Multipl Wealth Management Pvt. Ltd.
SEBI Registered Investment Adviser
Number of complaints received from all sources -
December 2025
Reasons for pendency : NA
Multipl Wealth Management Pvt. Ltd.
SEBI Registered Investment Adviser
Number of complaints received from all sources -
December 2025
Reasons for pendency : NA
Multipl Wealth Management Pvt. Ltd.
SEBI Registered Investment Adviser
Number of complaints received from all sources -
December 2025
Reasons for pendency : NA
Make your spending money earn
Get 7%* returns on your money + brand discounts when you spend. SEBI-regulated. Withdraw anytime.
SEBI/AMFI
registered
5 lakh+
trusted users
*based on historical returns of liquid funds
₹1,500 saved with
Everyday commute
₹240 saved with
Late night food orders
₹2,200 saved with
Emergency travel plans
₹350 saved with
Monthly groceries
Why multipl is different?
Your Money Grows
Invest in SEBI regulated mutual funds at ~7%* returns
Your Money Grows
Invest in SEBI regulated mutual funds at ~7%* returns
Your Money Grows
Invest in SEBI regulated mutual funds at ~7%* returns
Get Brand Discounts
Choose from our 100+ partner brands and get discounts upto 20%
Get Brand Discounts
Choose from our 100+ partner brands and get discounts upto 20%
Get Brand Discounts
Choose from our 100+ partner brands and get discounts upto 20%
Save better on every spend
Lower bills today, smarter planning for bigger spends tomorrow.
Save better on every spend
Lower bills today, smarter planning for bigger spends tomorrow.
Save better on every spend
Lower bills today, smarter planning for bigger spends tomorrow.
*based on historical returns of liquid funds
users trust us
users trust us
users trust us
funds managed
funds managed
funds managed
brand partnerships
brand partnerships
brand partnerships
2.5% vs ~7%*
Where Your Spending Money Lives Matters
The money you keep aside for Swiggy, flights, EMIs, shopping usually sits in a low-yield bank account earning 2–3.5% per year. In Multipl, the same money can earn 7%* in liquid mutual funds until the day you actually spend it.
Idle without growth
No brand discounts
Loses to inflation
No expert guidance for growth
2.5%
from Savings Bank Account
vs
from Liquid Mutual Funds
7%*
More than 2x return vs banks
+
100+ brand discounts when you spend with spending account
Beats inflation with profit
Expert picked mutual funds from registered advisors
from Liquid Mutual Funds
7%
2.5%
from Savings Bank Account
*based on historical returns of liquid funds
Make your spending money earn.
Earn while your money waits to be spent.
A Higher-Yield Spending Account that gives you up to ~7%* returns plus brand discounts on every spend.
SEBI registered
investment advisors
5 lakh+
trusted users
*based on historical market returns of liquid funds
₹1,500 saved with
Everyday commute
₹240 saved with
Late night food orders
Make your spending money earn.
Earn while your money waits to be spent.
A Higher-Yield Spending Account that gives you up to ~7%* returns plus brand discounts on every spend.
SEBI registered
investment advisors
5 lakh+
trusted users
*based on historical market returns of liquid funds
₹1,500 saved with
Everyday commute
₹240 saved with
Late night food orders
How Your Higher-Yield Spending Account Works
Turn your spending goals into growth plans. Here’s how we help you make every rupee work smarter.
How Your Higher-Yield Spending Account Works
Turn your spending goals into growth plans. Here’s how we help you make every rupee work smarter.
How Your Higher-Yield Spending Account Works
Turn your spending goals into growth plans.Here’s how we help you make every rupee work smarter.
01
Move your spending money
Decide how much you usually spend in a month and move that from your bank to Multipl.
01
Move your spending money
Decide how much you usually spend in a month and move that from your bank to Multipl.
01
Move your spending money
Decide how much you usually spend in a month and move that from your bank to Multipl.
02
We invest in liquid mutual funds
Your balance is deployed into expert-selected, low-risk liquid mutual funds instead of lying idle in a bank.
02
We invest in liquid mutual funds
Your balance is deployed into expert-selected, low-risk liquid mutual funds instead of lying idle in a bank.
02
We invest in liquid mutual funds
Your balance is deployed into expert-selected, low-risk liquid mutual funds instead of lying idle in a bank.
03
Spend as usual
Shop with partner brands and get discounts from 2%-20%. Your money is always spend-ready.
03
Spend as usual
Shop with partner brands and get discounts from 2%-20%. Your money is always spend-ready.
03
Spend as usual
Shop with partner brands and get discounts from 2%-20%. Your money is always spend-ready.
04
Earn extra discounts on top
On 70+ partners, you get 2–10% brand discounts on spends you make anyway.
04
Earn extra discounts on top
On 70+ partners, you get 2–10% brand discounts on spends you make anyway.
04
Earn extra discounts on top
On 70+ partners, you get 2–10% brand discounts on spends you make anyway.
Powered By Liquid Mutual Funds – Not Just A Wallet
Powered By Liquid Mutual Funds – Not Just A Wallet
Your Spending Account uses liquid mutual funds under the hood – a low-risk category designed for short-term money.
Your Spending Account uses liquid mutual funds under the hood – a low-risk category designed for short-term money.
Message from our Co-Founder
Paddy Raghavan
Co-founder, CEO
01.
What are Liquid Mutual Funds?
Your spending account uses liquid mutual funds under the hood - a low-risk category designed for short term money.
Liquid mutual funds invest in short-term money market instruments with no lock-in.
02.
Why better than bank savings / many FDs?
03.
Can I withdraw instantly?
04.
What about taxes?
No investment is zero-risk. Liquid mutual funds are designed to park short-term money with minimal volatility and high liquidity. Our SEBI-registered advisory team carefully curates a small list of high-quality liquid funds suitable for a Spending Account.
01.
What are Liquid Mutual Funds?
Your spending account uses liquid mutual funds under the hood - a low-risk category designed for short term money.
Liquid mutual funds invest in short-term money market instruments with no lock-in.
02.
Why better than bank savings / many FDs?
03.
Can I withdraw instantly?
04.
What about taxes?
No investment is zero-risk. Liquid mutual funds are designed to park short-term money with minimal volatility and high liquidity. Our SEBI-registered advisory team carefully curates a small list of high-quality liquid funds suitable for a Spending Account.
01.
What are Liquid Mutual Funds?
Your spending account uses liquid mutual funds under the hood - a low-risk category designed for short term money.
Liquid mutual funds invest in short-term money market instruments with no lock-in.
02.
Why better than bank savings / many FDs?
03.
Can I withdraw instantly?
04.
What about taxes?
No investment is zero-risk. Liquid mutual funds are designed to park short-term money with minimal volatility and high liquidity. Our SEBI-registered advisory team carefully curates a small list of high-quality liquid funds suitable for a Spending Account.
Plan For All Your Spends
Turn your dreams into plans, from pizzas to iPhones to honeymoons, your spending account helps you get there debt-free.
Plan For All Your Spends
Turn your dreams into plans, from pizzas to iPhones to honeymoons, your spending account helps you get there debt-free.
Plan For All Your Spends
Turn your spending goals into growth plans.Here’s how we help you make every rupee work smarter.
Travel
Late night food
Late night food
Next Gadget
Education
Jewellery
Security money
Security money
Shopping
Fashion
Hobbies
Home Upgrade
Home Upgrade
Health Care
Dream car
Travel
Late night food
Next Gadget
Education
Jewellery
Security money
Shopping
Fashion
Hobbies
Home Upgrade
Health Care
Dream car
One app - 3 powerful ways to help you make the most of your money.
One app - 3 powerful ways to help you make the most of your money.
Spending Account
Save for a specific purchase by a set date, like an iPhone, trip, or wedding. Stay on track with a deadline and get brand gift cards on time.
Save for a specific purchase by a set date, like an iPhone, trip, or wedding. Stay on track with a deadline and get brand gift cards on time.
Spending Account
Save for a specific purchase by a set date, like an iPhone, trip, or wedding. Stay on track with a deadline and get brand gift cards on time.
Planned Spends
No goal planned? Just grow your money for future plans, like shopping, festivals, or gifts, and use it anytime across multiple brand partners.
No goal planned? Just grow your money for future plans, like shopping, festivals, or gifts, and use it anytime across multiple brand partners.
Planned Spends
No goal planned? Just grow your money for future plans, like shopping, festivals, or gifts, and use it anytime across multiple brand partners.
Wealth Account
Move surplus into long-term mutual fund portfolios curated by our SEBI-registered advisory team.
Move surplus into long-term mutual fund portfolios curated by our SEBI-registered advisory team.
Wealth Account
Move surplus into long-term mutual fund portfolios curated by our SEBI-registered advisory team.
Plan or No Plan. Save for anything, Anytime.
One app. Two powerful ways to plan your spends
Plan or No Plan. Save for anything, Anytime.
One app. Two powerful ways to plan your spends
Where do I begin?
Pick from our perfectly planned methods of using your money smartly.
FEATURES
FEATURES
Returns
Returns
Time Horizon
Time Horizon
Usecases
Usecases
Higher Yield Spending account
Higher Yield Spending account
7%* investment returns + ~10% brand discounts
7%* investment returns + ~10% brand discounts
Instant
Instant
Swiggy/Zepto deliveries, Monthly uber rides, Unplanned trips etc.
Swiggy/Zepto deliveries, Monthly uber rides, Unplanned trips etc.
Planned Spending Account
Planned Spending Account
7%-15%* investment returns + ~10% brand discounts
7%-15%* investment returns + ~10% brand discounts
3-12 months
3-12 months
Planned travel, next iPhone/macbook, Jewellery etc.
Planned travel, next iPhone/macbook, Jewellery etc.
Wealth Account
Wealth Account
15%-20%* investment return
15%-20%* investment return
>3 years
>3 years
Wealth creation, retirement fund, emergency fund, dream house etc.
Wealth creation, retirement fund, emergency fund, dream house etc.
*historical returns of mutual funds in the debt, hybrid, equity and alternative categories as applicable
₹240 saved on grocery delivery
₹240 saved on grocery delivery
Redeemed with Zepto
₹8,000 saved on new iPhone
₹8,000 saved on new iPhone
Redeemed with Flipkart
₹240 saved on grocery delivery
Redeemed with Zepto
₹8,000 saved on new iPhone
Redeemed with Flipkart
Smart, Safe & Built for you
Built with security, transparency, and expert guidance — so you can grow your money with complete peace of mind.
Smart, Safe & Built for you
Built with security, transparency, and expert guidance — so you can grow your money with complete peace of mind.
Smart, Safe & Built for you
Turn your spending goals into growth plans.Here’s how we help you make every rupee work smarter.
SEBI/AMFI registered investment advisors
Your investments are guided by SEBI-registered experts, CAs, CFAs and IIM MBAs, so you're backed by the highest standards of trust and compliance from AMFI and BSE.
Unbiased allocation
We don’t promote any specific fund houses. Every mutual fund is chosen solely based on what’s best for your goal.
Withdraw Anytime
Your funds don't stay with us. Withdraw anytime. Your money stays flexible, just like your goals.
Secured Transactions
Your money moves through bank-grade encryption and secured Razorpay payment gateways
SEBI/AMFI registered investment advisors
Your investments are guided by SEBI-registered experts, CAs, CFAs and IIM MBAs, so you're backed by the highest standards of trust and compliance from AMFI and BSE.
Unbiased allocation
We don’t promote any specific fund houses. Every mutual fund is chosen solely based on what’s best for your goal.
Withdraw Anytime
Your funds don't stay with us. Withdraw anytime. Your money stays flexible, just like your goals.
Secured Transactions
Your money moves through bank-grade encryption and secured Razorpay payment gateways
Brand discounts and Mutual funds come together for you
Save even more when you invest with Multipl. Unlock offers from top brands when you redeem your goal.
Brand discounts and Mutual funds come together for you
Save even more when you invest with Multipl. Unlock offers from top brands when you redeem your goal.
Brand discounts and Mutual funds come together for you
Save even more when you invest with Multipl. Unlock offers from top brands when you redeem your goal.
Brand discounts and Mutual funds come together for you
Save even more when you invest with Multipl. Unlock offers from top brands when you redeem your goal.
Brand discounts and Mutual funds come together for you
Save even more when you invest with Multipl. Unlock offers from top brands when you redeem your goal.
Real People. Real Goals. Real Savings.
Hear how Multipl is helping users save smarter, spend better, and reach their goals — without EMIs or regrets.
This app is very good for investing daily or monthly or one time investment when withdrawal the amount is added some brand benefits also.
Rathna Shree
Love the seamless and well thought out UI, sign up was absolutely glitch-free, reminds me of the premier investment apps in the western world like Stripe and Robinhood
Saran Vashisht
This savings app is a game-changer! The installment feature makes saving manageable, and the added bonus of brand vouchers is fantastic. Redeeming them boosts my savings even further. Highly recommend for anyone looking to grow their money while enjoying extra perks!
Sesha Pramod
One of the finest and best app regarding every little to big goal, here you can create many goals, like for shopping, travel, family planning, retirement plan, and many more, and the best part is that here brands also support you get extra money , brands contribute some extra percentage, with your investment amount
Garvit Saraf
This app is very good for investing daily or monthly or one time investment when withdrawal the amount is added some brand benefits also.
Rathna Shree
Love the seamless and well thought out UI, sign up was absolutely glitch-free, reminds me of the premier investment apps in the western world like Stripe and Robinhood
Saran Vashisht
This savings app is a game-changer! The installment feature makes saving manageable, and the added bonus of brand vouchers is fantastic. Redeeming them boosts my savings even further. Highly recommend for anyone looking to grow their money while enjoying extra perks!
Sesha Pramod
One of the finest and best app regarding every little to big goal, here you can create many goals, like for shopping, travel, family planning, retirement plan, and many more, and the best part is that here brands also support you get extra money , brands contribute some extra percentage, with your investment amount
Garvit Saraf
You can trust them, they are genuine you get the receipt of the mutual fund from the respective AMC once your order is processed successfully. Their customer executive team is really helpful. Just tell them the issue they will sort it and provide you with the best possible resolution.
Sharath A
It's a more organised and systematic investment app. Since it offers with a low amount it sound interesting.
Dr Murali Basa
Having good customer support and having good experience with this app. It is worth as well.
Srikar Katakam
Loved the idea behind this app. Set your goals and save money as per your own flexibility, get returns on that based on your risk appetite and also the fact that great offers are there for your goals like buying jewellery, home appliances, travel trips.. All in all I found this app great because it lets you save and earn both at the same time. Regarding the customer support experience, team was easy to reach, and quick to guide and respond to my issue! I highly recommend try this app once!!
Diksha Sharma
You can trust them, they are genuine you get the receipt of the mutual fund from the respective AMC once your order is processed successfully. Their customer executive team is really helpful. Just tell them the issue they will sort it and provide you with the best possible resolution.
Sharath A
It's a more organised and systematic investment app. Since it offers with a low amount it sound interesting.
Dr Murali Basa
Having good customer support and having good experience with this app. It is worth as well.
Srikar Katakam
Loved the idea behind this app. Set your goals and save money as per your own flexibility, get returns on that based on your risk appetite and also the fact that great offers are there for your goals like buying jewellery, home appliances, travel trips.. All in all I found this app great because it lets you save and earn both at the same time. Regarding the customer support experience, team was easy to reach, and quick to guide and respond to my issue! I highly recommend try this app once!!
Diksha Sharma
You can trust them, they are genuine you get the receipt of the mutual fund from the respective AMC once your order is processed successfully. Their customer executive team is really helpful. Just tell them the issue they will sort it and provide you with the best possible resolution.
Sharath A
It's a more organised and systematic investment app. Since it offers with a low amount it sound interesting.
Dr Murali Basa
Having good customer support and having good experience with this app. It is worth as well.
Srikar Katakam
Loved the idea behind this app. Set your goals and save money as per your own flexibility, get returns on that based on your risk appetite and also the fact that great offers are there for your goals like buying jewellery, home appliances, travel trips.. All in all I found this app great because it lets you save and earn both at the same time. Regarding the customer support experience, team was easy to reach, and quick to guide and respond to my issue! I highly recommend try this app once!!
Diksha Sharma
I started planning my 2 year old's school fee on Multipl. When she will start going to school in the next 2 years, I'm confident on Multipl on the returns part. When it comes to the app, you guys have done an amazing job with the UI. The app is so easy to use. I really liked the Purchase Protection feature.
Purnachandran
It's a very user friendly app with rich UI and simple to use. We can create the goals in no time and can easily track them. Best part is the flexibility to create our own goals with a wide range of options and best brands to choose. Rewards are awesome. Overall it provides a easy way to start the short-term and long-term investment in few minutes...
Raghunanthan Gopal
This app has excellent design. The layout is comfortable and navigation is smooth. I could create my profile and my first investment goal easily. The brand specific investment options have good variety and I'll be opting for the travel, mattress and electric bike one. Overall its an easy to use app and I'm always excited to see what new brand specific options they'll get this time. I also enjoy their posts on Instagram, Facebook and LinkedIn on a regular basis.
Abhishek Sainani
I learned about multipl through Facebook while searching for a better investment/saving option. The app is very user-friendly! One can easily set up an account and make goals that suit them the best. the amount is autoinvested every month in personalised, curated mutual funds considering my risk profile. I have created 5 goals, from travel to buying gold and I look forward to making more. The app is unique, unlike other apps, as I can earn market returns & get various vouuchers from top brands
Madhavi Kulkarni
I started planning my 2 year old's school fee on Multipl. When she will start going to school in the next 2 years, I'm confident on Multipl on the returns part. When it comes to the app, you guys have done an amazing job with the UI. The app is so easy to use. I really liked the Purchase Protection feature.
Purnachandran
It's a very user friendly app with rich UI and simple to use. We can create the goals in no time and can easily track them. Best part is the flexibility to create our own goals with a wide range of options and best brands to choose. Rewards are awesome. Overall it provides a easy way to start the short-term and long-term investment in few minutes...
Raghunanthan Gopal
This app has excellent design. The layout is comfortable and navigation is smooth. I could create my profile and my first investment goal easily. The brand specific investment options have good variety and I'll be opting for the travel, mattress and electric bike one. Overall its an easy to use app and I'm always excited to see what new brand specific options they'll get this time. I also enjoy their posts on Instagram, Facebook and LinkedIn on a regular basis.
Abhishek Sainani
I learned about multipl through Facebook while searching for a better investment/saving option. The app is very user-friendly! One can easily set up an account and make goals that suit them the best. the amount is autoinvested every month in personalised, curated mutual funds considering my risk profile. I have created 5 goals, from travel to buying gold and I look forward to making more. The app is unique, unlike other apps, as I can earn market returns & get various vouuchers from top brands
Madhavi Kulkarni
I started planning my 2 year old's school fee on Multipl. When she will start going to school in the next 2 years, I'm confident on Multipl on the returns part. When it comes to the app, you guys have done an amazing job with the UI. The app is so easy to use. I really liked the Purchase Protection feature.
Purnachandran
It's a very user friendly app with rich UI and simple to use. We can create the goals in no time and can easily track them. Best part is the flexibility to create our own goals with a wide range of options and best brands to choose. Rewards are awesome. Overall it provides a easy way to start the short-term and long-term investment in few minutes...
Raghunanthan Gopal
This app has excellent design. The layout is comfortable and navigation is smooth. I could create my profile and my first investment goal easily. The brand specific investment options have good variety and I'll be opting for the travel, mattress and electric bike one. Overall its an easy to use app and I'm always excited to see what new brand specific options they'll get this time. I also enjoy their posts on Instagram, Facebook and LinkedIn on a regular basis.
Abhishek Sainani
I learned about multipl through Facebook while searching for a better investment/saving option. The app is very user-friendly! One can easily set up an account and make goals that suit them the best. the amount is autoinvested every month in personalised, curated mutual funds considering my risk profile. I have created 5 goals, from travel to buying gold and I look forward to making more. The app is unique, unlike other apps, as I can earn market returns & get various vouuchers from top brands
Madhavi Kulkarni
Real People. Real Goals.Real Savings.
Hear how Multipl is helping users save smarter, spend better, and reach their goals — without EMIs or regrets.
Real People. Real Goals.Real Savings.
Hear how Multipl is helping users save smarter, spend better, and reach their goals — without EMIs or regrets.
Real People. Real Goals. Real Savings.
Hear is how Multipl is helping users save smarter, spend better, and reach their goals, without EMIs or regrets.
Real People. Real Goals. Real Savings.
Hear is how Multipl is helping users save smarter, spend better, and reach their goals, without EMIs or regrets.
Any Questions?
Why should I move my spending money out of a bank when banks feel safer?
Why should I move my spending money out of a bank when banks feel safer?
Why should I move my spending money out of a bank when banks feel safer?
Do I need to move a lot of money into the Spending Account to use it?
Do I need to move a lot of money into the Spending Account to use it?
Do I need to move a lot of money into the Spending Account to use it?
Is this a savings product or a spending product? I’m finding it hard to see the value.
Is this a savings product or a spending product? I’m finding it hard to see the value.
Is this a savings product or a spending product? I’m finding it hard to see the value.
Is it safe to use mutual funds for spending money? What about delays or tax complexity?
Is it safe to use mutual funds for spending money? What about delays or tax complexity?
Is it safe to use mutual funds for spending money? What about delays or tax complexity?
Isn’t mixing spending and investing confusing? Spending and investing feel like opposite mindsets.
Isn’t mixing spending and investing confusing? Spending and investing feel like opposite mindsets.
Isn’t mixing spending and investing confusing? Spending and investing feel like opposite mindsets.
How do I earn ~7%* returns if I’m spending money continuously? Can you show an example?
How do I earn ~7%* returns if I’m spending money continuously? Can you show an example?
How do I earn ~7%* returns if I’m spending money continuously? Can you show an example?
Is my money safe? Will there be market fluctuations in Liquid Mutual Funds?
Is my money safe? Will there be market fluctuations in Liquid Mutual Funds?
Is my money safe? Will there be market fluctuations in Liquid Mutual Funds?
Any questions?
Any questions?
Savings calling. Answer?
Start planning your next big purchase with Multipl — grow your money, earn rewards, and skip the EMIs.
Savings calling. Answer?
Start planning your next big purchase with Multipl — grow your money, earn rewards, and skip the EMIs.
Savings calling. Answer?
Turn your spending goals into growth plans.Here’s how we help you make every rupee work smarter.
