28 Best Money Earning Apps in India 2024 [Without Investment] (2024)

We download a variety of apps on our Android and iOS smartphones. But did you know that there are many apps that we can use to earn money? In today’s article, you will know about the best money earning apps in India 2023.

Earlier you read articles about the best fantasy apps, refer and earn apps and rummy apps on this website, which you all like very much. I hope you like this article and you can learn about the best money earning apps from here in simple language.

You can earn money by playing games, doing surveys, transferring money or referring. There is some money earning apps in which you do not have to spend any money. You can download these apps from the Play Store. But there are some apps in which we can earn money by playing games like fantasy cricket, ludo, rummy, poker etc. with our money. For this reason, these types of apps cannot be downloaded from the Play Store.

You can also earn money by investing from mutual fund apps, but in that case, you need to have a lot of knowledge. There are some shopping apps, mutual fund apps in which we can earn very good money through referrals.

Best Money Earning Apps in India 2023

If you are a normal person then these apps will be best for you. There are also many more money earning apps that you can use if you want. But as you know I talk about the apps that I use myself. There are many types of best money earning apps in India such as fantasy apps, rummy apps, UPI apps, online money transfer apps, survey apps, mutual fund apps etc.

1. Paytm Money

If you are an investor then you may have heard about this app. Paytm Money is an official app from Paytm. In this app, you can invest your money in stocks, mutual funds, IPOs etc. There are many ways that you can use to make money from the Paytm Money app. Delivery, Intraday trading, and IPO are some of them. But I know most of you are students.

Apart from investing, you can still make money from the Paytm Money app without investing a single rupee. And that’s why I have included Paytm Money at the top of the best money earning apps in India 2023 article.

In this app, you will get a 10% brokerage commission for every new referral who joins through your link and make their first investment. Please be careful that you need to upload your PAN Card and Aadhar details to every investment app. If you don’t want to add the same details in every app then it’s better to refer friends through the OneCode app. There also you will get the same amount or sometimes a much better amount for a referral.

2. Upstox

Upstox is one of the largest discount brokerage companies in India. It helps us to invest money in Stocks, Mutual Funds, ETFs and IPOs easily. If you want to start your investment journey then I feel this will be one of the best money earning apps in India 2023. But you have to remember that this will ask you to pay some charges for annual maintenance. As of now, they are not charging any money for the Demat account opening.

Upstox is one of the best Demat accounts in India 2023. It has another reason that is the referral offer. If you refer a friend then you will earn ₹400 or exciting rewards for a new referral.

Please remember, that you can only withdraw your wallet balance if you have invested money in the Upstox Demat account. It will take up to 48 hours to complete your withdrawal request.

3. SBI Card

Credit Card is the new style secret for a lot of people. Whereas Credit Cards can hell your life. It’s your decision whether you want to get a Credit Card or not. If you are looking for a Credit Card from a trusted Bank then SBI Card comes first in the list.

Every SBI Cardholder can recommend an SBI Card or share their unique referral link with their friends and get a ₹500 e-voucher. The person who joins through the link will also get a ₹500 voucher for their first successful transaction exceeding ₹500. You just need to download the SBI Card app and refer your friends and when they complete their first payment both of you will get the benefits. I think the SBI Card app is a good money earning apps in India.

Also Read: How To Apply SBI Simply Click Credit Card

4. Vision11

This is also an online gaming app. In this app, you can play only fantasy games. Such as fantasy cricket, football, basketball, volleyball, baseball, hockey etc. I feel this is a fantastic new fantasy app. Here you will get to see the lowest entry fee contest compared to any other apps. Recently Great Khali was seen doing a Vision11 ad.

A new user will get a ₹500 SignUp bonus and a ₹100 referral bonus. Apart from this, you can earn a 20% profit commission from your friend’s investment for a lifetime. For example, if your friend adds money to their wallet then you will get 20% of it in your winning balance.

The minimum withdrawal limit is ₹100 in the Paytm wallet and Bank account. It will take up to 24 hours for successful withdrawal. You can not withdraw more than ₹2,00,000 in a day. For Paytm withdrawal, you have to pay 1.99% + 18% GST as a charge. If you choose the instant withdrawal option then you have to pay ₹10 as a transaction charge. In this case, the maximum withdrawal limit is ₹50,000 in a day.

5. 11Challengers

It is also a fantasy gaming app. In this app, you can earn money by playing games and inviting friends. You will get ₹50 as a sign-up bonus.

In this fantasy app, you can play fantasy games like fantasy cricket, football, baseball etc. If you refer friends then you will get a ₹50 bonus and 20% contest commission for a lifetime. This contest commission can be withdrawn to your Paytm wallet or bank account. The minimum withdrawal limit is ₹200.

If you feel you can refer a lot of people through your Telegram Channel, YouTube Channel or Blog then you can join 11Challengers Affiliate and become a promoter.

6. INDmoney

There are a lot of apps from which you can start your investing journey in the Indian stock market. Unfortunately, there are only a few options available that someone can use to invest their money in the US stock market. INDmoney is one of them.

If you want to invest money in US stock market from India then Indmoney is an option. A person can earn ₹500 for one referral from this app. The person to whom you are referring can also get some exciting rewards after joining and creating their Demat account and Trading account. Once your referred friend completes their profile, creates their Demat account and adds money to their wallet, you will get the referral reward. Apart from referrals, you can earn money by investing too.

Also Read: Vested vs INDmoney

7. Meesho

Meesho is India’s no 1 reselling app. Here you can earn money in two ways. If you have a WhatsApp or Telegram group then it helps you to earn some decent income per month from Meesho. There are two types of people who use Meesho. One of those is consumers and the other one is the creators.

You can earn money from the Meesho App by referring and reselling products. If you refer your friends to shop through Meesho then you will earn a sales commission from them. Whatever your referred users will purchase for the next 12 months you will get a certain percentage of commission from it. There are four levels in Meesho referrals Zero Referral, Rising Star, Super Star and Mega Star.

Apart from the Meesho refer and earn, you can also earn money by reselling products. You can order products on behalf of your customers and get a commission from them. Either you can place extra rupees as a commission or the customers will pay you the commission too.

A lot of users especially women use Meesho App to earn a decent amount per month through social media like Instagram, WhatsApp, Facebook etc. Meesho will send your earnings every Tuesday after the return period is over.

8. EarnKaro

EarnKaro is an affiliate marketing website. A lot of users who does not have any YouTube Channel or Website can not able to join affiliate programs like Amazon, Flipkart, Myntra etc. In this case, EarnKaro is a great way to start their journey.

If you also want to earn money through affiliate marketing then EarnKaro will be a great option for you. You can easily join EarnKaro and start making money by just sharing profit links. Here you can make your own profit links too. There is no need to have a YouTube Channel or Website to earn money through EarnKaro. You can make profit links and share links on your social media handles and WhatsApp easily.

Apart from affiliate marketing, you can earn money by referring friends too. In this case, you will earn 10% of their profit commission for a lifetime. This is also a great option to earn money with EarnKaro. The minimum withdrawal limit is Rs 10 from the EarnKaro App.

9. Paytm First Games

This is not a shopping or affiliate marketing app. It is a fantasy app. In this app, you can earn money by playing games and referring friends. This is an official gaming app from Paytm. Sachin Tendulkar is the brand ambassador of this Paytm First Games app.

You can play Poker, Rummy, Fantasy Cricket, Football, Ludo etc on this app. I feel this is the best app for fantasy cricket lovers. It’s because you won’t face any withdrawal issues on this app. If you have a Paytm Full KYC account then you can immediately withdraw your winning balance to your Bank account or Paytm wallet from as low as ₹100.

Paytm First Games comes with up to ₹5,000 referral offers. If you want to earn more deposit cash free then simply refer your friends and earn unlimited deposit cash through referral. You can use this deposit balance to play more games and transfer your winning balance to your bank account.

10. Paytm

I feel Paytm is the best android app for money-earning. You can make money online through the Paytm app in a lot of ways. In this app, you can recharge, pay bills, shop, book tickets online, become a PSA (Paytm Service Agent), start investment and also earn money through cashback and referrals.

To withdraw earnings from several third-party apps you need a Paytm full KYC account. So Paytm is the most important app to earn money online in India. If you have a retail store then you can earn money by recharging other mobile numbers or paying bills on behalf of them and asking them to pay your charge. In this way, you can make a decent income per month.

At the same time, you can earn money through the Paytm app by referring friends. If someone joins Paytm for the first time within 7 days and makes their first UPI payment then you will get ₹100 Cashback. The referral amount will directly be credited to your account.

Apart from this, you can earn money by becoming a Paytm Service Agent. In this case, you will get paid for selling All one QR code, FasTag, recharging other numbers and paying their bills etc.

11. PhonePe

Every smartphone user knows about this app. Nowadays many popular Smartphones come with a pre-installed PhonePe app on the device. You can use this app for online payments like recharge, bill payments, shopping, ticket booking etc.

I feel PhonePe is one of the best money earning app in India. It comes with a lot of interesting features. We can invest our money in PhonePe Liquid Funds, Tax Saving Funds, Digital Gold etc.

The best way that can be used to earn money through the PhonePe app is through referrals. If you have a group of friends who have not signed up on PhonePe yet then you have a golden opportunity to earn some real cash.

For a new referral, you will get ₹100 cashback in your PhonePe wallet. You can use this balance to recharge, bill payments, shopping or even you can transfer the PhonePe wallet balance to your bank account also. Apart from this, you can earn a lot of cashback for UPI money transfers through the PhonePe app.

12. Google Pay

I have always tried to put Google Pay at the top of the list. But recently Google Pay has changed its referral offer. Previously it used to be ₹180 or ₹201 per referral. But now it has changed to ₹150 only. The person who will join Google Pay through your link will also get ₹21 in their Bank account. Once they complete their first UPI payment both of you will get ₹150 and ₹21 cashback in Bank accounts respectively instantly.

The best way to earn money through the Google Pay app is by referring friends. Apart from this, you can use Google Pay merchant offers and cashback offers to earn more money.

If you will refer a new friend then both of you will get ₹21 in your bank account. The money will be credited after the new user’s first UPI transfer. Please remember you can not earn more than ₹9,999 in a financial year from the Google Pay app.

13. Zingoy

It is an affiliate marketing and coupon site. On this website, you can earn money by referring friends, purchasing gift cards, coupons etc. Apart from this, you can earn money from Zingoy by making profit links too.

Zingoy will provide a 10% profit commission for a lifetime. If you have a Telegram Channel or WhatsApp group then you can earn money by making affiliate links too. In this case, you have to copy links from the merchant website and then have to convert them through the Zingoy website. The person who will join through your link will get a ₹25 SignUp bonus too.

14. Zerodha

If you want to start investing money online then I feel the Zerodha application will be a great option for you. In this app, you can earn money by investing your money in SIP, Gold, or Stocks. You can also trade in the commodities and derivatives segment. The best part of Zerodha is that you can invest in delivery equity for Zero Brokerage. But to invest money you need some knowledge and experience.

Apart from this, there is another option that can be used to earn money from the Zerodha App. If you refer your friends to join Zerodha then you will get a 10% commission from your friend’s brokerage paid. Either you can invest this money or you can withdraw it to your bank.

Please remember you will get a ₹100 Groww balance only if your referred friend completes their profile. And if they invest Rs 1000 within 30 days then you will get another Rs 200 in your Groww app. The money will be credited within 24 hours.

15. Google Opinion Rewards

This is one of the most downloaded apps in the Play Store. This app is not only for Android users. Now iPhone users can use Google Opinion Rewards.

Here in this app, you have to answer some questions based on surveys and for that, you will receive Google Play Credits. This balance can be used to purchase things like YouTube Premium, Recharge, Bill payments etc.

16. RozDhan

You can earn money from the RozDhan app in a lot of ways. Such as inviting new friends, playing games, quizzes, watching videos or reading articles in the app.

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If you invite a new friend to join the RozDhan app then you will get ₹12 in your wallet. This is known as RozDhan invite challenge. The minimum withdrawal limit is ₹200. You can withdraw your winning balance and referral balance in your Paytm wallet easily.

17. Taskbucks

If you want to earn free Paytm cash, and free recharge then I feel the Taskbucks app will be a great solution for you. Here you can earn money by completing tasks and referring friends. In this app, you can earn ₹2000 in Treasure Box.

Taskbucks new users will get ₹25 as a signup bonus and ₹25 as a referral bonus. Every day you can earn up to 10000 coins. You can convert your coins into cash too. The minimum withdrawal limit in Taskbucks is ₹30.

18. GameZy

GameZy is a fantasy gaming app. It started as a fantasy cricket app but now it is a complete online gaming app. In this app, you can play games and earn Paytm cash daily.

In this app, you can play rummy, fantasy games, poker, quiz, ludo etc and earn money. After SignUp, you will get a cash bonus which can be used to join the contest. Every new user will get up to ₹12,516 SignUp and Referral Bonus from the GameZy app.

You can withdraw your winnings in your Paytm wallet and Bank account. The minimum withdrawal limit is ₹25. You will get your withdrawal balance within 1 minute. There is no withdrawal or transaction charge. Only a one-time withdrawal every 24 hours is allowed.

19. Real11

I feel Real11 is the easiest fantasy app. In this app, you can play only fantasy cricket and fantasy football. That’s why it comes with a clear interface. Famous Indian opener Gautam Gambhir is the brand ambassador of this fantasy app.

Every new user will get a ₹50 Sign-up bonus and ₹75 referral bonus in the Real11 app. This bonus can be used to play games. You will receive a ₹50 referral bonus and ₹25 XtraCash. This XtraCash can be used to join any contest. The maximum you can use is ₹500 Xtra Cash in a single contest. The more you refer the more you will earn Xtra Cash.

The minimum withdrawal limit in the Real11 app is ₹200. You can withdraw your winning balance into your Paytm wallet and Bank account. If you feel you have a YouTube Channel, Blog or Telegram Channel then you can join Real11 Affiliate and earn real cash by inviting people.

20. Dream11

Dream11 is the most trusted and downloaded fantasy app. In this app, we can play only fantasy games like fantasy cricket, football, volleyball etc. After SignUp, you will receive a ₹100 cash bonus and after a new referral, you will receive a ₹200 cash bonus in your account.

It is very tough to win contests or rank higher in Dream11. Because a lot of users are playing this app. Thus it has become a very competitive fantasy app. But still, when it comes to safety, and security, no fantasy apps come close to the Dream11 app.

In this app, you can earn money by playing fantasy games. The minimum withdrawal limit is ₹100. The withdrawal balance will be credited to your account within 24 hours.

21. Rummy Circle

My11Circle and RummyCircle are the same apps. The only difference is that My11Circle is a fantasy cricket app and Rummy Circle is a Rummy App. If you are keen to play Rummy games then probably this will be the best Rummy app for you.

In this rummy app, you can earn money by referring friends and playing games. If you refer a new friend then you will get ₹551 cashback in your wallet. This balance can be transferred to your Bank account. But remember only one free withdrawal is allowed every month. The minimum withdrawal limit is ₹100.

My11Circle is a fantasy gaming app. In this app, you can play fantasy games like fantasy cricket and football. You can earn money from this app by beating experts, winning mega leaderboard contests and referring friends.

Sourav Ganguly, VVS Laxman, Rashid Khan, Shane Watson, and Ajinkya Rahane are the brand ambassador of this app. If you refer a new friend then you will get ₹51 after their first cash contest. After that, you will receive ₹4 every time they play a cash game of ₹40 or a total of ₹40. The maximum you can earn ₹4 125 times from a single user.

The minimum withdrawal limit in My11Circle is ₹100. You can withdraw money from your Bank or UPI ID. You have to pay a ₹15 withdrawal charge after the first free withdrawal in the same month.

22. Amazon

Amazon is an online shopping app. In this app, we can earn money by sending money to our friends, adding money to Amazon pay balance, recharging, bill payments and referrals.

If you refer a new friend then you will receive ₹21. Apart from this, you can earn money from Amazon by joining an affiliate program. In this case, you need a blog or YouTube channel.

The Amazon Pay balance can be transferred to your Bank account through the Gold vault.

22. MobiKwik

If you are waiting for the best refer and earn apps then I feel MobiKwik will be the best choice for you. I have included MobiKwik in this Money Earning Apps in India 2023 because you will receive cashback immediately after your friends complete the task.

MobiKwik comes with a ₹20 referral offer. If you refer a new friend and if they join through your link and make their first UPI payment then you will receive ₹20 cashback in your wallet.

You can transfer the MobiKwik wallet balance to a Bank account, or use it by recharge, bill payment or ticket bookings etc.

23. Royal11

If you have read about Vision11, 11Challengers then I feel you don’t need to read this again. It is also a similar kind of money earning apps in India 2023. Here you can earn money by playing fantasy games and by referring friends.

If you refer a new friend then you will get ₹300 cashback and a 25% profit commission. This commission will directly be credited to your winning balance. It means you can withdraw it to your bank account from as low as ₹100.

24. mcent

This is an Android app. Its name is mcent browser. If you SignUp on to this mcent browser money earning apps then you will receive a ₹100 bonus. For a new referral on mcent browser, you will receive a 25000 bonus.

You can use this app to get free recharge, data balance, talk time etc. You can earn more points by browsing through the mcent browser.

25. Dhani App

Dhani is an online loan app. In this app, you can take loans, credit etc. Dhani has recently improved its app interface. You can earn money from this app by referring friends.

If you refer a new friend to join the Dhani money earning app then you will get ₹100 cashback. This cashback can be used to recharge, bill payments etc.

26. Shopsy

This is an official application from Flipkart. With the help of this app, you can earn money by referring friends and shopping through the Flipkart app. I feel Shopsy is a similar kind of app to Flipkart. You can order products from the Flipkart app and for this ShopSy will pay you some commission. You can order products on behalf of your customers or send them links by adding your profit margin to them.

ShopSy and Meesho are kind of Dropshipping apps. Indian women use these apps to make money. If you are looking for some genuine earning options then I think ShopSy could the solution for you.

27. OneCode

OneCode and EarnKaro are quite similar kinds of apps. You can earn money with this app by sharing product links or inviting friends. If you invite a friend to join OneCode then you will earn a 10% commission for a lifetime. And if you share any app link with friends then you can earn the mentioned commission if they follow the terms and conditions.

Please remember, that you need to complete the training session first then you can share any app or profit links with friends. They will pay you in your Paytm Wallet or Bank account. Apart from referral, you can complete training and refer products like loan apps, bank apps, credit cards etc with your friends and get a commission or a flat fixed amount in your account. After some time you can withdraw it to your Bank account also.

FAQ: Best Money Earning Apps

How To Earn Money Online Without Investment?

When there was no internet there were very few ways to earn money. Thanks to the internet there are many ways in which we can earn money online. I have written many articles about making money online before. The options to make money online are a lot. But the problems come when people are looking for ways to make money online without investment.

Don’t worry, today I will share a few ideas that can be beneficial for everyone. If you are looking for work from home jobs for housewives, work from home jobs for female or retired people then also these options can be beneficial for you.

Look, money earning apps in India are a good way to make some extra income for a while. But you can’t make money from it for a longer period. Instead of trying online money earning apps in India, I will recommend you to learn a skill online. If you learn a skill then that skill will help you to make money forever.

Let’s take my example. Back in 2017-2018, I was only looking for new money earning apps in India without investment. There was a time when I made ₹3000 to ₹4000 a month. But after a while, I understood I couldn’t make it big and run it for a longer period. Thus I started learning skills like YouTube, Content Writing, Blogging etc. Now the results are in front of you.

To start your content writing, blogging or YouTube career you don’t need any investment or a lot of investment. But time is something that is very important. So, my suggestion would be instead of trying the best online money earning apps in India, try to learn a skill and grow in your life.

Final Thoughts

I know this article is getting too long. First of all, I apologize for this. In this article, I talked about the best money earning apps in India without investment. If you are someone who wants to make some extra income while studying or using your Smartphone only then the above mentioned online earning apps could be the best option for you.

In the above table, I included money earning apps from every sectors like fantasy gaming, investing apps, money transfer apps, gaming apps, reselling apps etc. It is up to you which type of money earning apps you are going to use. If you have any questions then feel free to comment below. Thanks for reading this article, see you soon.