💼 ET Money App Full Guide 2025 – Save, Invest & Manage Finances Easily
🌟 1. What is ET Money?
ET Money is one of India’s most trusted personal finance and investment apps, developed by Times Internet Limited — the digital arm of The Economic Times Group.
It helps you track expenses, save money, invest smartly, and even buy insurance and retirement plans — all in one place.
With 10+ million users, it’s designed for beginners who want to understand money better and for professionals who want full financial control.
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| Best saving apps India |
Learn how to use ET Money App for smart investing, savings, mutual funds, insurance, and tax planning. Step-by-step full guide with pros, cons, and examples (2025).
Tagline: “Manage all your money in one app – from savings to investments.”
💡 2. Why ET Money is So Popular in India
People prefer ET Money because it’s not just an app — it’s a complete financial assistant.
Here’s what it can do:
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Track your daily expenses automatically
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Help you invest in 5000+ mutual funds (direct plans)
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Offer tax-saving options (ELSS, NPS)
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Let you buy health and term insurance
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Guide you with smart AI recommendations
It saves you time, gives better returns (no middlemen), and ensures your money is always working for you.
🧠 3. Key Features of ET Money
Let’s explore the main features one by one in simple words 👇
🔹 1. Mutual Fund Investment (Direct Plans)
ET Money offers zero-commission mutual funds, meaning no hidden agent charges — you get higher returns.
How it helps:
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Invest in 5,000+ mutual funds
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Track fund performance in real time
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Start SIP with just ₹100
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Get smart fund suggestions based on your goals
Example:
If you invest ₹5,000/month in a regular mutual fund, you might lose ₹60,000 in fees over 10 years.
In ET Money’s direct plan, you get to keep that extra ₹60,000 as profit.
🔹 2. Expense Tracking
ET Money automatically reads your SMS and UPI messages to track your spending.
It divides your expenses into categories like:
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Food 🍔
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Shopping 🛍️
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Travel ✈️
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Bills 💡
This helps you understand where your money goes and plan better.
Example:
If you spent ₹1,500 more than last month on food, ET Money will alert you to reduce it next month.
🔹 3. Goal-Based Savings
You can set financial goals such as:
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Buying a new phone
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Going on vacation
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Child’s education
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Marriage fund
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Emergency savings
ET Money calculates how much to invest every month to reach your goal easily.
🔹 4. Insurance Section
ET Money allows you to buy:
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🩺 Health Insurance
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💀 Term Life Insurance
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🚗 Vehicle Insurance
It compares multiple insurance companies (HDFC, ICICI, Tata AIA, etc.) and shows you the best plan at the lowest premium.
Bonus: Instant paperless policy download.
🔹 5. National Pension System (NPS)
ET Money helps you invest in the NPS scheme online.
Benefits:
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Build retirement wealth 🏦
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Save tax up to ₹50,000 extra under Section 80CCD(1B)
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Track pension account from the app
🔹 6. Smart Recommendation Engine
ET Money uses AI to recommend:
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Best-performing funds
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Low-risk or high-return options
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Suitable plans based on your income & age
This helps beginners make smart financial decisions without hiring an advisor.
🔹 7. Digital Gold
You can buy 24K pure digital gold in partnership with MMTC-PAMP.
Buy gold for ₹10 or ₹10,000 — no limits.
You can sell it anytime or convert it into physical gold later.
⚙️ 4. How to Use ET Money – Step-by-Step Guide
Step 1: Download & Register
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Go to Google Play Store or Apple App Store.
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Search for ET Money.
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Install and open the app.
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Register with your mobile number → Verify with OTP.
Step 2: Complete KYC
To invest, you need to complete KYC verification.
Add your PAN card and Aadhaar number → Verify online.
It takes only 5–10 minutes.
Step 3: Link Bank Account
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Add your bank account for auto debit (SIP) and withdrawals.
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You can also link UPI ID for faster transactions.
Step 4: Choose Your Investment Type
You can choose any:
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Mutual Fund
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NPS
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Gold
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Insurance
Example:
Click “Mutual Funds” → Choose category → See performance chart → Tap “Invest”.
Step 5: Start SIP or One-Time Investment
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Set SIP amount (₹100, ₹500, or ₹1000 per month).
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Choose SIP date → Confirm.
That’s it! ET Money will automatically invest for you every month.
Step 6: Track & Manage Investments
ET Money dashboard shows:
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Total invested amount
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Current returns (profit/loss)
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Top performing funds
You can pause or stop SIP anytime.
📈 5. Example Case Study
Ravi’s Story:
Ravi earns ₹30,000/month. He wants to save for a bike (₹60,000) within 1 year.
Using ET Money:
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Creates “Bike Goal”
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Invests ₹5,000/month in a Short-Term Mutual Fund SIP
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After 12 months → Fund value = ₹62,500
✅ Goal achieved + ₹2,500 extra return.
That’s the power of goal-based investing in ET Money.
🔒 6. Is ET Money Safe?
Yes, 100% Safe ✅
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Owned by The Economic Times Group.
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Uses 256-bit encryption to protect user data.
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Your money goes directly to SEBI-registered AMCs (Mutual Fund companies).
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You can withdraw your money anytime.
ET Money doesn’t store your funds — it’s just a secure gateway between you and your bank.
🧮 7. Pros and Cons of ET Money
| 👍 Pros | 👎 Cons |
|---|---|
| 0% commission direct mutual funds | No stock market investment option |
| Track expenses automatically | Requires internet access |
| Smart & simple design | Limited customer care availability |
| Goal-based investing | Gold feature limited |
| Insurance + NPS + SIP in one app | Can’t pay bills or do UPI transfers |
💸 8. ET Money vs Other Apps (Groww, Paytm Money)
| Feature | ET Money | Groww | Paytm Money |
|---|---|---|---|
| Mutual Funds | ✅ Direct | ✅ Direct | ✅ Direct |
| Stock Trading | ❌ | ✅ | ✅ |
| Expense Tracking | ✅ | ❌ | ❌ |
| NPS | ✅ | ✅ | ✅ |
| Insurance | ✅ | ❌ | ✅ |
| Gold | ✅ | ✅ | ✅ |
| Best For | Beginners, long-term planners | Stock investors | Cashback lovers |
Verdict:
👉 ET Money is best for savings, SIPs, insurance, and expense management.
Groww is for stock traders.
Paytm Money is for casual investors.
🧭 9. Tax Saving With ET Money
ET Money helps you save income tax through:
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ELSS Mutual Funds – Save ₹1.5 lakh under Section 80C
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NPS – Save extra ₹50,000
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Insurance – Additional deductions for term & health policies
Example:
If your income = ₹6 lakh, you can save ₹20,000–₹30,000 in taxes yearly using ET Money’s suggestions.
🧰 10. Security Tips for ET Money Users
✔️ Always enable app lock (PIN/fingerprint)
✔️ Do not share your PAN/Aadhaar screenshot with anyone
✔️ Regularly update the app
✔️ Use UPI only within ET Money
✔️ Don’t invest in unknown schemes outside the app
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📊 11. ET Money – App Overview Table
| Feature | Details |
|---|---|
| App Name | ET Money |
| Developer | Times Internet (The Economic Times Group) |
| Category | Personal Finance & Investment |
| Downloads | 10M+ |
| Rating | 4.6★ |
| Services | Mutual Funds, NPS, Insurance, Gold |
| Platform | Android & iOS |
| Commission | 0% (Direct Plans) |
| Languages | English, Hindi |
| Security | 256-bit SSL Encryption |
💬 12. Common FAQs
Q1. Is ET Money free?
✅ Yes, it’s 100% free. No extra or hidden fees.
Q2. Can I withdraw my money anytime?
✅ Yes, you can redeem mutual funds directly into your bank.
Q3. Is it safe to link my bank account?
✅ Yes, transactions use UPI and bank encryption.
Q4. Can I invest small amounts?
✅ Yes, start SIPs from ₹100 per month.
Q5. Does ET Money give advice?
✅ It gives AI-based recommendations, not human advice.
💥 13. Final Verdict
ET Money is a powerful and easy-to-use finance app that helps Indians save, invest, and manage money smarter.
Whether you’re a student, salaried employee, or homemaker — ET Money fits everyone’s financial goals.
It’s secure, free, and feature-rich — a must-have tool for every smart saver in 2025.
✅ Manage all your investments in one place
✅ Save more with direct mutual funds
✅ Track expenses automatically
✅ Plan for your dreams easily
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