Mutual funds stand out as one of the simplest and most effective tools for building wealth. Whether you are planning for retirement, saving for a house, or simply building long-term financial security, there are multiple schemes tailored to meet your goals.
While selecting the right mutual fund scheme is important, choosing the right app to manage your investments is equally critical. The right app can simplify your investment journey and offer the convenience, insights, and tools to make well-informed decisions.
Let’s look closer at what makes a mutual fund app truly the best for Indian users in 2025.
Diverse range of mutual fund schemes
Look for platforms that offer a wide collection of mutual funds. From equity funds for high-growth potential to debt funds for low-risk returns and hybrid funds for balance, a diverse selection allows you to build a resilient portfolio. Moreover, options like sectoral funds, international funds, and tax-saving schemes offer additional flexibility and customization.
Access to tax-saving options
A great investing app should provide access to tax-saving mutual funds like Equity Linked Savings Schemes (ELSS). ELSS allows you to claim deductions of up to ₹1.5 lakh per financial year under Section 80C of the Income Tax Act, 1961. This offers dual benefits, i.e., significant tax savings and high returns through exposure to equities.
You should be able to explore various ELSS funds, use comparison tools to assess their risk, returns, and performance, and consider a Systematic Investment Plan (SIP) for hassle-free investing.
Managing partners
The credibility of a mutual fund app depends on its managing partners. Look for apps partnered with reputable banks, secure payment gateways, and trusted technology providers. Partnerships with leading Asset Management Companies (AMCs) enhance the app’s reliability even more as you get access to well-managed schemes.
Research tools
Advanced research tools can provide useful insights into fund performance, historical returns, risk metrics, sector allocation, and peer comparisons. They also allow you to filter funds based on specific parameters like price, market capitalization, expense ratios, returns, dividend yield, growth rates, and risk levels.
With such data, you can avoid relying solely on marketing or rumors and can make more confident investment decisions.
Portfolio management tools
The best mutual fund app is the one that simplifies how you manage and monitor your investments. It should provide a clear breakdown of your holdings and show exactly where your money is allocated, i.e., across equity, debt, or hybrid funds. You should be able to track profits, losses, and overall portfolio health effortlessly. Note that some apps even highlight underperforming funds and suggest rebalancing strategies.
These features help you optimize your portfolio for better performance and align it with long-term financial goals.
Easy payment options
A good investment app should support multiple payment methods, such as UPI, net banking, debit cards, and payment wallets. Instant fund transfers allow you to deposit or withdraw money without delays, which is extremely crucial during market volatility. Some platforms also offer features like linking multiple bank accounts for added flexibility.
Make sure the platform charges minimal processing fees and secures transactions. This can help you avoid unnecessary costs and protect payment details from unauthorized access.
Educational resources and 24/7 help
The best investment app stands out by providing access to educational resources such as user guides, articles, FAQs, and videos that explain financial concepts clearly. These resources enhance your financial knowledge and give you the much-needed confidence to make well-informed decisions.
24/7 support is also crucial so that you are never stuck when an issue arises. Whether it’s a technical glitch or a question about a feature, responsive support via chat, email, and phone means your concerns will be addressed promptly.
Ending note
The best mutual fund app in 2025 is the one that simplifies every step of your investment journey. It should offer access to a wide range of mutual fund schemes, and tax-saving options, along with tools for in-depth research, efficient portfolio management, and flexible SIP plans. RIISE by Motilal Oswal combines all these features with expert-backed insights, UPI-based payment methods, educational resources, and 24/7 customer support.
Start your investment journey confidently with the RIISE app today!
