Maximizing long-term wealth as a passive investor relies fundamentally on minimizing costs. The best investing apps champion this by offering ₹0 commission on Direct Mutual Funds and ₹0 brokerage for Equity Delivery (buying and holding stocks/ETFs).

Brokers like Zerodha and Angel One provide this zero-brokerage structure for Indian stocks, while apps like Groww and Paytm Money excel with an added advantage of ₹0 Annual Maintenance Charges (AMC), making them ideal for beginners prioritizing pure cost efficiency and simplicity. For global diversification, platforms with low-cost US stock access are essential. The ultimate winner is the one that best eliminates recurring fees to boost your compounding returns.