multipl is India's first Investment UPI — a spending account you pay with that grows your money until you spend it.
Every payment earns. Every payment learns.
Your everyday spending money doesn't have to sit idle in a savings account. With a multipl Spending Account, your eligible balance is invested in liquid mutual funds earning up to 7%* while it waits — and stays ready for you to pay through UPI whenever you need to.
WHAT IS A SPENDING ACCOUNT?
Parking your spending money in liquid mutual fund — not a traditional savings account, bank account or current account.
In simple terms: your spending money can work while it waits.
HOW IT WORKS
A share of your salary is meant for everyday spending — rent, bills, groceries. That money usually sits in a savings account earning very little.
With a multipl Spending Account, that same spending money is instead invested in liquid mutual funds, which earns up to 7%* — while remaining ready for you to pay through multipl UPI or handle bill payments whenever you need to.
1. Add money to your Spending account
2. It's invested in AMFI-registered liquid funds and earns daily
3. Pay by UPI whenever you want — your balance earns until you spend
4. Withdraw to your bank anytime, instantly
Why Investment UPI beats a regular savings account
- Earn up to ~7%* p.a. vs. ~2.5% in a typical savings account
- Pay anywhere UPI is accepted — QR codes, merchants, bills, friends
- CashFWD UPI: your money keeps earning right up to the second you spend
- Instant withdrawals to your bank — zero lock-in, zero penalties
- 2–20% member discounts at 100+ top Indian brands
Your money, in mutual funds
Your money is invested directly in SEBI-regulated mutual funds, with top-rated fund houses like Axis Mutual Fund, ICICI Prudential Mutual Fund, HDFC Mutual Fund and UTI Mutual Fund. Withdraw 24/7.
Spend via UPI
Use your Spending Account for everyday UPI payments.
Spend on bill payments / BBPS
Use your Spending Account to pay DTH bills, credit card bills, mobile recharges and more.
Spend on brand gift cards
Use your Spending Account balance on gift cards from Swiggy, Zomato, Amazon, Myntra, Uber, MakeMyTrip and 100+ other brands — and unlock exclusive member discounts on top of your returns.
Regulated and secure — not a startup wallet
Your money sits in regulated liquid mutual funds managed by ICICI Prudential, Axis Mutual Fund and more. Multipl is AMFI-registered and SEBI-regulated (Reg. No. INA200014681). Your investments are secure, transparent and commission-free.
Trusted by India
- 10 lakh+ (1M+) active users earning daily
- ₹110 Cr+ assets under management
Complete flexibility
No lock-in period. Instant withdrawals. Pay by UPI anytime. Your money, your control.
Download Multipl and switch to Investment UPI — the spending account that grows your wealth while you spend.
ARN No: 319633
Support: support@multipl.xyz
Website: multipl.in
Multipl is a AMFI registered Mutual Fund Distributor (ARN No. 319633).*Based on historical returns of Liquid Fund category.
Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer: Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
It’s been a while that I’ve been investing through Multipl. I found the process remarkably smooth. I reached my first goal a couple of months ago - creating a fund for my daughter’s education. And I’m pretty satisfied with the returns, too. I found this a really novel concept in a world dominated by the BNPL culture. Their support system was very helpful in carrying out a request for reprocessing a failed SIP for another goal. I’m now eager to see how the redemption process works. Have requested redemption for my first goal and I’ll share my thoughts on the redemption process once it’s complete.
Felt good app for saving
Rajeshkumar vasudevan
I learned about Multipl through Instagram, and what differentiates Multipl from the rest is that it genuinely helps you pay the lowest on your spends. It's not unlike the other fintech companies, which, after giving you cashback in the initial phase, force you to take a loan. Along with providing you with market returns, they have partnered with top lifestyle brands that co-invest with you in your investment journey and provide exclusive benefits. Though I have created one goal for now, I could make many more soon. The app is a game-changer and a must-have.
Great way to save while spending smartly
Aditya Singh Baghel
I’ve been using Multipl for a while now, and it’s honestly a refreshing concept compared to regular finance apps. The idea of “spendvesting” — where your money grows while you plan your expenses — actually works really well.The app is very easy to use, and setting goals for things like travel, shopping, or gadgets makes saving feel purposeful. I like that the money is invested in liquid mutual funds, so it keeps earning returns while still being accessible when needed.
Developer Response
Hi Aditya, appreciate you taking the time to share such a detailed experience! It's great to hear that the spendvesting concept is resonating with you. Planning for goals like travel, shopping, or gadgets while your money earns returns in liquid mutual funds is exactly what smart spending should look like. You'll be glad to know that with no lock-in on funds and instant access to 90% of your balance in under a minute, your money stays both productive and accessible whenever you need it. Looking forward to helping you reach every goal you set!
Truly the best app to live life debt free
Christina Ramya Sudha
Came across this app through A fin-influencer, the concept of saving money with additional benefits is amazing. Immediately started a goal and here I am writing a review after the completion of it. A must try app especially for the youth. Special mention to Jags the Co-founder for carefully monitoring all the customers and Dash the Manager to make the whole process seem less and even working on the weekends to consider my request and give me the final voucher on time. Highly recommend!
Developer Response
Thanks for your review! Please recommend our app to your friends, and don’t hesitate to shoot us a note at support@multipl.xyz if you have any questions.
Every update helps your money work harder - so you can spend smarter.
This update brings
- Feature improvement
- UI improvements
Version v1.16.236
The developer, Multipl Wealth Management Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Contact Info
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
MULTIPL WEALTH MANAGEMENT PRIVATE LIMITED
Size
167.6 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPad Requires iPadOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
