Paytm Money
Paytm's Indian investing app for stocks, F&O, mutual funds, IPOs and NPS.
Updated · AppBreakup editorial · Web, Android, iOS
Is Paytm Money free?
Free plan, plus paid plans
Switch from Paytm Money to
All 5
GrowwFree plan + paid
Zerodha KiteFree plan + paid
UpstoxFree plan + paid
- Verified facts
- 5 of 5
- Alternatives ranked
- 5
- Approved reviews
- 0
- Visits sent from here
- 0
About Paytm Money
Paytm Money is the investing arm of Paytm, offering a demat and trading account for Indian stocks, futures and options, ETFs and IPOs, alongside direct mutual funds and the National Pension System (NPS). It started out as a mutual fund app, and that side remains a strength: buying and redeeming direct funds carries no transaction fee, and SIPs can run on an auto-pay mandate. For stocks it offers stock SIPs, GTT and basket orders, margin trading (sold as Pay Later) and portfolio insights. Opening an account is free and there is no annual maintenance charge, new users get a short brokerage-free period with a cap, and after that trades are charged per order. Being part of the Paytm group makes it a natural pick for people who already use Paytm for payments, though it doesn't offer US stocks. It runs on Android, iOS and the web.
Best for: Paytm users in India who want mutual funds, stocks and NPS in one app.
Paytm Money pricing (checked Nov 8, 2026)
Each line is quoted from Paytm Money's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Account maintenance | ₹0 for life | Nov 8, 2026 | paytmmoney.com |
| Intro offer | ₹0 brokerage for 30 days, up to ₹100 | Nov 8, 2026 | paytmmoney.com |
Pros and cons
What works
- No account maintenance charge for life
- Direct mutual funds with no transaction fee
- NPS retirement investing in the same app
Why people leave
- Free brokerage for new users is capped and lasts only a month
- No US stocks, unlike Groww, Dhan or INDmoney
- Fewer advanced trading tools than trader-focused brokers
Paytm Money vs Groww, Zerodha Kite and Upstox
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Paytm Money | Groww | Zerodha Kite | Upstox |
|---|---|---|---|---|
| Pricing | Free plan + paid | Free plan + paid | Free plan + paid | Free plan + paid |
| Verified price | — | — | — | — |
| Free plan | Yes | Yes | Yes | Yes |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, Android, iOS | Web, Android, iOS | Web, Android, iOS | Web, Android, iOS |
Top Paytm Money alternatives
See all 5- 1Groww68.8
Similar all-in-one app for mutual funds and stocks, with US stocks too.
- 2Zerodha Kite64.8
Free equity delivery trades and deeper tools for when you trade more often.
- 3Upstox61.8
Flat-fee broker with mutual funds and IPOs at no brokerage and TradingView charts.
- 4
Dhan59.4No brokerage on equity delivery and much stronger tools for options traders.
- 5
Angel One57.5Full-service broker with research and recommendations alongside its app.
Why people left Paytm Money
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Reviews
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Paytm Money: common questions
What is Paytm Money?
Paytm Money: Paytm's Indian investing app for stocks, F&O, mutual funds, IPOs and NPS. Best for paytm users in India who want mutual funds, stocks and NPS in one app. Available for Web, Android and iOS.
Is Paytm Money free?
Paytm Money has a free plan and paid plans.
How much does Paytm Money cost?
Paytm Money is free with paid plans. Account maintenance: ₹0 for life; Intro offer: ₹0 brokerage for 30 days, up to ₹100. Checked on Paytm Money's own site, November 2026.
Is Paytm Money open source?
No, Paytm Money is not open source.
What platforms does Paytm Money run on?
Paytm Money is available for Web, Android and iOS.
What are the best alternatives to Paytm Money?
The highest-ranked Paytm Money alternatives right now are Groww, Zerodha Kite and Upstox. See the full ranked list for pricing, platforms and verified facts.
Paytm Money vs Groww: what's the difference?
Both Paytm Money and Groww are free with paid plans. Both run on Web, Android and iOS.