There is no such thing as earning cash on hand monthly with no investment required. If you put your time, effort, mind, and skills into it, it is a pure investment. It’s way expensive than your cash. I took upto 6 years to earn my first payout from a website.
But people focus on shiny objects, in finance, Shiny object syndrome, where people chase new, exciting, or trendy investment opportunities, such as apps that give them a payout at home without doing anything.
You’ll see hundreds of results, but most are either outdated, shut down, or outright scams. Worse, shady APKs from Telegram or third-party sites often promise ₹500 per day and end up stealing your data. Never download such an APK; it is a sophisticated scam.
Why Money-Earning Apps Are Booming in India
As per the data of cewexpo.com in 2025, India now has crossed upto 750 million smartphone users. The fact is, Data is cheap, UPI is seamless, and trust in digital transactions is higher than ever.
Naturally, apps that promise people to earn at home are exploding in popularity. Now, here are highlights of only real, Play Store-verified apps, backed by credible companies, with transparent payouts for you, which really work.
What Counts as a “Trusted Earning App”?
Before jumping into the reliable apps list, let’s clear the basics, so it gives you a real example:
- Available on the Google Play Store and Apple App Store, with good ratings.
- Backed by a credible and Genuine brand or fintech platform (think Google, Amazon, SBI, or Razorpay distribution).
- Clear and transparent in how earners receive money, like – no mystery coins, just wallets, UPI, PayPal, or bank payouts.
- It should have a clear earning model (affiliate, cashback, referral, gig jobs, freelancing), not just unclear promises, watch a video and earn program, and schemes like a pyramid.
- It must have long-term goals that help you to learn and share skills, a few examples as Quora, Slideshare, and Unsplash.
The List of 10 Trusted long-term Money-Earning Apps Without Investment For You
However, it is also true. Earning extra income from your phone is no longer a gimmick. A few big trusted companies allow you to earn a basic amount weekly or monthly. Let’s check out the list –
1. Google Opinion Rewards
This is one of the simplest earning apps owned by Google, also it is available for everyone. It works like it asks questions occasionally, and for each response, you can earn Play Store credits (Android) or PayPal cash (iOS). This app pays you to answer small surveys, for example, your shopping habits, travel preferences, YouTube questions, or product feedback.
The money isn’t huge, it’s pocket change—but the trust factor is unbeatable because the app comes directly from Google. For students and casual users, it’s a safe entry into online earning without worrying about fraud.
It has upto 10 crores downloads on the Play Store, you can install it.
2. Fiverr – Freelance Marketplace
If you have any of the skills related to computers, such as design, writing, coding, social media marketing, and video editing, you can connect with global clients. Simply, create your profile, add your skills and set your price, and they pay you when you help them online using your special skills.
- Earning type: Freelance services, best for part-time for a newbie.
- Where it pays: Payoneer, PayPal and Bank Transfers.
- Why it works: Demand for digital services is rising in India.
Many Indian freelancers started with ₹500 gigs and now make a full-time income. The key advantage: no upfront cost, just need your skill and consistency. You can say that no investment is needed.
3. EarnKaro
If you little bit extra active on WhatsApp groups, social circles, or small Instagram audiences. It can be your extra money app, you can use it to convert e-commerce product links (Flipkart, Myntra, Amazon) into profit links.
It has multiple categories of affiliate products, such as credit cards and savings accounts. So, when someone buys a product from your link, you will get a small commission after delivery. It takes upto 15 days to get a payout to your account.
- What you do: Share affiliate links to e-commerce deals.
- Payout system: Bank transfer.
- Is it Trusted: Short of yes, it is part of the CashKaro group (invested by TATA and Kalaari Capital), a trusted affiliate eco-system.
4. CashKaro (Cashback Category App)
It is one of the real cashback apps working in india, it gives you cashback when Instead of going directly to Flipkart or Myntra, you shop through CashKaro. This single app handles multiple e-commerce portals. You do multiple shopping trips on Amazon, myntra, or Croma and earn cashback on each purchase. Once you hit the minimum threshold, you can transfer it to your bank or as vouchers.
It’s legit because cashback is paid by retailers, not by some shady scheme. Over time, this can save households thousands per year.
Source: www.cashkaro.com
5. Amazon Affiliate (Amazon Associates)
- What it does: Let’s you promote Amazon products via custom links.
- How you earn: Earn commissions on every sale from your link.
- Why it’s safe: Amazon brand trust, structured payout system.
- Where it fits: Bloggers, Instagram influencers, YouTubers.
It is a great long-term, no-investment program for you if you are into blogging, YouTube, or product reviews. You must have a big audience to scale and earn well, such as Instagram followers, a Facebook page, a WhatsApp group, and a Quora sub-page.
Unlike EarnKaro, which is beginner-friendly, Amazon Associates is for those who want to earn in lakhs per month. With SEO, content, reels, and reviews, many Indians build sustainable side businesses here.
6. Groww App
Groww is known as a stock, mutual fund and FD program app. You can choose FD schemes from a bank to earn interest, but without investing, you can use its referral program. Invite friends via WhatsApp, Reddit, or Instagram, provide your code, and you get 100 Rs cash on each new user when they start investing.
Because Groww is SEBI-registered, it’s safe and compliant—something most money apps can’t claim. For young professionals, it doubles as an earning tool and an entry into investments.
How to Withdraw: Bank Transfer from Wallet, or just invest it.
7. Meesho
The simple earning program of Meesho is to resell products via social networks. You share product catalogues with direct SMS to your friends or chat on WhatsApp, and earn margins without holding inventory. However, commissions only happen when you make multiple good sales.
- Why it’s achievable: Massive user base of upto 50 Crore Installs done till September 2025,
- Trust Factor: App is backed by Meta (Facebook’s parent company).
- Mode of Withdrawal: Bank transfer and UPI.
8. Zet Partner App
It is not a generic app for earning referral money; Zet is backed by investors like Cred, Razorpay, and Unacademy.
You have applied to become a partner via application, and they provide you with Free training modules, so even beginners understand what they’re recommending.
If you are interested in finance and banking, you can get a commission just by listing new members and referring financial products like credit cards, loans, stocks, FD-back cards, and insurance.
- Where it suits: Anyone with strong networks in finance or business circles. Mostly, the tier 2 and town area.
9. Swagbucks
Swagbucks, though US-based, has Indian users as well. It rewards you for surveys, games, and shopping. The real advantage is variety—you’re not stuck with one boring task. If surveys aren’t available, you can switch to offers or cashback.
The payouts (PayPal or vouchers) are clear and timely, which is why it’s still trusted after a decade. It’s not about making thousands, but steady earnings in your free time.
- Is it trusted? – Swagbucks has positive reviews and is a legitimate rewards platform, but earning money through it is not as easy as it seems.
10. Google AdSense & YouTube Partner Program
For earning online in the long term, how can we ignore the top-tier Google-designed two great platforms? If you own a blog, news site, or even a niche hobby page, Google AdSense allows you to place ads and earn whenever readers interact with them.
Similarly, the YouTube Partner Program lets creators unlock revenue from ads, channel memberships, and SuperChats.
This is no regular task app that gives pocket money; it is a journey where you grow with skills only. This duo is about long-term income. A single viral video or a blog with consistent traffic can make lakhs, but you need proper skills and in-depth knowledge about Google policies, SEO, and your unique skills.
For example, many Indian educators and travel vloggers earn a full-time income through YouTube ads alone.
The biggest advantage you have here is that payouts are guaranteed by Google. You receive money directly in your bank account once you cross the threshold. No middlemen, no points or cashbacks.
- What it does: Monetise websites (AdSense) or YouTube videos (ads, memberships).
How Much Can You Really Earn?
- Google Opinion Rewards: ₹30–₹100/week depending on surveys.
- Swagbucks: ₹500–₹2,000/month with consistent use.
- Fiverr: ₹10,000–₹50,000/month (depends on skills).
- EarnKaro / CashKaro / Amazon Affiliate: ₹2,000–₹25,000/month for active promoters.
- Groww / Zet referrals: ₹200–₹500 per referral.
- Meesho reselling: ₹5,000–₹15,000/month for active sellers.
- AdSense / YouTube: ₹10,000–₹1,00,000+ (long-term, depends on audience).
Who Benefits Most From Each App
- Students: micro rewards (Google Opinion, Swagbucks) or content creation (YouTube, Fiverr).
- Homemakers/influencers: reselling (Meesho) or affiliate links (EarnKaro, Amazon Affiliate).
- Finance-aware users: Groww referrals, AdSense, or the Zet Partner app for monetising their networks.
- Bloggers/creators: AdSense and YouTube Partner Program.
Insight: Why GlowRoad App Isn’t on This List
GlowRoad was an indian resale and earned revenue via a digital store app. It grew faster even in 2022, an American e-commerce giant, Amazon, acquired this social e-commerce company. Then they launched Amazon Bazaar and discontinued GlowRoad, which was a good app to earn money by reselling programs.
It tells even how good a source of income can be, but it never depends on a single source of income digitally. Create multiple sources and learn new skills to build assets in the long term. These short-term, lazy earning money apps are 100% fraudulent; their fake promises are to play games and earn money, watch ads and get a Rs 100 payout daily.
How to Stay Safe While Using Earning Apps
- Download only from the Google Play Store and App Store.
- Check ratings and reviews before signing up and track on Trustpilot.
- Avoid apps that promise a fixed daily income without work.
- Never share sensitive details like PAN/Aadhaar unless it’s a SEBI/IRDAI/RBI–regulated company.
- Check the developer name – Let me give you an example: “Meesho” should say original owners, and check total installs.
- Search in news – Trusted apps often appear in Times of India, Inc42, YourStory, etc. Fake ones don’t.
Add-on Q/A
Which is the No.1 earning app without investment in India?
The more long-term skills the app asks for, the more trusted and the number 1 app in the earning online segment. Such as Amazon Affiliates, it gives a 3-month window to make the first sale.
Which app gives instant ₹100 for signing up?
You can choose refer and earn apps such as CRED, Super Money by Flipkart, Zerodha or Groww.
Can I really earn a full-time income from these apps?
Yes, but usually through scalable platforms like YouTube, Fiverr, or AdSense rather than small reward apps.
This article was written by Nanne Parmar, a fintech expert with a DCA degree and a commerce background, with 6+ years of experience in finance, fintech, and banking. Nanne has worked extensively in AI tools for banking, financial calculators, and fintech products. As the founder of EaseMoney, he focuses on making complex financial concepts simple for Indian users.