The INDmoney Referral Code you need for 2026 is DEE60MQPIND — enter it during sign-up to ensure your account is linked to any active new user benefits at the time of registration.
But if you’re here only for the code, hold on for two minutes. INDmoney is one of the more genuinely useful investment apps built for Indian investors — and understanding what you’re signing up for matters more than the referral bonus.
I’ve used the platform myself and found it genuinely changes how you think about managing investments across Indian stocks, US stocks, and mutual funds all from one place.
This article covers the INDmoney Referral Code details, a complete walkthrough of the platform’s features, honest pros and cons, fee structure, security, and a balanced verdict on who should and shouldn’t use it.
👉 INDmoney Sign Up Link: https://indmoney.onelink.me/RmHC/3o2us85m
Also Read: Wint Wealth vs Stable Money: Which Bond Platform Actually Delivers Better Returns in 2026?
What Is INDmoney?
INDmoney is a Bengaluru-based investment and personal finance platform launched in 2019 by Ashish Kashyap — the founder of ibibo and goibibo. With over 10 million users, it has grown from a net worth tracker into one of India’s most comprehensive investment platforms.
What makes INDmoney stand out is the breadth of what it covers under one account:
- Indian stocks and ETFs (NSE and BSE)
- US stocks and ETFs (6,000+ listed on NYSE and NASDAQ)
- Direct mutual funds (zero commission)
- Fixed deposits from partner banks
- NPS (National Pension System)
- EPF balance tracking
- Net worth aggregation across all banks, cards, and investments
The platform is SEBI-registered as a stockbroker and CDSL-registered as a Depository Participant. For US stock investing, it operates through GIFT City under IFSCA as an authorised Global Access Provider with SIPC protection on US holdings up to $500,000.
INDmoney Referral Code 2026: DEE60MQPIND
The current INDmoney Referral Code for 2026 is DEE60MQPIND.
Use this INDmoney Referral Code when creating your account to ensure you’re eligible for any new user referral benefits that INDmoney officially offers at the time of your sign-up. Referral reward structures are updated periodically — always verify the latest terms directly on the official INDmoney app or website.
INDmoney Referral Code: DEE60MQPIND
INDmoney Link: https://indmoney.onelink.me/RmHC/3o2us85m
The referral link above automatically applies the INDmoney Referral Code — you don’t need to enter it manually if you sign up via the link. If you’re registering directly on the app or website, enter DEE60MQPIND in the referral or invite code field during registration.
Note: This article does not guarantee any specific bonus amount tied to the INDmoney Referral Code. Referral program terms, reward amounts, and eligibility conditions are set by INDmoney and may change. Verify current offers on the official platform.
How to Use the INDmoney Referral Code: Step-by-Step
Using INDmoney Referral Code DEE60MQPIND During Sign-Up
Step 1 — Download the INDmoney App Available on Google Play Store (Android) and Apple App Store (iOS). Alternatively, visit indmoney.com directly.
Step 2 — Click the Referral Link Use https://indmoney.onelink.me/RmHC/3o2us85m — the INDmoney Referral Code DEE60MQPIND is pre-applied when you open the app through this link.
Step 3 — Enter Your Mobile Number Verify with OTP. This becomes your primary login credential.
Step 4 — Enter the INDmoney Referral Code if not pre-filled If the code field is empty, enter DEE60MQPIND manually.
Step 5 — Complete Your Profile Enter your name, email, PAN card details, and date of birth.
Step 6 — Complete KYC Submit PAN card and Aadhaar for e-KYC verification. This is fully digital — no branch visit.
Step 7 — Account Activation INDmoney accounts are typically activated within minutes to a few hours after KYC submission.
Step 8 — Link Your Bank Account For INR investments, deposits, and withdrawals, link your savings bank account.
Step 9 — Start Investing Indian stocks, US stocks, mutual funds, and FDs are all accessible immediately after account activation.
How to Create an INDmoney Account
The account creation process is entirely paperless. You need:
- Indian mobile number
- Valid PAN card
- Aadhaar card (for e-KYC)
- Savings bank account
- Email address
The entire sign-up, KYC submission, and account activation typically completes within one business day. US stock investing requires an additional step — a GIFT City account opening which INDmoney handles digitally within the same app.
Key Features of INDmoney
US Stocks and ETFs – Invest from ₹100
This is INDmoney’s flagship differentiator. Indian residents can invest in 6,000+ US stocks and ETFs listed on NYSE and NASDAQ — including Apple, Microsoft, Nvidia, Tesla, Amazon, and Meta — starting from just ₹100 through fractional share investing.
Key highlights of INDmoney’s US stock investing:
- Fractional shares from ₹100: No need to buy a full Amazon share at $180+. You can invest ₹500 and own a fraction of any US stock.
- Zero platform fee: No monthly or annual platform charge for US stock investing.
- Zero withdrawal fee: INDmoney removed withdrawal fees on US stocks — a meaningful update from earlier versions of the product.
- SIPC protection: US stock holdings are protected up to $500,000 under the Securities Investor Protection Corporation — the same protection available to US investors.
- INR to USD conversion: Handled digitally within the app at competitive rates.
- US stock SIP: Set up a weekly or monthly automated investment in any of 5,000+ US stocks.
- LRS compliance: INDmoney handles all RBI Liberalised Remittance Scheme documentation digitally.
The US market trading window on INDmoney is 7 PM to 1:30 AM IST during regular US market hours, with pre-market access available.
Indian Stocks and ETFs
INDmoney is a SEBI-registered stockbroker with NSE and BSE memberships. The Indian stock features include:
- Zero AMC (annual maintenance charge) on demat account — lifetime free
- Access to 5,000+ Indian stocks and 160+ ETFs
- Stock SIP — automate systematic investments in individual stocks on a weekly or monthly basis
- IPO applications directly from the app
- Options and futures trading (F&O) at flat ₹20 per executed order
- Margin Trading Facility (MTF) at 0.04% per day
- Calendarised P&L view — see your returns by month and financial year
- Basket orders for multi-stock purchases in one tap
Brokerage for equity delivery: 0.05% or ₹20 per executed order, whichever is lower.
The stock SIP feature deserves specific mention. Being able to automatically buy ₹500 worth of Infosys or HDFC Bank every week — without making a manual decision each time — is a behavioural finance tool that most traditional brokers don’t offer. For long-term systematic investors, this is genuinely more valuable than it sounds.
Mutual Funds — Zero Commission Direct Plans
INDmoney gives access to 1,600+ direct mutual fund schemes from all major AMCs. Direct plans have lower expense ratios than regular plans — which translates to better long-term compounding for investors.
A feature most users underuse: INDmoney allows you to switch existing regular plan holdings to direct plans from within the app. If you’ve been investing through a distributor and paying 0.5–1% extra in expense ratio annually, this switch can save meaningful money over a multi-year period.
Real-Time Price Alerts
Set custom price alerts on any Indian or US stock — “notify me when Tesla crosses $250” or “alert me when Reliance falls below ₹2,800.” Alerts arrive as push notifications in real time.
For investors who monitor specific stocks without wanting to watch the market continuously, this feature removes the need to check prices manually. You set the level once and let the app tell you when something actionable happens.
Watchlists for Your Favourite Stocks
Create multiple custom watchlists to organise stocks you’re researching, considering buying, or monitoring. Watchlists work across both Indian and US stocks — giving you a unified view of your investment universe in one screen.
Net Worth and Portfolio Tracking
INDmoney’s original feature — and still one of its best — is the net worth aggregator. Connect your:
- Bank accounts (view balance and transactions)
- Credit cards (outstanding, due dates)
- Indian stock holdings across all brokers
- US stock holdings
- Mutual fund investments across all AMCs
- EPF balance (via EPFO integration)
- NPS balance
- Fixed deposits
- Loans and liabilities
Everything updates automatically. For an investor with assets across multiple banks and platforms — which is most serious investors — this consolidated view eliminates the need to manually reconcile your financial position across five different apps.
Investment Options Summary
| Investment Type | Available on INDmoney | Minimum Investment |
|---|---|---|
| US Stocks (6,000+) | ✅ Yes | ₹100 (fractional) |
| Indian Stocks | ✅ Yes | No minimum |
| Indian ETFs | ✅ Yes | No minimum |
| Direct Mutual Funds | ✅ Yes | ₹100 (SIP) |
| IPOs | ✅ Yes | As per issue |
| Fixed Deposits | ✅ Yes | Varies by bank |
| NPS | ✅ Yes | ₹500 |
| F&O Trading | ✅ Yes | Margin dependent |
Pricing and Charges
| Charge | Amount |
|---|---|
| Account Opening | ₹0 |
| Demat AMC | ₹0 (Lifetime Free) |
| US Stocks Platform Fee | ₹0 |
| US Stocks Withdrawal Fee | ₹0 |
| Mutual Fund Commission | ₹0 (Direct Plans) |
| Equity Delivery Brokerage | 0.05% or ₹20 (lower of two) |
| Intraday Brokerage | ₹20 flat per order |
| F&O Brokerage | ₹20 flat per order |
| DP Charge (Selling Delivery) | ₹18.5 + GST per ISIN |
| Net Banking Deposit | ₹10 per transaction |
| UPI Deposit | Free |
| MTF Interest | 0.04% per day |
The genuinely free components are account opening, demat AMC, US stocks platform and withdrawal fees, and mutual fund investments. The DP charge of ₹18.5 per ISIN when selling delivery shares is standard across the Indian broking industry — not unique to INDmoney.
Security Features
SEBI Registration: INDmoney is a SEBI-registered stockbroker (NSE and BSE member).
CDSL Registration: Registered Depository Participant — your Indian stock holdings are in your own CDSL demat account.
IFSCA Registration: Authorised Global Access Provider for US stock investing via GIFT City (IFSCA/BD/2023-24/0016).
SIPC Protection: US stock holdings protected up to $500,000 under the Securities Investor Protection Corporation.
Data Security: Audited by Bishop Fox, a Google Partner cybersecurity firm.
Fund Safety: Your investments are held in your own demat account or directly with AMCs — not commingled with INDmoney’s operational funds.
OTP and Biometric Login: Account access requires OTP verification. Biometric login available on supported devices.
INDmoney Pros and Cons
| Pros | Cons |
|---|---|
| Free demat account — zero AMC lifetime | Not ideal for serious F&O traders (Zerodha Kite is more powerful) |
| US stocks from ₹100 — fractional investing | DP charge of ₹18.5 per ISIN on delivery sells |
| 6,000+ US stocks and ETFs | US market hours require late-night activity |
| Zero commission direct mutual funds | Customer support can be slow during peak market hours |
| Stock SIP — automate equity investing | FD depth less than dedicated platforms |
| Net worth tracker across all accounts | Premium advisory features require paid plan |
| SIPC protection on US holdings | LRS limit of $250,000 per year applies |
| IPO applications built in | MTF interest (0.04%/day) expensive for long holds |
| Zero US stocks platform and withdrawal fee | |
| Free credit score monitoring |
Who Should Use INDmoney?
INDmoney is well-suited for:
Investors who want Indian and US stocks in one place. If you’re building a portfolio that includes both domestic and international equities, switching between Zerodha for Indian stocks and a separate platform for US stocks creates unnecessary friction. INDmoney eliminates that with one account, one app, one KYC.
SIP investors who want to automate stock investing. Most platforms offer mutual fund SIPs. INDmoney’s stock SIP — weekly or monthly automated purchases in individual Indian or US stocks — is a feature that encourages disciplined, systematic equity investing without daily decision-making.
People who want complete financial visibility. If your investments, bank accounts, credit cards, EPF, and loans are scattered across five apps, INDmoney’s net worth aggregator consolidates everything in one dashboard.
First-time investors who want a guided experience. The app’s interface is clean and beginner-friendly without hiding the features that experienced investors need.
Anyone interested in investing in US stocks from India. With fractional investing from ₹100, US market access is no longer limited to investors who can afford full shares of Apple or Tesla.
Who Should Avoid INDmoney?
Serious F&O traders. Zerodha’s Kite platform offers deeper charting, more advanced order types, and superior options analytics. INDmoney’s F&O interface is functional but not designed for active derivatives trading.
Investors focused exclusively on US stocks. Platforms like Vested have deeper US market research tools and a more focused US investing experience. If US stocks are your only interest, Vested’s specialisation may serve you better than INDmoney’s broader approach.
Traders who need algorithmic or automated strategy execution. INDmoney does not support EAs, bots, or algorithmic order placement.
My Experience Using INDmoney
I want to be clear: what I’m sharing here is based on genuine personal use of the platform — not a scripted overview of the product’s marketing page.
The feature I find most practically useful on a day-to-day basis is the net worth tracker. Having a single screen that shows my Indian stocks, US stock holdings, mutual fund NAVs, bank balances, and credit card outstanding — without manually updating anything — is something I didn’t know I needed until I had it.
The US stock investing experience genuinely works as advertised. The fractional investing feature removed the psychological barrier I had about US stocks being “too expensive.” Buying $20 worth of Microsoft or ₹500 worth of an S&P 500 ETF and watching it alongside your Indian portfolio in one dashboard changes how you think about diversification.
The stock SIP is the other feature I’d specifically highlight. Setting up a ₹1,000 weekly automated purchase in two or three Indian stocks I believe in long-term removes the timing anxiety from equity investing. The amount goes in automatically, the average cost smooths out over time, and I’m not watching charts to decide when to buy.
Where INDmoney falls short in my experience: the F&O interface is basic, and customer support during high-traffic market events can be slow. If options trading is central to your strategy, Zerodha remains the benchmark.
Overall: INDmoney earns its place as my primary investment app precisely because of what it solves — fragmentation. One account, one KYC, one dashboard for everything.
Use My INDmoney Referral Code
If you’ve decided to create an INDmoney account, use my referral details during sign-up:
INDmoney Referral Code: DEE60MQPIND
👉 INDmoney Referral Link: https://indmoney.onelink.me/RmHC/3o2us85m
The INDmoney Referral Code DEE60MQPIND is automatically applied when you sign up through the referral link above. If you’re signing up directly on the app, enter DEE60MQPIND in the invite or referral code field during registration.
Referral benefits offered by INDmoney are subject to change — always verify the current reward terms on the official INDmoney website or app before and after completing registration.
INDmoney vs Alternatives
| Feature | INDmoney | Zerodha | Groww | Vested |
|---|---|---|---|---|
| US Stocks | ✅ 6,000+ | ❌ No | ✅ Limited | ✅ 4,000+ |
| Indian Stocks | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No |
| Mutual Funds | ✅ Direct | ✅ Coin | ✅ Direct | ❌ No |
| Demat AMC | ₹0 Lifetime | ₹0 Lifetime | ₹0 Lifetime | Not applicable |
| Net Worth Tracker | ✅ Yes | ❌ No | ❌ Limited | ❌ No |
| Stock SIP | ✅ Yes | ❌ No | ✅ Limited | ❌ No |
| F&O Trading | ✅ Basic | ✅ Advanced | ✅ Basic | ❌ No |
| US Stock Min | ₹100 | N/A | Higher | $1 |
| SIPC Protection | ✅ Yes | N/A | N/A | ✅ Yes |
INDmoney vs Zerodha: Zerodha wins for active F&O traders who need Kite’s advanced charting and order management. INDmoney wins for investors who want Indian and US market access plus net worth tracking in one account.
INDmoney vs Groww: Groww is simpler and better for pure mutual fund beginners. INDmoney is the more powerful platform for investors who’ve outgrown Groww and want US market access.
INDmoney vs Vested: Vested is more focused on US investing with deeper research content. INDmoney offers broader coverage including Indian stocks and the portfolio aggregation feature that Vested doesn’t have.
Final Verdict: Is INDmoney Worth It in 2026?
After using INDmoney regularly and reviewing it thoroughly, the verdict is clear: it is one of the most complete investment apps available for Indian investors in 2026.
The combination of US stocks from ₹100, zero-commission direct mutual funds, free demat account, stock SIP automation, and the net worth tracker — all in one SEBI and IFSCA-regulated platform at zero annual cost — is a proposition that no single competing app in India currently matches.
It is not the best platform for every use case. Zerodha is better for active F&O traders. Vested offers deeper US market research. But for an investor building a diversified portfolio across Indian and global equities systematically, INDmoney is the most practically useful tool available.
If you’ve decided that INDmoney is the right investment platform for you, use my referral details during sign-up:
INDmoney Referral Code: DEE60MQPIND
👉 https://indmoney.onelink.me/RmHC/3o2us85m
Referral rewards and sign-up offers may change over time. Always verify the latest terms and conditions on the official INDmoney website before completing registration with any INDmoney Referral Code.
Disclaimer: Investments in stocks and mutual funds are subject to market risk. US stock investing is subject to IFSCA regulations and LRS limits of $250,000 per year. This article contains a referral link. This is not financial advice.
Frequently Asked Questions
What is the INDmoney Referral Code for 2026? The current INDmoney Referral Code is DEE60MQPIND. Use it during sign-up or apply it automatically via the referral link: https://indmoney.onelink.me/RmHC/3o2us85m
How do I use the INDmoney Referral Code? Download the INDmoney app, tap Sign Up, enter your mobile number, and enter DEE60MQPIND in the referral or invite code field. Alternatively, click the referral link above — the INDmoney Referral Code is applied automatically.
Is INDmoney safe? Yes. INDmoney is SEBI-registered as a stockbroker, CDSL-registered as a Depository Participant, and IFSCA-authorised for US stock investing. US holdings are SIPC-protected up to $500,000. Data security is audited by Bishop Fox.
Can Indians invest in US stocks using INDmoney? Yes. INDmoney allows Indian residents to invest in 6,000+ US stocks and ETFs from ₹100 through fractional shares, via IFSCA’s GIFT City framework under RBI’s Liberalised Remittance Scheme.
Does INDmoney charge account opening fees? No. Account opening is free. The demat account has zero AMC for life. US stock investing has zero platform fee and zero withdrawal fee.
Is INDmoney worth using in 2026? Yes — for investors who want Indian and US market access, direct mutual funds, stock SIP automation, and net worth tracking in one free account. It is not ideal for serious F&O traders who need the depth of Zerodha Kite.
What is the minimum investment on INDmoney? For US stocks: ₹100 (fractional shares). For Indian stocks: no minimum. For mutual fund SIPs: ₹100.
Does the INDmoney Referral Code expire? Referral codes and their associated benefits are governed by INDmoney’s current promotional terms. Verify whether the INDmoney Referral Code DEE60MQPIND is active and what benefits apply directly on the official INDmoney platform at the time of your sign-up.
What is the difference between INDmoney and Zerodha? Zerodha is the better platform for active F&O and intraday traders who need advanced charting and order management. INDmoney is better for investors who want Indian stocks, US stocks, mutual funds, and net worth tracking all in one account.
Can I track all my investments on INDmoney? Yes. INDmoney’s net worth tracker aggregates bank accounts, credit cards, demat holdings across brokers, mutual funds across AMCs, EPF, NPS, FDs, and loans in one consolidated dashboard.
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Meta Title: INDmoney Referral Code DEE60MQPIND (2026) — Sign Up & Invest
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URL Slug: indmoney-referral-code
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- INDmoney official website: https://www.indmoney.com
- SEBI broker verification: https://www.sebi.gov.in
- IFSCA official: https://ifsca.gov.in
- SIPC official: https://www.sipc.org
- NSE India: https://www.nseindia.com
- BSE India: https://www.bseindia.com
- RBI LRS guidelines: https://www.rbi.org.in
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