10 Best Money Earning Apps in India 2023 for Students

If you are a student or a housewife and want to earn money online then this article is for you. Today you will get to know the top 15 best money earning apps in India 2023 for students. If you download thess real money earning apps then you will get real cash into your Bank account or Paytm wallet. There are two ways to earn money online through earning apps. Either you can play games or invest money to earn money. Or you can refer your friends to earn some money.

For example, If you will download Upstox then you will get a ₹600 referral reward. You can easily withdraw all your referral amount to your Bank account. But if you want to earn more money then you have to invest your money in this app on Stocks, ETFs, IPOs or Mutual Funds. In the below lists, I have mentioned my favourite 15 best money earning apps in India 2023. It does not mean these are the only real money earning apps in India. There are a lot of other apps also available that provide real cash to their users.

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Money Earning Apps in India

These are some of my favourite real money-making apps. If you want to earn money by only referring friends without any investment then Vision11, 11Challengers, Fantasy Power 11, Meesho, EarnKaro, OneCode and PhonePe will be the best app for you. Whereas you have to invest some rupee to withdraw your earnings from the remaining money earning apps.

AppsReferral AmountDownload Link
1. Upstox₹600Download App
2. Groww₹100Download App
3. 5Paisa40% Brokerage SharingDownload App
4. Vision1120% Revenue SharingDownload App
5. 11Challengers20% Revenue SharingDownload App
6. Zerodha10% Brokerage SharingDownload App
7. Real11₹75 CashDownload App
8. Dream11₹100 BonusDownload App
9. Fantasy Power 1120% Revenue SharingDownload App
10. Meesho₹1000Download App
11. EarnKaro10% Revenue SharingDownload App
12. OneCode10% Revenue SharingDownload App
13. PhonePe₹125Download App
14. Paytm Money₹150 Free ETFs + ₹300 Per ReferralDownload App
15. Google Pay₹150Download App
16. MobiKwik₹20Download App

1. Upstox

Upstox is a discount broker company in India. You can invest in Stocks, Mutual Funds and IPOs on this app. Investors earn money through intraday stock trading or long-term trading on this app. Upstox is one of the best Demat accounts in India.


Investors can earn money by referring friends too. Upstox changes its referral offer from time to time. But as of now, you will get ₹600 per referral. The best thing is you can transfer your referral balance to your Bank account. You just have to invest for the first time on the Upstox app to withdraw your referral bonus. The withdrawal request may take up to 48 hours.

2. Groww

Groww is also a discount broker in India. We can earn money by referring friends and investing money in this app. Groww will provide ₹100 for every friend who joins through our link. You will get a ₹100 SignUp bonus too. The Groww referral offer will only be visible to you after you make an investment in this app.


If you invest money in Stocks or Mutual Funds then you can earn some more money from the Groww app. Either you can withdraw your referral money to Bank or can invest it in Groww.

3. 5Paisa

Investing is made easy with the 5Paisa app. This app comes with a slightly more difficult interface than other investment apps in India. 5Paisa comes with a referral offer where you will earn ₹500 and up to 40% brokerage sharing for a referral. Apart from this you can also buy money in stocks, and mutual funds and sell it at a higher price. This is another option to earn money through the 5Paisa app.

5Paisa will give you ₹500 for the first referral. Then for the 1-5 referral, you will get 12.5% brokerage sharing, for the 6 or more friends referral you will get a 25% brokerage sharing and for 26+ referrals, you will get 40% brokerage sharing. This is how the 5Paisa referral system works. The money will be credited to your 5Paisa wallet. You can withdraw it from your bank easily. You just need to keep ₹100 in your 5Paisa wallet.

Also Read: Paytm Cash Earning Apps

4. Vision11

We all love to watch cricket, football, basketball etc. Now we can earn money by playing fantasy cricket, football, basketball etc on fantasy gaming apps. There are a lot of the best fantasy apps available in India. Vision11 is one of them.

You can earn money from the Vision11 fantasy app in two ways. Either you can add money to your wallet and play games to win real cash. You need some basic skills, and knowledge to rank higher and win real cash in this way.


Apart from this, you can earn money by referring friends too. Vision11 will give you a ₹300 Sign Up bonus and a ₹100 referral bonus. Also, every time your referred friend deposits money in their wallet you will get 20% of it in your winning balance. So in this way you can earn money for a lifetime by referring an only once time a friend. The minimum withdrawal of the Vision11 app is ₹100 in Paytm or Bank. I feel Vision11 is really one of the best money earning apps in India for students.

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5. 11Challengers

11Challengers is a fantasy app. Here we can play fantasy games and earn money. If you refer a friend then you will win 20% winning cash for a lifetime. If you have ₹200 or more in your winning balance then you can easily withdraw your winning balance to your bank account or Paytm wallet. They will charge some transaction fees for Paytm and Instant withdrawal. Although you don’t need to pay any extra charges for normal withdrawal.


6. Zerodha

Zerodha is one of the best Demat accounts in India for beginners. This platform helps us to invest our money in stocks, mutual funds, IPOs etc. We can earn money from this app by investing money or referring friends. Zerodha comes with a referral offer too. If you refer a friend then you will get 10% brokerage sharing for a lifetime. Either you can withdraw this money to your Bank or can reinvest it in Zerodha in Stocks, Mutual Funds etc.

7. Real11

Real11 is one of my favourite best money earning apps in India 2023. This is also a fantasy gaming app. In this app, you can play fantasy cricket, fantasy football and ludo games.


We can play games or refer a friend to earn money from this app. Real11 will give you ₹75 real cash for referring a friend. You can use this balance to join any fantasy or ludo contest and if you win then you can withdraw the winning balance to your Bank account or Paytm.

8. Dream11

There are only a few people who don’t know about this app. It is the first and oldest fantasy app. In this app, we will get a ₹100 cash bonus for signup and referral. The only way to earn money from this app is by playing games. Although I feel it is very tough to win games in this app. But when it comes to trust and reliability Dream11 is the best money earning apps.

9. Fantasy Power 11

Any user can join Fantasy Power 11 with their email id and mobile number. In this app, you can earn money by playing fantasy games and referring friends. Robin Uthappa is the brand ambassador of this app.

FP11 will give you a 20% revenue sharing in your winning balance for every new friend referral. Every time they deposit money in their wallet they will get some percentage of it.

Either you can play a contest or withdraw it to your Bank and Paytm wallet. The minimum withdrawal limit is ₹100 for a Paytm wallet and ₹300 for a Bank account.

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10. My11Circle

If you invite a friend then you will get ₹4 every time they play a game of ₹40. In this way, you will earn ₹4 up to 125 times. So it means you will earn ₹500 + ₹51 (for the first game played by a friend) in your account.


My11Circle users can withdraw their winning and referral balance to their bank account from ₹100. Only one free withdrawal is available every month. After that, you have to pay ₹15 withdrawal charges. Sourav Ganguly, VVS Laxman, and Ajinkya Rahane are the brand ambassador of this fantasy app. I feel it is also one of the best money earning apps in India 2023 for students. Because you can earn money from this app without any investment.

11. Meesho

If you want to love online shopping along with online earning then Meesho will be the best money earning app for you. In this app, you can buy products online or become a reseller to make money online. Meesho is India’s no 1 reseller app.

You can order products on behalf of your customers and include a profit margin in them. After the return period, Meesho will send your profit margin to your Bank account. Also, you can order products at the normal price and ask your customers to pay you some extra charge. This is how Meesho reselling business works for us. You can share Meesho products link on your social media to promote and earn money quickly.

Meesho comes with a referral offer too. If you share the invite links with friends then you will earn ₹1000 per friend. For the first three sales, you will get a 25% commission and similarly, you will get a commission of 12%, and 5% for the next 12 months.

There are four levels in Meesho refer and earn such as zero referrals, rising star, megastar and superstar. Meesho will send money to your account every Tuesday if you are eligible.

12. EarnKaro

You can join Earnkaro with your email id, mobile number and password. This platform will help you to start affiliate marketing without getting any approval. There are more than 50+ brands listed on this platform such as Amazon, Flipkart, Myntra, Ajio, Snapdeal, Jabong etc.

Simply register on this platform and make your profit links and promote it on your social media handle, blog or YouTube Channel. The more you make sales the more you generate money. The minimum withdrawal limit is ₹10.

If you share the EarnKaro referral link with your friends then you will earn 10% of their earnings for a lifetime. I feel it is one of the best money earning apps in India 2023.

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13. OneCode

EarnKaro and OneCode work in a similar manner. But there are some differences. You can make profit links easily with EarnKaro but it is a slightly difficult and time taking process to make profit links on the OneCode application. Here you can not make links for Amazon, Flipkart etc. OneCode application will help you to make profit links for many bank accounts, credit cards, Demat accounts etc. So here you have a great chance to make money if you convert genuine sales.

To make a profit links firstly you have to complete the training then you can make links and share them. After a certain period, they will send your money to your linked Bank or Paytm wallet.

If you wish you can send the OneCode app referral link to your friends to earn a 10% lifetime commission without any investment. So this is another best money earning apps.

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14. PhonePe

You all know about the PhonePe app. It is a recharge, bill payment and UPI money transfer app. With the help of this app, we can send money from one bank to another and earn some cash back. Apart from this, we can pay our mobile, DTH, gas, electricity, cable tv, and broadband bills from our homes easily. PhonePe is really the best money earning apps in India.


It has two reasons. If you share the PhonePe referral link with your friends then you will earn a ₹150 cashback in your PhonePe wallet. Also, if you pay bills with the PhonePe app then you will earn a lot of cashback. You can buy digital gold, and pay bills with the wallet balance.

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15. Paytm Money

If you are looking to start your investment journey online in the stock market then I feel Paytm Money will be the best Demat account for you. This app will help you to invest your money in Stocks, Mutual Funds, ETFs, IPOs etc.

Paytm Money app is currently running an offer where you will get ₹150 Free ETFs. You can promote the Paytm Money app with the help of the OneCode app. First of all, you need to SignUp on to the OneCode app and then complete the training session. After that, for every new SignUp within the time period, you will get ₹300 in your OneCode wallet.

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16. Google Pay

Google Pay is also another UPI money transfer app in India. There are not too many differences between PhonePe and Google Pay. Both of these two apps work in a similar pattern. A few years ago its name was Tez.

If you invite friends to Google Pay or G Pay then you will get ₹101 when your friend sends their first payment. At the same, the person who will download through your link will get ₹21.

Google Pay sends all money to Bank accounts. There are no wallet options in this app. I feel this makes it one of the best money making apps in India. Apart from Google Pay referrals, you will also earn money by transferring money and transaction of ₹150 or more.

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17. MobiKwik

If you have a lot of friends then you can earn money by inviting friends to MobiKwik. For every new referral, you will get ₹20 in your MobiKwik wallet. This balance can be used to recharge or pay bills. MobiKwik will send the money to your wallet only if they complete their UPI and makes their first transaction through the MobiKwik UPI.

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FAQs: Best Money Earning Apps India

1. What is Upstox’s refer and earn offer today?

If you refer a friend to Upstox then you will get ₹1200. If they open their Demat account then you will get ₹800 and if they make their first investment then you will get another ₹400 in your account.

2. What is the UPI best money earning apps?

PhonePe, Paytm, Google Pay and MobiKwik are the best money earning apps that provides cashback on every transaction and for a new referral.

3. Who can make money through Upstox refer and earn offers?

You need to open your Demat account to make money through the Upstox referral offer. Thus if your age is below 18 and you don’t have PAN Card or Aadhar Card linked with a Mobile number then you can not open your Demat account and make money through the Upstox offer.

4. What are the best instant withdrawal money earning apps?

11Challengers, Vision11, PhonePe, and Google Pay are some of the best instant withdrawal money earning apps in India.

5. Can we make money without investment?

Yes, you can make money without investment from affiliate marketing.

Subho Biswas

A Cricket fan from India and a diehard MSDIAN since childhood. Here in this blog I will share news related to Cricket and IPL.

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