The digital finance industry in India is about to change in a big way. Finance apps are changing how Indians save, invest, and spend because more people are using smartphones, UPI, and wanting to be financially independent. By 2027, a few powerful finance apps are likely to take over the Indian market. These apps will have AI-driven features, seamless user experiences, and strong security.
Based on market trends, new ideas, and user demand, this blog will look at the 10 best finance apps that are likely to lead the Indian fintech ecosystem by 2027.
Why Finance Apps are the Future of Personal Money Management?
- India has more than 700 million smartphone users and the number is growing.
- In May 2025, UPI transactions alone were worth more than ₹18 lakh crore.
- Younger people, like Millennials and Gen Z, like using apps for financial tasks more than going to the bank.
- The government is pushing for Digital India and the inclusion of fintech.
So, what does this mean?
There is a huge need for smart finance apps that can do everything from budgeting, investing, tracking credit, loans, and insurance all in one place.
Top 10 Finance Apps That Will Lead by 2027 in India
1. Groww – Investing Made Simple
Stocks, mutual funds, SIP, and gold are all types of investments.
Target Users: Millennials, New Investors, and Passive Investors
30 million or more people use it every month (2025).
Why It Will Win:
- Even first-time investors can use the UI easily.
- Offers mutual funds with no commission.
- New features include investing in U.S. stocks and making fixed deposits.
A lot of emphasis on teaching people about money through blogs and YouTube.
2. Cred – For Credit Card Payments and Smart Spending
Category: Paying off credit card bills, getting rewards, and getting loans
People who use credit cards and want rewards are the target users.
14 million+ people use it every month.
Why It Will Rule:
- It pays you to pay your credit card bill.
- Alerts for hidden fees, smart reminders, and a free credit score.
- Provides personal loans and the option to buy now and pay later (BNPL).
AI-based tracking of spending and credit scores.
3. PhonePe – More Than Just UPI
UPI, Insurance, Mutual Funds, and Gold are all types of things.
Target Users: Cities in Tier 2 and Tier 3
Monthly Active Users: More than 500 million
Why It Will Win:
- Strong support for regional languages (more than 10).
- Provides insurance, investments, and bill payments.
- Digital gold and IPO investments are becoming more and more popular.
One of India’s most reliable digital wallets.
4. Paytm Money – All-in-One Investment Platform
Type: NPS, mutual funds, and stock trading
Target Users: Investors and traders who want to make money over the long term
15 million or more people use it every month.
Why It Will Win:
- Provides charts and insights for low-cost stock trading.
- Part of the Paytm ecosystem for saving and paying bills.
Smart tools for planning your taxes and investing based on your goals.
5. ETMONEY – Smart Personal Finance Manager
Category: Keeping track of expenses, mutual funds, Insurance
Target Users: People who work for a salary and people who plan their budgets
10 million or more people use it every month.
Why It Will Be the Best:
- Auto keeps track of expenses through SMS and bank integration.
- Makes investments that save you money on taxes (ELSS) easier.
- Insurance suggestions that are tailored to your lifestyle.
AI-powered portfolio insights and personalised suggestions.
6. Jupiter – Neo-Banking for Gen Z
Digital banking, salary accounts, and investments are all in this category.
Target Users: Young people who know a lot about technology and freelancers
5 million+ people use it every month.
Why It Will Win:
- A digital savings account with no fees and no hassle.
- Automatic sorting of expenses.
- Jars for saving money with built-in goals.
Now you can invest in mutual funds and smart FD.
7. INDmoney – Everything Finance in One App
Category: US stocks, mutual funds, loans, and keeping track of credit
Target Users: Investors from other countries and people with high incomes
Users per month: over 6 million
Why It Will Win:
- A one-of-a-kind dashboard for stocks, loans, insurance, and wealth.
- You can see your credit score in real time and get detailed reports.
- Investing in U.S. stocks without paying any fees.
Smart reminders for bills, EMIs, and renewals.
8. Zerodha – The Trader’s First Choice
Category: Trading stocks, commodities, and derivatives
People who use it: active traders and equity investors
10 million or more people use it every month.
Why It Will Win:
- The stock broker in India with the most business.
- Charges are clear and flat at ₹20 per order.
- Gives you Kite, Coin, and Console for a complete trading ecosystem.
Best for both short-term and long-term trading.
9. BharatPe – Merchant-Friendly Financial App
Merchant payments, lending, and UPI are all in this category.
Target Users: Small business owners and shopkeepers
12 million or more people use it every month.
Why It Will Rule:
- You can easily pay with UPI from any app using a QR code.
- Small businesses can get loans of up to ₹7 lakh with very little paperwork.
- BharatSwipe POS lets you pay with cards.
Growing into help with investments and credit scores.
10. Fi Money – Smart Banking for Smart Users
Digital banking, budgeting, and rewards are all in this category.
Target Audience: Young professionals and people who live in cities
2 million+ people use it every month.
Why It Will Win:
- AI-powered money tracking, insights, and savings goals.
- The Fi Coins system encourages people to save by giving them rewards.
- Strong brand among city-dwelling workers.
Tax tracking, investing in mutual funds, and smart FD.
Key Features to Look for in a Finance App in 2027
| Feature | Why It Matters |
|---|---|
| UPI & bank integration | For seamless payments and fund transfers |
| Expense tracking & alerts | Helps in budget planning |
| Investment options | One-stop solution for stocks & SIP |
| Credit score monitoring | Track & improve loan eligibility |
| Secure login (OTP/biometric) | Data protection and secure access |
Future Trends That Will Shape Finance Apps in India
- AI and Customisation
AI will help finance apps give personalised investment advice, find fraud, and automate savings. - Support for voice and everyday language
Apps should let you give voice commands in regional languages, which will help people in Tier 2 and Tier 3 cities. - Making money into a game
Apps like Fi and Jupiter already use rewards and streaks to encourage people to save. This trend will only get bigger. - BNPL and Embedded Finance
Buy now, pay later will be added to investment platforms, making it easier to get money when you need it. - Finance across borders
Investing in US stocks, sending money around the world, and NRI financial services will all become common.
Final Thoughts: The Rise of Super-Finance Apps in India
By 2027, finance apps in India will be more than just digital tools; they’ll be like having a financial advisor, investment manager, and personal accountant in your pocket. There is an app for you, whether you are just starting to invest or running a business.