1. Kuvera
Kuvera (CRED) · Bengaluru · Personal finance & investing apps · 4.6/5
Free direct mutual fund investing with family accounts.
Free
Free plan available
Personal finance & investing apps · Alternatives
Best Niyo alternatives in India (2026)
Niyo is a personal finance & investing apps product from Niyo Solutions, Bengaluru, priced at Free with a free plan. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 20 have a free plan, 20 are built in India.
Quick answer
The closest alternatives to Niyo are Kuvera (Free), Shoonya by Finvasia (Free), BankBazaar (Free), CreditMantri (Free) and Policybazaar (Free). Kuvera is the top-ranked option with a free plan.
Niyo alternatives compared
Ranked by how closely each product matches Niyo's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Niyo (current) | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | — |
| 1 | Kuvera | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 2 |  Shoonya by Finvasia | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 3 |  BankBazaar | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 4 |  CreditMantri | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 5 |  Policybazaar | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 6 |  CRED | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 7 |  Jar | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  OneScore | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 9 |  Money View | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 10 |  Ditto Insurance | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 11 |  Bajaj Finserv App | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 12 |  Slice | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 13 |  Fi Money | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 14 |  PhonePe Wealth | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 15 |  Uni Cards | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 16 |  Angel One | Free plan | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 17 |  Coin by Zerodha | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  Zerodha Kite | Free plan | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 19 |  Wint Wealth | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  Grip Invest | Free | Yes | Web, Android, iOS | Yes | 4.3/5 |
Top 10 Niyo alternatives in detail
2. Shoonya by Finvasia
Finvasia · Mohali · Personal finance & investing apps · 4.6/5
Zero-brokerage trading platform.
Free
Free plan available
3. BankBazaar
BankBazaar · Chennai · Personal finance & investing apps · 4.6/5
Compare loans, cards and insurance online.
Free
Free plan available
4. CreditMantri
CreditMantri · Chennai · Personal finance & investing apps · 4.5/5
Credit health and loan matching.
Free
Free plan available
5. Policybazaar
PB Fintech · Gurugram · Personal finance & investing apps · 4.5/5
Insurance comparison and purchase platform.
Free
Free plan available
6. CRED
CRED · Bengaluru · Personal finance & investing apps · 4.5/5
Credit card bill payments with rewards and UPI.
Free
Free plan available
7. Jar
Jar · Bengaluru · Personal finance & investing apps · 4.5/5
Daily savings in digital gold from spare change.
Free
Free plan available
8. OneScore
OneScore (FPL Technologies) · Pune · Personal finance & investing apps · 4.5/5
Free credit score monitoring and improvement insights.
Free
Free plan available
9. Money View
Money View · Bengaluru · Personal finance & investing apps · 4.5/5
Personal loans and expense manager.
Free
Free plan available
10. Ditto Insurance
Ditto (Finshots) · Bengaluru · Personal finance & investing apps · 4.4/5
Insurance advisory with no spam promise.
Free
Free plan available
Niyo alternatives by what you need
Free Niyo alternatives
Indian alternatives to Niyo
How to choose a Niyo alternative
- Check regulation first: broking apps must be SEBI-registered, MF platforms should be AMFI-registered distributors or RIAs, and lending apps must partner with an RBI-regulated lender.
- Direct mutual-fund plans save roughly 1% a year versus regular plans — a platform that offers only regular plans is costing you.
- Read the charges page, not the ad: brokerage, AMC, DP charges and platform fees add up.
Niyo alternatives — FAQs
What is the best alternative to Niyo in 2026?+
The closest matches to Niyo on App Advisor are Kuvera (Free), Shoonya by Finvasia (Free), BankBazaar (Free). They are ranked by how closely their category, pricing model, platforms and target business size match Niyo, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Niyo?+
Yes. 20 of the 20 alternatives listed have a free plan or are free: Kuvera (Free), Shoonya by Finvasia (Free), BankBazaar (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
Is there an Indian alternative to Niyo?+
Yes. 20 alternatives are built in India, including Kuvera (Free), Shoonya by Finvasia (Free), BankBazaar (Free). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Niyo vs Kuvera: which is better?+
Kuvera is the closest match to Niyo in our catalogue. Compare them side by side before you book a demo.
How were these Niyo alternatives chosen?+
Every product listed sits in personal finance & investing apps or a category Niyo also covers, and Niyo Solutions's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
Not sure which Niyo alternative fits?
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