If your money comes in daily — from an auto, a shop, daily wages, or anything in between — you need a SIP that works the same way. Not one that asks you to save a big lump sum at month-end.
Several apps allow daily SIP in India — including Groww, Zerodha Coin, and Paytm Money. But if you're looking for one that starts as low as ₹21/day, built specifically for everyday earners, Pyllar Money is the app to try.
Most SIP apps are built for people with a fixed monthly salary. Pyllar Money is built for people who earn daily, weekly, or irregularly — and want to save in a way that fits how they actually live.
What Is a Daily SIP?
A SIP — Systematic Investment Plan — is when you invest a fixed amount regularly into a mutual fund. Monthly SIPs are the most common. But a daily SIP means you invest a small amount every single day instead of waiting until the end of the month.
Think of it like this: instead of saving ₹630 all at once at month-end, you save ₹21 today, ₹21 tomorrow, and so on. Same money. But far easier when your income comes in daily.
The result is the same — your money grows in mutual funds — but the habit is much easier to keep.
Best Apps for Daily SIP in India (2026)
Here's a quick look at the main options available today.
1. Pyllar MoneyBest for Daily Earners
Pyllar is a daily SIP app built for India's everyday earners — auto drivers, delivery agents, factory workers, small shopkeepers, and anyone whose income doesn't arrive on the 1st of every month.
- Minimum daily SIP: ₹21/day
- What you invest in: Gold, Silver & Savings (mutual funds)
- AMFI registered: Yes (ARN No. 341847)
Pyllar Money shows you your progress in grams of gold and silver, making it intuitive for first-time investors.
Download Pyllar Money App2. Groww Best for Beginners
Groww supports daily SIPs in thousands of mutual funds. It is very beginner-friendly but typically starts around ₹100/day depending on the fund.
- Minimum daily SIP: ~₹100/day
- Best for: Salaried users choosing their own funds
3. Zerodha Coin Best for Active Investors
Zerodha Coin offers direct mutual funds with zero commission. Great if you already use Zerodha for trading.
- Minimum daily SIP: Varies by fund
- Best for: Existing Zerodha users
4. Paytm Money Best for Paytm Users
Allows daily SIPs in mutual funds with a minimum of around ₹100/day. Integrated with your existing Paytm KYC.
- Minimum daily SIP: ~₹100/day
- Best for: Quick start for Paytm users
5. Deciml Spare Change model
Rounds up your daily spending and invests the spare change automatically.
- Minimum: From ₹10
- Best for: Passive micro-savings
Daily SIP vs Monthly SIP — Which Is Better?
Neither is strictly "better" — it depends on when your money comes in.
If you get a fixed salary, monthly is simpler. But if your income is irregular — daily cash, weekly wages, or freelance payments — a daily SIP fits your life better. You invest as you earn, rather than scrambling to set aside a lump sum at month-end.
Who Should Use a Daily SIP App?
A daily SIP app is a good fit if you:
- Earn daily or weekly cash (auto driver, helper, shopkeeper)
- Want to invest but don't have a large amount to start with
- Have never invested before and want to start small
- Find it hard to save a lump sum at month-end
Is Daily SIP Safe?
Yes — as long as you use a SEBI and AMFI registered platform. All the apps listed above are regulated. Your money goes into mutual funds managed by trusted AMCs like HDFC, SBI, and others.
The key is consistency. Building a daily habit is what creates wealth over the long term.
The Bottom Line
For most salaried users, Groww or Zerodha Coin are solid choices. But if you're an everyday earner who wants to start with as little as ₹21/day without finance jargon, Pyllar is built for you.
Less than a cup of tea a day. A little gold, a little silver, a little savings. Every day.
Start Saving — Download PyllarMutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Pyllar Fintech Private Limited is an AMFI registered mutual fund distributor (ARN No. 341847).
