How do you invest using Groww? Once your account is open, choose what to invest in (mutual funds, stocks, SIPs, IPOs, or ETFs), research using performance charts and ratings, then place your order and pay via UPI or bank transfer. You can start with as little as ₹100 in mutual funds or ₹10 in fractional shares. This guide covers investing in stocks and mutual funds, setting up SIPs, and managing your portfolio.
(If you have not opened an account yet, start with our guide on how to open a Groww account.)
Investing in stocks and mutual funds
Once your account is ready, explore the available options, including mutual funds, stocks, IPOs, and ETFs.
- Research performance charts, fund ratings, and reviews before investing.
- Start small, with as little as ₹100 in mutual funds or ₹10 in fractional stocks.
- Place your order by selecting “Buy” for stocks or “Invest” for mutual funds.
- Make the payment and track your portfolio in real time.
Can I buy IPOs on Groww? Yes. You can apply for IPOs directly through the app with UPI-based payments.
Understanding SIPs and long-term investing
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals in mutual funds. On Groww, you can set up SIPs from a minimum of ₹100: choose the mutual fund, set the debit date, and authorise payments.
SIPs encourage disciplined investing, reduce risk through rupee-cost averaging, and suit long-term goals like retirement or education. SIP amounts are debited on the date you choose, such as the 1st, 7th, or 15th of the month. For more, see our guide on what SIP investment is and how it works.
Tracking, withdrawing, and managing investments
The Groww app lets you view your portfolio, track performance in real time, and monitor dividends and annualised returns. Tax statements are downloadable for ITR filing, and you can set goals and receive alerts.
How long do withdrawals take? Mutual fund redemptions usually take 1 to 2 days, while stock sale proceeds reflect in your bank account within 1 to 3 days.
Costs and fees
Groww is transparent on fees. Stock brokerage is ₹20 or 0.05% per order, whichever is lower, for both delivery and intraday. Mutual fund investing is commission-free, though fund expense ratios still apply.
Does Groww charge hidden fees? No. All charges are displayed clearly, which is part of what makes it beginner-friendly.
Conclusion
Investing with Groww is straightforward and affordable. From SIPs and stocks to bonds and fixed deposits, it gives beginners the tools to start building a portfolio. Whether you begin with a small SIP or explore equity funds, the app makes it simple to invest and track your progress. For safety details, see our guide on whether Groww is safe.
Frequently asked questions
How much do I need to start investing on Groww? As little as ₹100 for mutual funds or ₹10 for fractional stocks.
What is the brokerage fee on Groww for stock trading? ₹20 or 0.05% per order, whichever is lower, for both delivery and intraday.
Can I cancel a SIP anytime on Groww? Yes. SIPs can be paused or cancelled at any time.
Does Groww offer fixed deposits or bonds? Yes. Groww offers fixed deposits and bonds alongside stocks and mutual funds.
Is Groww better than Upstox for first-time investors? Groww is designed with beginners in mind, with a simple interface, while Upstox suits more advanced traders who want detailed charting and analytics.
- This review is for informational purposes only. TradingCritique does not currently offer broker referrals for India-domiciled brokers and has no affiliate relationship with the broker discussed.
