Introduction
Digital investment apps have taken a prominent place in the financial world of 2025. In particular, the Groww app has carved out a unique niche for itself with its updated design, ease of use, and reliable services. It provides a simple and clear environment for everyone, from new investors to experienced ones. You can start investing without the need for a bank login, and complete the KYC process in just a few minutes. But how secure is the real goal behind this technology? Let’s find out in detail in this review whether Groww stands up to the new investor based on the quality of its services and real user experiences.
Digital technology has brought about a paradigm shift in investment in India. We can now make investments easily through mobile apps. That is why Groww App has become the most popular app among Indian investors. In this Groww app review, let us explain how this app is setting a new standard for investing in 2025.
Although Groww originally started with mutual fund investments and SIPs, it has now gained attention with its other investment options, available features, and ease of use. The advantage of this app is that it provides all the options you can manage your investments on a single platform – shares, crypto, fixed deposits, stocks, and digital gold, etc.
Excellent user experience: Groww’s low commission rate, easy-to-use interface for easy cash returns.
Extensive investment options: Stocks, Share Market, SIP, Digital Gold, Fixed Deposit, etc. all in one place.
24/7 Customer Support for all your investment needs: This helps you feel comfortable investing.
Those who use the Groww App platform face a trusted platform that can fulfill their investment 100% easily. Let’s take a look at some of the details to know if this is the right choice for you.
What is Groww App?
Groww app is a modern digital investment platform, designed to make the investment process of Indians easier, smoother and more honest. It was founded in 2016, and its founders are Lalit Keshre, Harsh Jain, Neeraj Singh and Ishan Bansal. They started Groww with the vision of bringing simplicity to financial investments, having previously worked in Flipkart and IT companies.
Initially, Groww was limited to investing in mutual funds. Users could simply complete the KYC process and invest directly in various mutual funds. Its user-friendly interface made it easy for even beginners to start investing.
Today, Groww app is the most comprehensive investment platform, offering the following key investment options:
- Mutual Funds – With direct investment options from hundreds of AMCs.
- Stocks – Opportunity to buy and sell Indian stocks directly.
- SIP (Systematic Investment Plan) – A method of investing a fixed amount over a regular period of time.
- US Stocks – Opportunity to invest in US stocks.
- Digital Gold – Invest in gold for short-term purposes
- Futures & Options – For high-level trading.
According to Groww app reviews, the platform is widely praised for its honesty, user-friendly interface, and low fees. As a result, hundreds of millions of people are shaping their financial futures through Groww.
Key Features of Groww app
A platform designed to help modern investors in India make informed, smart decisions. The main attraction of this app is the opportunity to invest directly in zero-commission mutual funds. This reduces the need for intermediaries, reduces costs and helps create more value.
Without it, through the Groww app, users can invest directly in hundreds of stocks available on the NSE and BSE. It comes with instant market information, performance charts and in-depth analysis, enabling more intelligent investment decisions. Another unique option of this app is the opportunity to invest in US stocks. This gives Indian investors an easy way to access the international market.
Recent additions to the Groww app include digital gold purchases and fixed deposit options that are an alternative to banks. These FDs offer higher interest rates and allow for a completely online account opening and depositing process. This provides a more advanced, faster and paperless experience for users.
Moreover, the interface of the Groww app is user-friendly, simple and uncluttered, making it easy to use even for first-time investors. It is very popular among all the users as it makes it easy to track their investments, find new schemes and make instant decisions.
In addition, the KYC process is completely online and there is an instant account opening system with PAN card and bank details. The Groww app does not require any minimum balance to start investing, making it accessible to all classes of people.
How to get started with Groww app?
Using the Groww app is a very easy and straightforward process to simplify financial investing. Even beginners can start investing with a lot of clarity and guidance through this app. If you are interested in investing in mutual funds, stocks, US stocks or digital gold, the Groww app is the right choice for you. In this section, we will explain the complete process of getting started with this app.
First, download the Groww app on your smartphone from the Google Play Store or Apple App Store. Once the app is installed, you can login or sign up using your mobile number. At the account opening stage, you will need to provide your name, email ID, PAN card details and bank account details.
After that, the KYC process begins, which is a Know Your Customer process and can be completed online by providing Aadhaar authentication, selfie upload and other proofs. The modern system of the Groww app completes this entire verification process in a few minutes.
Once the KYC is complete, Groww will open a free Demat account on your behalf. Through this account, you can invest in NSE/BSE stocks and all your investments will remain safe in digital form. The recently popular grow app reviews are a testament to the simplicity, user experience and trust of this process.
The interface of the Groww app is simple, clear and easy to navigate, supporting mutual funds, equity investments, US stocks, fixed deposit options and digital gold investments. Thus, this app provides precise guidance to the user at every step of the way to start investing.
Groww App Fees Brokerage Fee
One of the most common questions that users who search for Groww app review ask is – “What are the charges?” While using the Groww app, the doubt is whether you will spend more or not. To give a clear answer to this, here is a breakdown of the various charges and expenses of the Groww app.
There is no commission charged for investing in mutual funds on the Groww platform. It is a zero-commission app that allows you to invest directly in mutual funds. Thus, you are likely to get higher returns.
When it comes to equity investments, Groww has set the brokerage charges very clearly. For each equity delivery transaction, you only have to pay ₹20 or 0.05% of that amount, whichever is lower. A similar flat brokerage fee is charged for intra-day trading, making it easier to control your costs.
There is no AMC (Annual Maintenance Charges) for Demat account annually. This is an important feature and is very useful for new investors. While many platforms charge this AMC fee, Groww is a user-friendly option by not charging it.
Despite this, there may be some minor charges:
- ₹50 per order if using the call and trade service.
- Demat Re-materialisation Fee – ₹150 + GST.
- Pledge / un pledge charges are also charged separately.
All these charges are very transparent and there are no hidden charges. This is why Groww is a great choice for both newbies and experienced traders.
Pros and Cons
Groww app is a popular platform that allows investors to invest with simplicity. But every app has some advantages and some disadvantages. In this section, we have analyzed the major pros and cons of the app based on the Groww app review.
Groww App Pros
- Simple interface: User-friendly design that is easy to use even for beginners.
- Zero Commission Mutual Funds: There is no commission on Mutual funds, which gives additional income.
- Stock Investment (NSE/BSE): Opportunity to invest directly in the Indian stock market (NSE/BSE).
- US Stocks Investment: Facility to invest in U.S. stocks as well.
- Digital Gold Purchase: Instead of keeping gold in the traditional way, you can invest in digital form.
- Fixed Deposit Options: Get a steady income with highly profitable FD options.
- Account Opening in Minutes: You can open a Demat account in 5 minutes using the paperless KYC process.
- In-app education: New investors are guided through learning modules and blogs.
Groww App Cons
No intraday functionality: There is no intraday trading or derivatives trading in the Groww app.
Lack of call support: There is no immediate telephone support system.
Lack of advanced charting tools: There are no advanced charts required for technical analysis.
IPO service is not unique: There is not much choice or uniqueness in the IPO version.
Trading charges are high: While brokerage is low, U.S. stocks or commodity charges can sometimes be high.
Groww vs Other apps
In 2025, digital investing is gaining popularity in India, with several trading apps offering services with different appeals to investors. The main options are Groww, Zerodha, Upstox and Paytm Money. Each app has its own features, fees and user experience. Thus, it is important to know which app is right for your investment. In this comparison, we have analyzed the key features of each app and explained how it can make your investment easier.
Groww vs Zerodha
The Groww app, known for its simple interface and easy access to investing, is a great option for beginners. Through it, investors can invest in stocks, demat accounts, mutual funds and ETFs. The fact that you can open an account on the Groww app for free with no annual demat account fees is another major attraction.
Zerodha, on the other hand, offers strong technical features, which makes it more suitable for more experienced investors. Zerodha offers great graphics, live charts, and hardcore trading tools through its flagship app called “Kite.” However, Zerodha can be a bit complicated for beginners, as its interface is feature-rich.
Groww vs Upstox
Upstox also offers similar technical features to Zerodha. Through it, investors get advanced analytics, various charts, and tools. These are helpful in following any major trading plans. The advantage of Upstox app is that it offers low brokerage charges, although it may face some customer support issues for new users.
Groww vs Paytm Money
Paytm Money, another app that is affordable in its price range, mainly focuses on mutual fund investments. Investors get the convenience of making investments easily through the Paytm Money app. However, it is inferior to Zerodha or Upstox, which offer more standardized interfaces for stock trading systems.
More experienced investors and those who value technical features can opt for Zerodha or Upstox. However, for newbies who want a simple interface, low fees, and a simple platform for investing, Groww is a great option. Paytm Money is good at enabling mutual fund investments, but lags behind other apps in stock trading options.
Depending on what type of investment you prefer, you can choose one of these.
Is Groww safe?
Is Groww Safe? 2025 Status Analysis the app you choose to invest your money in is not just about convenience – it is directly related to the security of your money. This question is asked by most newcomers to the recently popular Groww app: Can you say Groww app is safe? Through this article, we will learn exactly about the security technology of the Groww app, its approval by regulatory bodies, and user data protection.
Is it SEBI registered? Regulatory and trustThe Groww app is an officially registered company with the Securities and Exchange Board of India (SEBI), and its owner is listed as Nextbillion Technology Private Limited. It is one of the three recognized by SEBI and operates on the lines of NSE and BSE. Therefore, when you invest in Groww, it is a legal and government-regulated financial service. This regulatory foundation provides a foundation of trust for users – which also supports the important keyword ‘Groww SEBI registration’.
The Groww app has adopted multi-level security technologies to protect its users’ data and financial information. Key technologies like bank-level AES 256-bit encryption, two-factor authentication (OTP), biometric login are being used in this. In addition, Groww assures that it will not sell your data to any third party as per its privacy policy. This has also led to a high correlation in the key search terms ‘Groww app security features’ and ‘Groww app safe’. The security of your money and data is yours with Groww.
Also, Groww does not keep the users’ money in their own account, but in a demat account through NSDL/CDSL. This means that your investments are not kept on Groww’s ledger but directly in Indian depositories – another reassuring factor.
In summary, the Groww app provides investors with reliable regulatory backing, encryption-based protection, and transparency, making it one of the safest investment apps even in the current context of 2025.
User Experience and Reviews
When choosing your financial investment app, the real user experience is more important than trust. You might have questions about Groww, such as “How is this app?” and “How are users responding?”. For this, we have checked the feedback directly from trusted review sites like Google Play Store, App Store, and Trustpilot.
The Groww app has a 4.3 rating (based on millions of votes) on the Google Play Store. Most users have praised the app for its beginner-friendly, clutter-free design. According to some Groww user reviews, the simplicity of managing mutual funds and stocks in one place is rewarding.
Groww also has a 4.4 star rating on the App Store, with iPhone users especially appreciating its smooth interface and market data access. While some of the Groww app real experiences from Trustpilot have expressed dissatisfaction with the withdrawal speed, overall user trust is good.
What do people like?
Groww users have mostly praised the convenience of seeing all investment options in one app, the speed of the KYC process, and the 24/7 customer support. Their real-time notifications and alerts have also been successful in providing immediate updates.
What do people complain about?
Some users have complained about occasional server issues or delayed order execution. Additionally, in recent reviews, the lack of “advanced charting tools” and the lack of support for NPS or Sovereign Gold Bonds have been some of the biggest issues.
How securely is data handled?
Data safety also plays a big role in the user experience. Groww has clearly stated its user data encryption, and follows an OTP-based login, bank-level encryption (AES-256), and a Zero Data Sharing Policy. This means that your personal and financial data is stored safely on secure servers – which is a key keyword in the “Groww app secure” strategy.
Popular Investment Options on Groww App
In 2025, Groww App is popular among investors, providing its users with the best, easiest and most reliable options for their investments. Through Groww App, investors can find ways to invest in mutual funds, SIPs, and stocks in a simple and straightforward manner. Groww helps its users to access resources, knowledge, and a path to successful investment through various investment options.
Here are some of the popular investment options on Groww App
Best Mutual Funds on Groww
First-time investors or those with experience in investing mostly opt for mutual funds. You can check out some of the mutual funds that have earned a good reputation on Groww.
Axis Bluechip Fund:The objective is to invest in the strongest bluechip companies. This gives a boost to confidence.
SBI Small Cap Fund:This is a good option for those who want to take the investment to the next level. It helps in investing in small and medium-sized companies and get higher returns in the coming years.
ICICI Prudential Technology Fund:Those who invest in tech companies can choose this. This fund is very popular as IT companies are making new investments with high returns.
HDFC Mid Cap Opportunities Fund:Offers growth-oriented office opportunities by providing investment in mid-sized companies.
Popular SIP Plans
SIP (Systematic Investment Plan) is a plan that helps in investing money continuously. Those who invest through SIP on the Groww app can find complementary options to achieve their investment goals.
HDFC Hybrid Equity Fund – Direct Growth:Those who invest in hybrid equity funds through SIP choose this. It gives exceptional returns and gives more confidence in the investment.
Mirae Asset Emerging Bluechip Fund:Those who want to invest with good difficulty within the limits can choose these SIP options. This fund will eventually be profitable.
ICICI Prudential Equity & Debt Fund:Investors who want to achieve dominance in hedged investments can look at these SIP options.
Best Investment Options Based on Your Financial Goals
At Groww, convenient investment options help you achieve your financial goals. While looking for an investment, consider your goals, your time frame, and your needs.
Short-term Goals:Those who are ready to reach the investment in a short time, can choose “Liquid Funds” or “Debt Funds” through SIP. These can earn you some returns on your money in a short investment period
Long-term Goals:“Equity Funds” or “Index Funds” investment options can help you achieve long-term goals. When the investment period is more than 5 years, you can get more benefits.
How Groww Handles Your Data Securely?
Groww securely stores user information without editing it. Groww uses the most advanced encryption methods available on the internet. Your data is protected by AES-256 encryption, and all information is safe. Groww has implemented an OTP-based login (One-time Password) system.
Groww uses the Internet and SSL certificates to get more benefits by transporting your financial data, supplementary data and findings. This ensures the security of all user information invested with Groww.
Example
By investing in the Groww app, you can easily see the status of your investments at any time. You can easily manage your funds, SIPs or other investment options in the Groww app in the best way in terms of price and security.
Educational Resources
It is natural to be afraid of stumbling blocks when we are taking our first steps into investing. But Groww App has transformed into a highly trusted platform with innovative educational resources that provide complete guidance for beginners. Groww technology provides hundreds of learning resources for free to start your investment journey successfully. Here are some of the major learning options to note: Groww Learning Resources, Groww YouTube Channel, and Groww App for Beginners.
Groww Blog – A Light Path to Your Investment Education
Groww’s official blog page is full of useful information for everyone, from beginner investors to seasoned investors. New articles are published daily on investment strategies, mutual fund explanations, market analysis, and financial discipline. These blogs are written in simple language, so that beginners can easily understand them.
For example, “What is SIP?”, “How to Choose the Right Mutual Fund?” Or hot topics like “Best Investment Plans for Beginners in 2025” are designed to be SEO-friendly.
Groww YouTube Channel Clarity in Visual Media
Groww’s YouTube channel is a highly influential educational medium. This channel regularly provides updates on investing, market factors, newly launched IPOs, and expert tips. Even though all the videos are in English, the clear and experienced tutorial style helps newcomers understand the investment strategies naturally.
The fact that this channel crossed 1M+ subscribers in 2025 is a testament to its popularity. The training videos “Groww App for Beginners”, “How to Start SIP on Groww”, “Best Stocks for Long Term” are very useful for newcomers.
Groww App FAQ – Instant Clear Answers
The FAQ section within the Groww app also offers great benefits. Common doubts for newbies like “Which mutual fund is the most profitable?”, “Which investment has a low DME load?” or “How to do KYC?” are easily answered. This section has good categorization and small sub-categories, so that users can immediately solve their doubts.
Groww App for Beginners – Investing starts with education
Groww’s investment platform is designed to be usable even by beginners. The “Explore” section recommends educational topics directly. Useful information is provided with graphs, return history, and idea cards to help more than just the description of each fund or stock.
Digital Security Support – Learn with Confidence
All Groww’s educational resources run on a secure platform. Your learning process, data, is completely safe by using AES-256 encryption, OTP-based login system, and SSL secured servers.
Conclusion: Choose to learn before investing – with Groww
Groww’s educational resources not only guide newbies, but also build their confidence. Whether you learn through Groww Learning Resources, YouTube Channel, or FAQ, Groww’s educational power will open the door to your financial world in 2025.
Frequently Asked Questions
Is Groww app safe? (Is Groww safe?
Yes, Groww is a SEBI registered and AMFI accredited platform. It uses modern security features like bank-grade encryption, OTP, and 2FA (Two-Factor Authentication) lock. According to Groww app user data is securely protected and many have said that the app can be used without any breach.
How much does Groww charge in 2025?
Opening an account on Groww is free. Equity deliveries are charged a brokerage fee of ₹20 or 0.05%. There is no brokerage for mutual funds. This low-cost policy is described in Groww app investors.
Which mutual funds are popular on Groww app?
Some of the most popular funds on Groww in 2025 include: Axis Bluechip Fund, Parag Parikh Flexi Cap, Mirae Asset Emerging Bluechip etc. The Groww app reviews have praised the past performance and consistency of these funds.
How is the support service of the Groww app?
The Google Play Store and App Store reviews indicate that Groww’s customer support is good. You can get help through support@groww.in or through chat in the “Help & Support” section of the app. According to Groww app the support response is fast.
How is it for newbies, according to Groww app reviews?
Judging by the Groww app it is an easy-to-understand platform for newbies. The app’s UI is simple, and its Learning Resources (Blog, YouTube, FAQs) help newbies.
Final verdict
Groww app is a great option if you want easy, reliable, and open access to investing in the 2025 environment. It is designed specifically for new investors, students, and those interested in investing in mutual funds or stocks for the first time. According to Groww app reviews, its simple user interface and thorough educational resources are the strengths of this platform.
However, those who trade intensively or need offline help — such as senior investors or those who trade heavily based on technical analysis — can consider platforms with more specialized technology like Zerodha or Upstox.
personally recommend Groww to
Those who are ready to start investing
Those who are looking for budget-friendly SIP plans
Those who want to learn through educational resources
It is free to open an account, and “Is Groww safe?” In answer to the question, SEBI registration, AES 256-bit encryption, and OTP security make it more reliable.
Overall Rating: 4.5/5
Groww is a strong candidate for the Best investment app India 2025 list, having been appreciated by most users on the basis of simplicity, security, and education.