Managing your money wisely is more important than ever. With the rise of digital tools, personal finance apps have become essential for budgeting, saving, and investing. If you’re in India and looking to take control of your finances in 2025, this guide includes everything from top financial tools to the top 5 mutual fund schemes in India, the top performing mutual funds SIP in India, and trusted HDFC SIP plans in India to help you build long-term wealth.
Top Personal Finance Apps in India for 2025
1. ET Money
ET Money is an all-in-one personal finance app designed for Indian users. It offers mutual fund investments, insurance management, expense tracking, and tax-saving tools.
Key Features:
- Automated expense tracking
- Zero-commission mutual fund investments
- Tax planning and SmartDeposit options
- Goal-based investment suggestions
2. Money View
Money View links directly to your bank accounts and credit cards to help track expenses, monitor budgets, and check your credit score.
Key Features:
- Real-time spend analysis
- Monthly budget tools
- EMI & bill reminders
- Credit score access
3. Groww
Groww is ideal for both beginners and experienced investors. It allows direct mutual fund investments and stock trading through an easy-to-use interface.
Key Features:
- Commission-free direct mutual fund SIPs
- Stock and F&O trading
- Fixed deposit and digital gold investments
- Paperless KYC & free Demat account
4. CRED
CRED is a credit card bill payment app that rewards timely payments and offers detailed financial insights.
Key Features:
- Cashback and rewards for timely payments
- Credit score updates
- Smart financial analysis
- Exclusive offers and deals
5. Kuvera
Kuvera is known for its goal-based investment strategy and tax optimization features. It’s perfect for families looking to manage wealth together.
Key Features:
- Family portfolio tracking
- Direct mutual fund investments
- Tax harvesting tools
- Wealth goals planner
Top 5 Mutual Fund Schemes in India for 2025
Investors seeking solid long-term returns should consider these top 5 mutual fund schemes in India, selected based on past performance and future potential:
- Quant Small Cap Fund
- 5-Year CAGR: 46.09%
- Category: Small Cap
- Benchmark: Nifty Smallcap 250 TRI
- 5-Year CAGR: 46.09%
- Motilal Oswal Mid Cap Fund
- 5-Year CAGR: 41.67%
- Category: Mid Cap
- Benchmark: Nifty Midcap 150 TRI
- 5-Year CAGR: 41.67%
- Motilal Oswal Large & Mid Cap Fund
- 5-Year CAGR: 33.98%
- Category: Large & Midcap
- Benchmark: Nifty LargeMidcap 250 TRI
- 5-Year CAGR: 33.98%
- Quant Flexi Cap Fund
- 5-Year CAGR: 33.2%
- Category: Flexi Cap
- Benchmark: Nifty 500 TRI
- 5-Year CAGR: 33.2%
- Nippon India Large Cap Fund
- 5-Year CAGR: 26.14%
- Category: Large Cap
- Benchmark: BSE 100 TRI
- 5-Year CAGR: 26.14%
These top 5 mutual fund schemes in India offer a balanced mix of high growth potential and stable returns across different market capitalizations.
Top Performing Mutual Funds SIP in India
Regular investing through SIPs can yield great returns over the long term. Here are the top performing mutual funds SIP in India as of 2025:
- Motilal Oswal Multicap 35 Fund
- Annual Returns: ~15% over 3 years
- Category: Multicap Fund
- Annual Returns: ~15% over 3 years
- HDFC Flexi Cap Fund
- Historical Growth: ₹1 lakh in 1995 grew to ₹11.45 crore in 2025
- Annual Return: 22.23% (30-year average)
- Category: Flexi Cap Fund
- Historical Growth: ₹1 lakh in 1995 grew to ₹11.45 crore in 2025
- Quant Small Cap Fund
- 5-Year CAGR: 46.09%
- Category: Small Cap Fund
- 5-Year CAGR: 46.09%
- Motilal Oswal Mid Cap Fund
- 5-Year CAGR: 41.67%
- Category: Mid Cap
- 5-Year CAGR: 41.67%
- Quant Flexi Cap Fund
- 5-Year CAGR: 33.2%
- Category: Flexi Cap
- 5-Year CAGR: 33.2%
These top performing mutual funds SIP in India are ideal for investors looking to accumulate wealth over time through disciplined monthly investing.
HDFC SIP Plans in India
HDFC Mutual Fund is one of the most trusted fund houses in India. These HDFC SIP plans in India cater to different investor profiles:
- HDFC Flexi Cap Fund
- Diversified investment across all market caps
- Long-term capital growth
- Diversified investment across all market caps
- HDFC Mid-Cap Opportunities Fund
- Focused on mid-sized companies with strong growth potential
- Focused on mid-sized companies with strong growth potential
- HDFC Small Cap Fund
- Suitable for high-risk takers aiming for aggressive growth
- Suitable for high-risk takers aiming for aggressive growth
- HDFC Large Cap Fund
- Emphasizes stability and blue-chip investments
- Emphasizes stability and blue-chip investments
- HDFC Balanced Advantage Fund
- Hybrid approach balancing equity and debt for lower volatility
- Hybrid approach balancing equity and debt for lower volatility
By choosing the right HDFC SIP plans in India, investors can align their portfolios with their goals and risk appetite effectively.
Frequently Asked Questions
Q1: What is an SIP?
An SIP (Systematic Investment Plan) allows you to invest a fixed amount at regular intervals in mutual funds, promoting consistent investing and reducing market timing risks.
Q2: Are the listed personal finance apps free?
Yes, most apps provide free access to basic features. Some offer premium features for a subscription fee.
Q3: How can I choose the best mutual fund scheme?
Choose based on your financial goals, time horizon, and risk appetite. It’s also wise to consult a SEBI-registered financial advisor.
Q4: Can I invest in mutual funds directly through apps?
Yes, apps like Groww, ET Money, and Kuvera offer paperless mutual fund investments with real-time tracking.
Q5: What’s the right time to start an SIP?
The earlier, the better. Starting early leverages the power of compounding over time.
Conclusion
In 2025, digital tools have made it easier than ever to manage your personal finances. Whether you’re tracking your budget or planning your investments, apps like Groww, ET Money, Kuvera, and Money View provide comprehensive solutions.
More importantly, selecting the top 5 mutual fund schemes in India can accelerate your wealth creation. If you’re committed to consistent investing, the top performing mutual funds SIP in India can help you achieve your long-term financial goals. And for those who prefer trusted institutions, HDFC SIP plans in India offer reliable options for every investor profile.
I am a digital marketing executive as well as content writer in the personal finance and investment related blogs. My goal is to provide simple, interesting and reliable information to readers through my articles so that they always stay updated with the world of personal finance and investment.
