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 CRED alternatives in India (2026)
CRED is a personal finance & investing apps product from CRED, 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 CRED are Kuvera (Free), Shoonya by Finvasia (Free), BankBazaar (Free), CreditMantri (Free) and Policybazaar (Free). Kuvera is the top-ranked option with a free plan.
CRED alternatives compared
Ranked by how closely each product matches CRED'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 |
|---|---|---|---|---|---|---|---|
| — | CRED (current) | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | — |
| 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 |  Jar | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 7 |  OneScore | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  Money View | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 9 |  Ditto Insurance | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 10 |  Bajaj Finserv App | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 11 |  Niyo | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 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 CRED 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. Jar
Jar · Bengaluru · Personal finance & investing apps · 4.5/5
Daily savings in digital gold from spare change.
Free
Free plan available
7. OneScore
OneScore (FPL Technologies) · Pune · Personal finance & investing apps · 4.5/5
Free credit score monitoring and improvement insights.
Free
Free plan available
8. Money View
Money View · Bengaluru · Personal finance & investing apps · 4.5/5
Personal loans and expense manager.
Free
Free plan available
9. Ditto Insurance
Ditto (Finshots) · Bengaluru · Personal finance & investing apps · 4.4/5
Insurance advisory with no spam promise.
Free
Free plan available
10. Bajaj Finserv App
Bajaj Finserv · Pune · Personal finance & investing apps · 4.4/5
EMI cards, loans, insurance and investments.
Free
Free plan available
CRED alternatives by what you need
Free CRED alternatives
Indian alternatives to CRED
How to choose a CRED 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.
CRED alternatives — FAQs
What is the best alternative to CRED in 2026?+
The closest matches to CRED 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 CRED, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to CRED?+
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 CRED?+
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.
CRED vs Kuvera: which is better?+
Kuvera is the closest match to CRED in our catalogue. Compare them side by side before you book a demo.
How were these CRED alternatives chosen?+
Every product listed sits in personal finance & investing apps or a category CRED also covers, and CRED'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 CRED alternative fits?
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