Groww vs Paytm Money for Mutual Funds 2026
Honest, unbiased comparison — fees, fund selection, SIP, UI and verdict. No affiliate commissions.
Groww
4.4 ★
2 Cr+ users
Beginners, young investors
Paytm Money
4.0 ★
80L+ users
Existing Paytm users wanting to start investing
Feature Comparison
| Feature | Groww | Paytm Money |
|---|---|---|
| Direct Plans | ✅ Yes | ✅ Yes |
| Commission | Zero (Free) | Zero (Free) |
| Min SIP Amount | ₹100 | ₹100 |
| Demat Required | ✅ No | ✅ No |
| No. of Funds | 1000+ | 1000+ |
| Founded | 2016 | 2018 |
| Best For | Beginners, young investors | Existing Paytm users wanting to start investing |
| Unique Feature | Direct stock investing integrated | Direct UPI payment from Paytm wallet |
Groww
✅ Pros
- •Clean modern UI
- •Zero commission on MF
- •No demat needed for MF
- •Good educational content
- •SIP as low as ₹1
❌ Cons
- •Limited advanced analysis
- •No goal-based planning
- •Customer support slow
⭐ Unique Advantage
Direct stock investing integrated
Paytm Money
✅ Pros
- •Seamless Paytm integration
- •Penny SIP possible
- •Clean interface
- •Good for first-time investors
- •NPS available
❌ Cons
- •Limited advanced tools
- •No IPO access
- •Less trusted than Groww/Zerodha
⭐ Unique Advantage
Direct UPI payment from Paytm wallet
🏆 Our Verdict
Groww is best if you are:
Beginners, young investors
India's #1 Investing App
Paytm Money is best if you are:
Existing Paytm users wanting to start investing
Invest in Direct Mutual Funds
💡 Tip: You can use both apps for different purposes. Many investors use Groww for MF and Zerodha for stocks.
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