How to Invest Using Groww App in 2026: Full Beginner Guide

Groww is one of the most beginner-friendly investment platforms in India. Whether you want to invest in mutual funds, stocks, SIPs, or even IPOs, Groww makes the process simple for first-time investors in 2026. This Groww investment guide 2026 will help you open your account, how start investing with Groww, and manage your portfolio effectively.

How to open and set up a Groww account in 2026

• Groww was founded in 2016 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal. By 2026, the platform will have more than one crore active investors.
• To get started, download the Groww app from Google Play or the App Store, or visit the official website. Sign up with your mobile number and email, then verify with an OTP.
• Complete the KYC process by submitting your PAN card, Aadhaar, and bank account details.
• Once verified, link your bank account, open your free Demat account, and secure your profile with two-factor authentication.
• Can you open a Groww Demat account without PAN? No, a PAN card is mandatory for KYC and Demat account opening as per SEBI rules.
• How long does it take to open a Groww account? The registration takes about 5 to 10 minutes. KYC verification is completed within 1 to 2 working days.

Step-by-Step Guide to Investing in Stocks and Mutual Funds on Groww

• Once your account is ready, explore the wide range of investment options available, including mutual funds, stocks, IPOs, and ETFs.
• Research performance charts, fund ratings, and analyst reviews before investing.
• You can start small with as little as ₹100 in mutual funds or ₹10 in fractional stock investments.
• Place your order by selecting “Buy” for stocks or “Invest” for mutual funds, make the payment, and track your portfolio in real time.
• Is it possible to buy IPOs on Groww now? Yes, Groww allows you to apply for IPOs directly through the app with UPI-based payments.
• How much do you need to start investing on Groww in 2026? You can start investing with as little as ₹100 for mutual funds or ₹10 for fractional stock investments.

Understanding SIPs and Long-Term Investments for Beginners

• A Systematic Investment Plan SIP allows you to invest a fixed amount at regular intervals in mutual funds.
• On Groww, you can set up SIPs with a minimum of ₹100. You just need to choose the mutual fund, set the debit date, and authorize payments.
• SIPs encourage disciplined investing, reduce risk through rupee-cost averaging, and are ideal for long-term financial goals such as retirement or education.
• When does SIP get debited from your bank on Groww? SIP amounts are debited on the date you choose, such as the 1st, 7th, or 15th of the month.

Read more: What is SIP investment and how does it works

Groww App features: Tracking, Withdrawing, and Managing Investments

• Groww app is clean and easy to use. You can view your portfolio, track performance in real time, and monitor dividends and annualized returns.
• Withdrawals are seamless, and tax statements are easily downloadable for ITR filing. The app also allows you to set goals, receive alerts, and access customer support 24/7.
• How long does it take to withdraw funds from Groww? Mutual fund redemptions usually take 1 to 2 days, while stock sale proceeds reflect in your bank account within 1 to 3 days.

Costs, safety, and broker comparison

Groww is transparent when it comes to fees. The brokerage on stock trades is ₹20 or 0.05% of the order, whichever is lower. Mutual fund investments are commission-free, though expense ratios apply.

• What is the brokerage fee on Groww for stock trading? Groww charges ₹20 or 0.05 % per trade, whichever is lower, for both delivery and intraday trades.
• Does Groww charge hidden fees? No, Groww does not have hidden fees. All charges are displayed clearly, making it beginner-friendly.
• Is Groww safe for beginners in 2026? Yes, Groww is SEBI-registered and uses bank-grade security. It is trusted by over one crore investors across India.
• Is Groww better than Upstox for first-time investors? Groww for beginners 2026 is designed with beginners in mind, offering an intuitive interface and simple tools. Upstox is better suited for advanced traders who require detailed charting and analytics.
• Does Groww offer fixed deposits or bonds in 2026? Yes, Groww offers both fixed deposits and bonds, with competitive interest rates starting at 6.5% per annum.
• Can NRIs use Groww in 2026? Yes, NRIs can invest through Groww using NRE or NRO accounts, subject to FEMA compliance.

Conclusion

Investing with Groww in 2026 is easy, safe, and affordable. From SIPs to stocks, and even bonds and FDs, Groww offers beginners all the tools needed to start their wealth-building journey. Whether you are starting with a small SIP or exploring equity funds for growth, Groww provides an intuitive platform to help you reach your goals.