Are you confused about where to buy the best direct mutual funds in India? Do you want to avoid hidden commissions and maximize your returns? You’re not alone. With hundreds of platforms promising easy investing, many people find it tough to pick the right one. This article will help you discover the best direct mutual fund investment platform in India, compare their features, and show you how to start your investment journey confidently. We’ll also highlight why Upstox is a top choice for digital investing in 2025.
What Are Direct Mutual Funds?
Direct mutual funds are schemes you buy straight from the AMC or through a registered direct platform, skipping distributors and their commissions. This means lower expense ratios and higher returns for investors over time. The difference in returns between direct and regular plans can be significant, especially for long-term investors.
Why Use a Direct Mutual Fund Investment Platform?
- Zero Commission:
Direct mutual fund platforms do not charge distributor commissions, so you keep more of your returns. - Wide Choice:
Most leading platforms offer access to 5,000+ direct mutual fund schemes from all major AMCs. - Digital Convenience:
Investors can complete KYC, start SIPs, invest lump sums, switch funds, and track portfolios online. - Transparency:
You can view fund ratings, past performance, risk levels, and expense ratios before investing - Goal-Based Investing:
Many apps help you set and track financial goals, offering personalized recommendations.
Top 10 Direct Mutual Fund Investment Platforms in India (2025)
Below are the leading platforms for direct mutual fund investing, with the latest features, charges, and reasons to choose each one.
1. Upstox (Our Top Pick for Digital Investors)
Product Introduction:
Upstox is one of India’s fastest-growing investment platforms, trusted by over 1 crore users. While Upstox is best known for its low-cost stock trading and strong digital experience, it also offers seamless mutual fund investing. You can invest in mutual funds, stocks, IPOs, and more from a single app, making portfolio management easy for both beginners and experienced investors.
Why Choose Upstox:
Upstox offers a user-friendly interface, fast onboarding, and secure transactions. The platform provides access to a wide range of mutual funds, including direct plans, with no hidden charges. Upstox’s advanced analytics, real-time tracking, and paperless KYC make investing hassle-free. Its customer support and educational tools empower users to make informed decisions.
Key Features:
- Zero account opening charges for mutual fund investments
- No commission on direct mutual funds
- Invest in SIP or lump sum with as little as ₹100
- Fast digital onboarding and paperless KYC
- Real-time portfolio tracking and analytics
- Secure, RBI and SEBI-compliant platform
2. Groww
Product Introduction:
Groww is a leading mutual fund investment app with over 5 crore users. It offers access to 5,000+ direct mutual funds and is known for its simple, intuitive interface.
Why Choose Groww:
Groww charges zero commission on direct mutual funds and offers free account opening. The app provides educational resources, goal-based investing, and instant portfolio summaries.
Key Features:
- 0% commission, zero processing fees
- 5,000+ direct mutual funds
- SIP and lump sum investing
- Intuitive mobile app and web platform
3. Zerodha Coin
Product Introduction:
Zerodha Coin is India’s largest direct mutual fund platform, with over ₹3.5 lakh crore invested and 1.3 crore users. It integrates seamlessly with Zerodha’s trading platform.
Why Choose Zerodha Coin:
Zerodha Coin offers commission-free direct mutual fund investing, SIP automation, and advanced portfolio management tools.
Key Features:
- No commission on direct mutual funds
- SIP, SWP, and NFO support
- Integration with Zerodha trading account
- Multiple payment options (UPI, NEFT, net banking)
4. ET Money
Product Introduction:
ET Money is a trusted mutual fund investment app used by millions. It allows you to invest in direct mutual funds, fixed deposits, and NPS.
Why Choose ET Money:
ET Money offers commission-free investing, personalized recommendations, and smart financial tools like SIP calculators and expense tracking.
Key Features:
- Invest in 5,000+ direct mutual funds
- Smart portfolio analysis
- Goal-based investing and tax-saving tools
- Paperless onboarding
5. INDmoney
Product Introduction:
INDmoney is an all-in-one finance app with over 1.6 crore users. It enables investing in mutual funds, stocks, and even US equities.
Why Choose INDmoney:
INDmoney offers 1,600+ direct mutual funds, a free Demat account, and advanced portfolio insights. It supports SIPs starting at ₹100 and provides real-time alerts.
Key Features:
- Zero platform fees for mutual funds
- Automated SIPs and STP features
- Advanced analytics and profit/loss tracking
- US stock investing options
6. 5paisa
Product Introduction:
5paisa is a discount broker that offers direct mutual fund investing along with stocks, derivatives, and IPOs.
Why Choose 5paisa:
5paisa provides a single app for all investments, free account opening, and multiple brokerage plans for different investor needs.
Key Features:
- Invest in mutual funds, stocks, and IPOs
- Free account opening
- Multiple trading platforms (app, web, terminal)
- Research and educational content
7. Paytm Money
Product Introduction:
Paytm Money is a digital-first platform for mutual fund investing, offering both SIP and lump sum options.
Why Choose Paytm Money:
Paytm Money charges zero commission on direct mutual funds and provides a simple, easy-to-use app with instant KYC.
Key Features:
- No commission, no annual charges
- 5,000+ direct mutual funds
- Quick onboarding and UPI payments
- Expense and portfolio tracking
8. Kuvera
Product Introduction:
Kuvera is a zero-commission mutual fund investment app with goal-based investing and advanced analytics.
Why Choose Kuvera:
Kuvera supports 5,000+ direct mutual funds, family account management, and tools for tax harvesting and smart portfolio insights.
Key Features:
- Zero commission on direct mutual funds
- Goal-based investing and family accounts
- Tax optimization tools
- Liquid fund emergency withdrawal
9. Angel One
Product Introduction:
Angel One is a full-service broker with a robust mutual fund platform, offering both regular and direct plans.
Why Choose Angel One:
Angel One provides one-touch login, family folio tracking, and a wide range of investment products in a secure environment.
Key Features:
- Invest in mutual funds, stocks, and commodities
- Auto data refresh and portfolio tracking
- Educational resources and research
10. myCAMS
Product Introduction:
MyCAMS is a mutual fund platform that supports all major AMCs and offers a 360° portfolio view.
Why Choose myCAMS:
MyCAMS allows PAN-based tracking, easy SIP management, and supports direct plans across multiple fund houses.
Key Features:
- Supports all major AMCs
- SIP, SWP, and STP features
- Portfolio health check and analytics
- Secure, paperless transactions
Comparison Table: Best Direct Mutual Fund Investment Platforms (2025)
| Platform | Users (2025) | Direct Funds | Commission | Min. SIP | Account Opening | Extra Features |
|---|---|---|---|---|---|---|
| Upstox | 1+ crore | 5,000+ | 0% | ₹100 | Free | Stock/IPO investing, analytics |
| Groww | 5 crore+ | 5,000+ | 0% | ₹100 | Free | Goal-based, easy UI |
| Zerodha Coin | 1.3 crore+ | 5,000+ | 0% | ₹100 | Free | SIP , trading integration |
| ET Money | 2 crore+ | 5,000+ | 0% | ₹100 | Free | Tax tools, expense tracking |
| INDmoney | 1.6 crore+ | 1,600+ | 0% | ₹100 | Free | US stocks, advanced analytics |
| 5paisa | 1 crore+ | 5,000+ | 0% | ₹100 | Free | Stock/IPO, researchautomation |
| Paytm Money | 2 crore+ | 5,000+ | 0% | ₹100 | Free | UPI payments, instant KYC |
| Kuvera | 50 lakh+ | 5,000+ | 0% | ₹100 | Free | Family accounts, tax harvesting |
| Angel One | 5 crore+ | 5,000+ | 0% | ₹100 | Free | One-touch login, research |
| myCAMS | 50 lakh+ | 5,000+ | 0% | ₹100 | Free | All AMC support, portfolio health |
Key Features to Look For:
- Zero Commission/Processing Fees
- Wide Fund Selection (5,000+ schemes)
- Paperless KYC and Onboarding
- SIP and Lump Sum Investment Options
- Portfolio Tracking and Analytics
- Goal-Based Investing Tools
- Educational Content and Research
- Regulatory Compliance (SEBI, AMFI, RBI registered)
How to Choose the Best Direct Mutual Fund Investment Platform
- Check for Direct Plans: Ensure the platform offers only direct mutual funds to avoid commission charges.
- User Experience: Prefer platforms with a simple app, fast onboarding, and real-time tracking.
- Minimum Investment: Look for platforms with low minimum SIP or lump sum requirements.
- Extra Features: Consider analytics, goal-based investing, and support for stocks or IPOs if you want more options.
- Security: Choose SEBI-registered, RBI-compliant platforms for safety.
- Customer Support: Reliable support is essential for resolving issues quickly.
Commodity Broker in India (Full-Service Brokers): If you want to invest in commodities or stocks along with mutual funds, pick a platform that offers all services.
Frequently Asked Questions (FAQs):Best Direct Mutual Fund Investment Platform in India
What is a direct mutual fund investment platform?
A platform that lets you buy mutual fund plans directly from AMCs, without paying distributor commissions.
Why are direct mutual funds better than regular plans?
Direct plans have lower expense ratios, so you earn higher returns over time.
Which is the best platform for direct mutual fund investment in India?
Upstox, Groww, and Zerodha Coin are top choices in 2025 for their zero commission, digital experience, and robust features.
How much do I need to start investing?
You can start SIPs or lump sum investments with as little as ₹100 on most platforms.
Are there any charges for investing in direct mutual funds?
Most platforms charge zero commission and no account opening fees.
Can I switch from regular to direct plans?
Yes, most platforms allow easy switching from regular to direct mutual funds.
Is KYC required for mutual fund investment?
Yes, you must complete KYC (Know Your Customer) before investing.
Can I invest in SIP and lump sum both?
Yes, all leading platforms support both SIP and lump sum investments.
Are these platforms safe?
Yes, choose SEBI-registered and RBI-compliant platforms for secure investing.
Can I track all my investments in one place?
Yes, platforms like Upstox, Groww, and INDmoney offer real-time portfolio tracking and analytics.
Conclusion
A Direct Mutual Fund Investment Platform in India empowers investors to save more, invest smarter, and reach their financial goals without paying extra commissions. With options like Groww, Zerodha Coin, ET Money, and Paytm Money, you get zero-commission investing, wide fund choices, and digital convenience backed by regulatory safety. Always compare features, check compliance, and start your investment journey with the platform that fits your needs best.
Ready to grow your wealth? Open your direct mutual fund investment account with Upstox now and experience the future of investing!
