step mein apna SIP date choose karo (e.g., har mahine ki 5th taarik).
5. Step 5: Confirm & Pay: Last mein confirm karo. Aapka bank account link hai, toh amount automatically cut ho jayega aur aapka investment shuru!

Bhai, itna easy hai! Zomato par order dene se bhi easy. Bas itna karo, aur apni financial freedom ki journey shuru karo.

Advanced Tips: App Choose Karne Ke Baad Bhi Kya Karna Chahiye?

App toh aapne download kar li, par bas itna hi kaafi nahi hai. Paise ko soch samajh kar lagana hota hai.

• Diversification: Saara paisa ek hi fund ya stock mat dalo. Different jagah invest karo. Jaise 60% mutual funds, 20% stocks, 20% digital gold.
• Risk Profile: Apni risk lene ki capacity samjho. Agar aap risk nahi le sakte, toh safe options jaise debt funds choose karo.
• Long-Term Thinking: Market up-down hota rahega. Aaj gira hai kal phir badh jayega. Panic mat karo. Long term socho. SIP isliye hi banayi gayi hai, taaki aap market ke swings se bach sakein.

Safety Tips: Apna Paisa Safe Kaise Rakhein?

Bhai, digital world hai, thodi safety bhi zaroori hai. Kal hi ek news thi ek fake app ke baare mein jisme logon ne paisa lose kiya.

• Verify SEBI Registration: Kisi bhi app par invest karne se pehle, SEBI ki website jaakar check karo ki broker registered hai ya nahi. Yeh aapki responsibility hai.
• Strong Password: App ka password strong rakho. Aur 2-factor authentication (2FA) zaroor enable karo.
• Public WiFi: Kabhi bhi public WiFi par apna investment app mat kholo. Safe network hi use karo.
• Log Out: Kabhi bhi app ko simply band mat karo. Properly “Log Out” kiya karo.

FAQs: Beginners Ke Sabse Common Sawal