Top 20 online money earning apps without investment in India

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Hi there, today in this article I am going to tell you what the top online earning apps are from which you can truly make money without investment.

If you are a student or housewife and looking for a way to earn money by doing nothing and sitting at home, this article is right for you. I have listed such genuine apps in this article which I personally used. Thus, you do not need to hesitate to try any one of them.

There are many different ways available by following which you can earn money without investment using your mobile only. If you are a student and do not have enough money to invest check the above link, I have mentioned the top 20 ways of online earning, especially for students.

The list of online earning apps without investment includes reselling apps, fantasy game apps, trading apps, and short video apps. But don’t worry you can use all of these for absolutely free to some extent and that is more than enough to earn money.

How do online earning apps without investment work?

The purpose of writing this article of mine is to make you aware of online earning apps on which you can make money without any investment.

It is also important to know how these applications work because nobody distributes money to someone without any reason. Earning applications makes people do small tasks and on completing these tasks people get paid.

These small tasks may include tasks like downloading an app, registering on an app, or staying for a while on an app. Completing these tasks users get a small amount, but the host app charges many times more money from the company that is the provider of these works.

This is how the user gets paid for completing small tasks on earning apps. Yes for sure, you can definitely make money from online earning apps without investment.

You might not know these apps are made by some companies. This company takes work from a third company and distributes the same work to be completed to the users as a task through their earning apps.

Remember: Earnings from apps are limited to some extent. Therefore you can not earn big like you can earn through Affiliate Marketing and YouTube. My opinion is not to rely on these apps for a long time.

What are the best online earning apps without investment?

Earning money online without any investment can be challenging, and it’s important to be cautious as there are many scams and fraudulent opportunities out there. However, there are some legitimate online earning apps to make money without any upfront investment. Here are some options:

1. Amazon shopping app

Amazon is the #1 online shopping app in India thus it is most used too. There is millions of traffic on Amazon worldwide. By using this traffic in the right way you can generate good revenue from Amazon, I am going to tell you how?

Affiliate Marketing is such a say that it is not easy, but if someone does it, he keeps earning a lot in the long term. Affiliate Marketing can be done not only on Amazon but also on many e-commerce platforms.

You can join the Amazon affiliate program for absolutely free so that it can be considered as one of the online money earning apps without investment.

Promotion of your affiliate product is very important for getting sales. You can share with your friends circle and relatives but in order to get more sales promotions should be on a big level, like a website and a YouTube channel.

If you have an affiliate website on which you listed the product in an article on your website, it will benefit you more. Let’s see how:

Suppose people search on Google for a product. You have a top-ranked article on the same product name on your website that people searched for. So people will come to your site to see the information about that product. If you placed an affiliate link for the same product, maybe they buy the product by clicking on your affiliate link.

In this way, an affiliate website is important for affiliate marketing in order to get more sales. I hope you got an idea why Amazon is one of the online earning apps without investment.

2. EarnKaro – Earning app

EarnKaro is an indigenously made deal-sharing platform that partnered with 150+ online shopping websites across various categories like Fashion, Beauty, Grocery, OTC Medicines, Electronics and Credit Cards.

The purpose of making this app is to provide money-making opportunities to its users through affiliate marketing. It is considered under online earning apps without investment. Thus you do not need to think about whether this app is trustworthy or not.

I myself have used the EarnKaro app and truly earned commission from it. If not unless you can see Earnkaro review on Google too.

There is different profit rate for different categories of products on Earnkaro according to which you earn commission. You just have to create your affiliate link from Earnkaro and share it with your friends and family and when an order is successfully completed from your affiliate link you get paid.

Money can also be earned from Earnkaro by referring Earnkaro to your friends.

3. CashKaro – Cashback & Coupons

Cashkaro sounds similar to Earnkaro and should be as both these apps are from the same person. CashKaro is considered one of the online earning apps without investment.

The purpose of making this is also so that the user can earn money by shopping online. The only difference is that one is earned through commission and the other through cashback.

If you frequently do online shopping then this app is going to be profitable for you because this app gives you cashback on your every successful order.

First of all, you have to create a free Cashkaro account to get started. There are more than 1500 partner stores listed on CashKaro like Myntra, Amazon, and Flipkart.

Reasons why we consider CashKaro as one of the best online earning apps without investment:

  • CashKaro has a different cashback rate for each shopping site.
  • You are also given coupon codes for shopping on CashKaro. This means you will get an additional discount by using the coupon provided by CashKaro along with the regular offers running on a certain website, and will also get cashback.

Your cashback will be tracked after 5 minutes to 72 hours of placing the order. When you earn Rs 250 or above total cashback then you can transfer that to your bank account or can purchase the shopping gift cards.

4. GigIndia: Earn money online

GigIndia is one of the online money earning apps without investment. Everyone can get work via the GigIndia app whether you are a student, housewife, or anything else. GigIndia is a company that takes work from other companies and offers this work to people they hired.

You do not strictly need to have a computer or laptop to do work here nor you have to go outdoors for work that is why I am referring this platform to students and housewives.

It is much more difficult to join this platform because they hire you to do work for them and this is a matter of the company’s reputation. You can apply directly through their app or LinkedIn. To get hired, you have to go through 2 or 3 interview rounds.

You do not need special skills and talent. because here normal tasks are available like making people download a certain app and stay for a while on the app, making people purchase OTT packs, and all.

Reasons why GigIndia is under the top online earning apps without investment: The app provides you a share link which you have to share anywhere you want. When people purchase or download an app via your link you will get paid for it.

Apart from this, you can earn Rs 100 per referral through GigIndia’s refer and earn program.

5. Swagbucks

You might have heard about Swagbucks it is an old platform. Swagbucks is mainly based on paid surveys. To date, Swagbucks has paid a lot of money to a lot of people, that’s why we kept Swagbucks one among the online earning apps without investment.

If you work an hour for one month on Swagbucks, you can easily earn up to Rs 5000. You can earn more by giving more time and completing more surveys in a day. Earning 20k to 25k also be possible on Swagbucks, you just have to make your team and do maximum work for a month.

Earned money from Swagbucks can be easily transferred to your bank by PayPal.

By doing surveys complete you get Swagbucks points which can be redeemed in money on Swagbucks. The more SB you have the more money you can be converted.

All surveys are not the same, some of them do not need more time but some are large and can last for 5 to 15 minutes. Earned money can be transferred using different online wallets or can be converted into an online shopping gift card or can be donated.

Apart from surveys, Swagbucks offers some other ways like daily polls, answer tasks and refer and earn features from which you will get 10% of the earnings of the person you have referred, for a lifetime. All these facilities are free on the Swagbucks app that’s why it is one of the online earning apps without investment.

6. Meesho: Online Shopping App

Meesho is India’s #1 reselling app thus it is very popular in India. Meesho is one of the online earning apps without investment in India.

Meesho has female users more than male users and this is because of the variety of women’s clothes with the wholesale price. Therefore Meesho is a very economical option to earn money for ladies.

Meesho is loved by people because of its profit margin feature. Meesho gives you the freedom to set your own profit margin on every product you are going to resell.

If you want to start a small business of clothes at your home, then you can make it happen by making Meesho your supplier. You can do business with not only clothes but also home & kitchen decoration products, beauty products, health products, jewellery products, accessories, bags, footwear, electronic appliances, etc through Meesho.

Either you can first buy the product from Meesho and then sell it from your home or get it delivered directly to your customer’s doorstep, it’s your choice. Thus Meesho is one of the online earning apps without investment.

If you want to know more about how to earn money from Meesho, then I have a detailed article for you. Meesho’s parcel is neutrally packed, due to which it is kept secret from where the product is purchased.

So, what are you waiting for? Being Meesho as your supplier you do not need to go anywhere to purchase goods for your store. You can make your home your store that is why you do not need investment too.

7. GlowRoad: online earning apps without investment

GlowRoad is another reselling app and this is owned by Amazon itself. Through the Glowroad app, you can start your business and earn Rs 50,000 per month from home. It is trusted by 1 Cr+ resellers all across India.

The speciality of this app is you just have to share products on your social media & earn a margin on every order without delivery hassle. Free of cost to join, no investment is needed which is why it is considered one of the online earning apps without investment.

GlowRoad can be the supplier for you. Thus different categories of products are available including men’s & women’s clothing, beauty & wellness products, home & living products, baby & kids products, mobiles & electronics, food & gourmet, etc. So if you want to start your store at home including products from these categories GlowRoad will be a very good supplier for you.

The app has an excellent product detail-sharing feature by which you can share the product including images, product details, and size chart. This app allows you to set a profit margin for yourself.

GlowRoad has an incredible refer and earn program, from which you can earn Rs 1000 when your referred friend places an order.

8. Toloka: Earn online

Toloka app formerly known as Yandex. This app is easily available to download on the Play Store with a 4.3 rating. It has been downloaded by more than 10 million people and many are already earning on it. You can read maximum positive reviews for the Toloka app on the Internet that describe the app as really genuine.

Toloka app is one of the genuine online earning apps without investment which allows users to earn money by doing small tasks. These small tasks include taking a selfie, uploading vehicle images, data entry, quizzes, classification of images, validating something, product similarity, surveys, and many more. There are different types of tasks on Toloka, for which a different amount is given.

Toloka claims that by working 1 hour every day, $30 can be earned in 1 week. You can try this app for yourself to know how much truth is there in this matter.

Toloka pays you for referring too, for each task successfully completed by the referred friend you will get from 5% – 20% of the task price.

Earned money can easily be withdrawn through PayPal and Skrill.

9. Groww app

Groww app is popular for the stock market and investment based in Bangalore, India. It was founded by former employees of Flipkart Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal in May 2017.

Groww is an investment platform you might be thinking investment is needed here. I have listed this app as one of the online earning apps without investment. Because of the Groww app’s refer and earn program, you can truly earn money on each referral you make without spending a single money.

First of all, you have to create a free Demat account on the Groww app using your email ID, mobile number, Aadhaar number, and PAN number. It takes 2 to 3 days to get your account fully activated. Once your account gets activated the Refer and Earn option will start appearing on the app.

Now you will be able to share the referral link with your friends. But you won’t get paid when they download the app through your link and create a free Demat account. You both will get paid Rs 150 when his account gets activated.

In this way, you can earn a lot of money from the Groww app by doing unlimited referrals. Earned money can easily be transferred to your bank account via UPI and Net banking.

10. Bigul: online earning apps without investment

Bigul is another incredible trading and investment app that provides a medium through which we can trade and invest in the stock market. This app is made by one of the best stock brokers in India i.e. Bonanza Portfolio Limited in 2022.

This app is not as popular as Upstox and Zerodha because it is newly launched than all these platforms. Despite being Bigul is a trading and investment platform, you can make money without investing through refer and earn on Bigul. That is why we have added Bigul to online earning apps without investment.

On this app, you can earn Rs 300 on each referral, you get Rs 100 when your referred person completes the process of account creation through your link, and the other Rs 200 when your friend’s account gets activated within 15 days.

You have to ask your friends to open a free Demat account and what benefit they and you get on Bigul. The more you refer more you earn on the Bigul app. You will be entitled to 15% of the brokerage generated by a referred person. This is how you can earn money on Bigul without spending money.

11. NiyoX – Digital Banking

NiyoX an online banking platform was developed by the neobanking company Niyo in collaboration with Equitas Small Finance Bank. The NiyoX digital banking app was released in India on March 10, 2021. That’s why each ongoing transaction on this app is done through Equitas Small Finance Bank.

Currently, NiyoX offers an incredible refer and earn feature. However, to activate this feature in your account, you have to deposit Rs 999 to your NiyoX account. But after getting your account fully activated later you can withdraw this money or you can use that money for your regular payments by adding your NiyoX account in Google Pay. That is why NiyoX is one of the online earning apps without investment.

Before doing anything on it, it is necessary for you to create an account on it, and the money you will earn by referring will come to the same account.

Actually, through NiyoX, your account will be created in Equitas Small Finance Bank which is itself an international bank. So don’t hesitate to enter your details while creating an account on Niyox, it is 100% trusted. In this way, NiyoX can be the best among online earning apps without investment for you.

12. Quora — Ask Questions, Get Ans

Do you know why so many people spend time on Quora? Do they waste their time just writing questions and answers on Quora? No, they do not waste time, they get paid to ask questions on Quora. That is why Quora is considered one of the online earning apps without investment.

You must have gone through Quora to find the answer to any of your questions. Quora is one of the biggest question-and-answer websites in the world.

Quora is part of the 100 most visited websites club and gets +620 Million visits every month. There are approximately 47k questions asked on Quora in a day.

If you wish to earn money just by asking questions, you should know about the Quora Partner Program. QPP is an invite-only platform which means for joining neither you can apply nor you can request them. They have kept secret conditions, which when you fulfil they themselves invite you. Nobody knows the exact conditions to join QPP, you can check the probabilistic criteria given in the above link. But if in case they do not call you, you should know other ways to earn money from Quora.

Download Quora one of the online earning apps and start asking questions to earn money without investment.

13. Snapchat: online earning apps without investment

Snapchat is an America-based instant multimedia messaging and moment-sharing app developed by Snap Inc in 2011. Snapchat comes among the top 10 most-used social media platforms in the world.

All social media have their own way of paying their best creators, this also works to attract more and more people. Snapchat too has launched its own Creator Monetization tool i.e. Spotlight. It is the endless scrollable feature of Snapchat like Instagram reels and YouTube shorts.

In order to start earning from Snapchat Spotlight, they have kept some conditions. according to that, your video should get 100,000 views in a day. If this happens you receive a mail from Snapchat including a congratulatory message. After that Snapchat starts to display ads in between your videos. Now more you get views more you earn.

Snapchat is such an app you do not need to spend a single rupee which is why Snapchat is considered among online money earning apps without investment.

If you do not want to depend on the Snapchat monetization program then I would love to recommend an article on how to earn from Snapchat with you.

14. Freelancer

Freelancer is an Australia-based freelance marketplace platform that was founded in 2009 in Sydney, Australia. where you get freelancing work. Let’s see why Freelancer is one of the online earning apps without investment:

Working on projects for clients on a contract basis is known as freelancing. Freelancer enables potential employers to publish jobs, after which independent freelancers can bid to accomplish them.

Anything digital can be done on Freelancer such as content writing, copywriting, graphic designing, data entry, ERP, translation, and all other work that can be done on the computer. People all over the world use this platform, so through this, you get a chance to work with international clients.

Freelancer provides a medium for employer and employee to communicate with each other and the work deal is also fixed on this platform.

I myself have used the Freelancer app to get work. My first payment from Freelancer was $10 for writing content which I had done without spending a single rupee. That’s why we consider the Freelancer app one of the online money earning apps without investment.

If you are new to Freelancer then you may have some difficulties in getting work. The employer puts the work on the Freelancer with the price. Then freelancers can place a bid by negotiating the price and writing an approaching note.

It completely depends on the employer whether to offer the work to you or not. If your description is good, your rating is good then your chances of getting the work are high.

15. Facebook: online earning apps without investment

We regularly use Facebook for chatting, watching videos, and watching photos, which means we just wasting time on Facebook, nothing else. Facebook app can be one of the online money earning apps without investment, only when you are willing to make money.

You might not know that Facebook is the most used social media platform in the world. To keep this position intact, Facebook keeps on bringing new features to entice the people. Among these features, there are some such features, through which money can be earned.

Among these features, there are three monetization programs have been officially launched by Facebook itself, including In-stream ads, brand collabs manager, and fan subscription.

Apart from this, there are many different ways to earn money on Facebook such as affiliate marketing, selling likes, selling followers, etc. Earning on Facebook is possible without spending a single money, thus Facebook is one of the online earning apps without investment.

If you want to know various ways to earn money from Facebook, read our completely dedicated article.

16. Roz Dhan: Earn Wallet cash

Roz Dhan offers small tasks along with lucky spin, card flips, walk and earn etc. features. If you are a student, housewife, or businessman who wants to earn extra money by doing small tasks, you would love the RozDhan app.

Roz Dhan has a rating of 3.9 which is considered good and more than 10 million people have already downloaded it. That means RozDhan is a 100% real application.

RozDhan is one of the best online money earning apps without investment. But you can not earn a big amount from Rozdhan hardly you can earn Rs 300 per day which is up to Rs 9000 in a month.

Rozdhan gives Rs 50 to users as a joining bonus. After this, you will start getting small tasks on the Rozdhan app like downloading a certain app, staying for a while on that app, and creating an account on a certain app. On completing these tasks, you get some coins which can be converted into money after a day.

Energy coin is another aspect of this app. Earned money cannot be withdrawn with energy coins. You can earn these energy coins by watching ads on the app.

Money can also be earned by playing games on the Rozdhan app. The minimum threshold to withdraw money on Rozdhan is only Rs 300 which can be earned in a day on the Rozdhan app.

In this way, Rozdhan is one of the apps for earning money online without investment.

17. Taskbucks – Earn Rewards

Taskbucks is another app like the previous app Roz Dhan from which you get a chance to earn by doing small tasks without spending money.

Taskbucks app is easily available on the Play Store to be downloaded. You can check on the Play Store, this app has a 4.3 rating, more than 10 million downloads, and maximum reviews in favour of this app. These things are enough to say Taskbucks is 100% real.

Let’s see why Taskbucks is one of the online money earning apps without investment.

You get Rs 25 after creating an account on it as a welcome reward. After that, you get small tasks like downloading an app, spending time on the app, or creating an account on the app. Every task has a different amount to be given and has different terms and conditions to be completed.

You can also earn by sharing referral links with your friends on this app. If your 3 friends download the app through you in a day and complete a task then you get Rs 63.

Earned money can easily be transferred to your Paytm wallet. So do not hesitate to try Taskbucks one of the online money earning apps without investment.

Taskbucks also have another incredible way to earn that is related to finances. In these tasks, you have to make the people create Demat accounts and bank accounts in investment apps or banking apps. You can get 150 to 500 rupees for a single task.

18. Pocket Money: Earn wallet cash

Pocket Money is a 100% genuine part-time money-earning app with no joining fees, no registration charges, and nothing to be spent. That’s why Pocket Money comes among online money-earning apps without investment.

This app is downloaded by more than 10 million on Play Store and as you can see around all reviews are in favor of this app. Earning method on Pocket Money is very easy therefore this app is for everyone who wants an extra income.

The primary way to earn on the Pocket Money app is through small tasks like installing an app, registering, and using the app for a few minutes.

Other ways to earn from this app are Money Quizzes and Money Games. You can earn a higher amount through Daily Tasks and Hot Offers on the Pocket Money app.

You can also earn by referring the Pocket Money app to your friends. All these features we get to use for free thus this is one of the online earning apps without investment.

You earn coins from completing the tasks and quizzes, which can be converted into real money and easily transferred to your Paytm wallet.

19. Google Opinion Rewards

Google Opinion Rewards is an app powered by Google which allows users to earn Google Play credit by answering easy paid surveys. Google Opinion Rewards is among the online money earning apps without investment because this is free of cost to use this app and work. It is easily available to download on the Play Store with very good ratings and reviews. This app was launched in 2016, and since then it has been downloaded by over 50 million. Like the rest of the online surveys app, you do not get surveys every day on this app. You get the survey every 2-3 days, on completion of which you get money immediately. Unfortunately, I have to say that you can not transfer your earned money to your bank or wallet. It will assemble as a Google Play balance which you can spend on apps, e-books, movies, and games on the Play Store. But if you are an iOS user then money can be transferred to PayPal. There are many ways to get surveys daily, you can search on Google.

20. Task Mate

Task Mate is another earning app by Google. On which you have to complete small and simple tasks to earn money. There was a myth among the people that only people who have referral code can only access this app, and this was true. But now they have changed the policies and made this app accessible for everyone. You can work on this app without any cost, that’s why I had to add the Task Mate app among the online money earning apps without investment.

You get small tasks to complete on this app like taking a picture of a certain place, recording spoken sentences, transcribing sentences, answering surveys, and many more such small tasks. After getting registered you may or may not get the tasks immediately. So you have to do is keep this app installed on your phone. Because you will be notified through notification if a task is assigned to you only on the Task Mate app. You will get paid for successfully completing tasks on Task Mate. And you will be able to transfer this money to your UPI or bank.

21. Rewardz

22. Doubtnut

23. mPaisa

24. JioSmartFSM

25. Schroders

Remember that while these online earning apps can help you earn money without an upfront investment, they often require time and effort to generate significant income. Be cautious of scams, and be prepared for some level of competition in most of these fields. Always do your research and read reviews before getting involved with any online money-making opportunity.

Also read: How to earn money online by playing games without investment?


This is not the entire list of genuine online money earning apps without investment. There are 1000s of more applications available on the internet, maybe I don’t know what apps you people know and you don’t know what apps I know. If an app asks you for money to earn money, then do not give money to it, you may be scammed. Most of the genuine earning apps are free, in which neither registration charges nor joining fees are charged. Earning money on the app is a good option for students, housewives, and people who are already on job but want to earn extra income or pocket money. But I do not recommend doing it professionally at all. The amount earned from apps is very low, but you cannot live well on it. You should use online money earning apps without investment for the purpose of making extra income only.

I mentioned only a few trading and investment apps in this list but there are around all trading and investment apps on which earning money online is possible without investment through referring. Being a kid this is not possible for everyone to open a Demat account because of some reasons. So do not be disappointed remaining apps are for you or I have written a separate article for you on how a teenager in India can earn money. If you want to know more about online earning, keep visiting our website.

Thanks for reading.

This Post Has 5 Comments

  1. rocky

    Winzo is an app by playing games on which you can earn money

  2. Dnyaneshwar

    Which among all these apps is more effective?

  3. Kuldeep

    Winzo is one of the online money earning apps

  4. Guru

    Well-explained and useful

  5. Suman Mondal

    Very little amount can be earned from these apps

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