INDmoney vs Vested

For Indian investors today, the question isn’t why to invest globally anymore. It’s how and through whom they can invest in the US, UK, Europe, China, and more.

INDmoney is best thought of as a personal finance super-app. It helps you track your Indian mutual funds, fixed deposits, loans, and insurance, and yes, it also lets you invest in U.S. stocks. But global investing is just one tab among many, not the core of the experience.

Vested, on the other hand, is built ground-up as an alternative investment platform. It offers direct access to U.S. stocks and ETFs, and also extends into Indian bonds, thematic portfolios, and solar infrastructure. The goal is to help you construct a globally diversified, multi-asset portfolio from a single account.

Both platforms open the door to international markets (only the U.S. market for now), but the way they do it, the level of depth they offer, and the type of investor they are built for are fundamentally different.

This comparison blog breaks that down and helps you choose the platform that aligns with your global investing goals.

Infrastructure Overview
Feature Comparison
FEMA Compliance
Tax Reporting
Technology Features
Investor Fit
Client Support

Infrastructure Overview

Attribute	INDmoney	Vested
Account Setup	Free	₹250 (one-time)
Trading infrastructure	DriveWealth & Alpaca	DriveWealth
Custody of assets under client's name	✅	✅
FEMA & LRS Support	Basic	Basic
Tax Reporting (India)	Basic	Basic
INR-based Returns & Analytics	✅	❌
Human Advisory	❌	✅
Onboarding Support	❌	✅
Remittance Integration	✅	✅
SIPC Insurance	✅	✅

Feature Comparison

Attribute		INDmoney	Vested
Direct trading		✅	✅
Real-time execution		✅	✅
Product Universe	US Stocks & ETFs	✅	✅
	Other markets (China, UK, Europe, etc)	❌	❌
	Managed Portfolios	❌	✅
	UCITS portfolios	❌	❌
	AIFs	❌	❌
Fractional Shares		✅	✅
Auto-rebalanced UCITS portfolios		❌	❌
Interest on uninvested cash		❌	❌

Note: For casual U.S. investing, both platforms perform well. However, neither supports other markets, advanced instruments like UCITS, or offers up to 3.83% interest on uninvested cash above $10,000, risk-free which is available through Paasa.

To compare multi-market options with FEMA and tax structure built-in, see Paasa vs INDmoney vs Vested.

Tax Reporting

Attribute		INDmoney	Vested
Tax Analytics	Dividend Tax Tracking	Partial	❌
	Capital Gains Tax Calculation (STCG/LTCG)	✅	❌
	Accumulating ETFs	❌	❌
	Tax Loss Harvesting	❌	❌
	Year-End Tax Statement for Indian Investors	✅	✅
UCITS portfolios for tax savings		❌	❌

FEMA Compliance

Attribute		INDmoney	Vested
Digital remittance under LRS	Self-declaration templates for Indian banks	✅	✅
	Remittance support at low rates	✅	✅
	Bank formalities & Holding Declaration	✅	✅
	Tracking and Confirmation	✅	❌
Compliance queries		❌	❌

Note: FEMA compliance is critical when sending money abroad under LRS. Many Indian investors unknowingly use incorrect purpose codes during remittance which can lead to reporting issues, delays, or tax scrutiny later.

Technology Features

Attribute	INDmoney	Vested
Mobile App & Web View	✅	✅
Market and Limit	✅	✅
Stop loss	✅	✅
Trailing stop loss	❌	❌
Withdraw funds to any bank account	✅	✅
Mutual funds tracking	✅	❌
XIRR calculation for position	✅	✅
Benchmarking & Backtesting	❌	❌
INR gain/loss computation (blended FX)	❌	❌
Web dashboard for reporting	✅	✅
Trader Workstation (TWS) for advanced traders	❌	❌
Custom features	❌	❌

Investor Fit

Investor Type	INDmoney	Vested
First-time US investor	Easy, guided, low entry barrier	Easy, guided, low entry barrier
SIP-style Retail Investor	Automate ₹5K–₹50K monthly via SIPs	Manual SIPs set up are possible; no automation.
HNIs	Basic support.	Requires technical know-how
Family Offices & Institutional Investors	Not built for complex needs	Not built for complex needs

Note: If you’re an HNI, family office, or institutional investor evaluating platforms for scale, control, and structure: Paasa vs INDmoney vs Vested offers a clearer fit analysis.

Client Support

Attribute	INDmoney	Vested
Onboarding Support	✅	✅
Support Channels	Email/ticket only	Chat, Email, Phone, Help Center
Dedicated relationship manager	✅	✅
Expert concierge (FEMA, Tax)	❌	❌
Customize features on request	❌	❌

Conclusion

While both platforms enable access to U.S. markets, they cater to different needs.

INDmoney is best suited for investors who want a lightweight, app-based way to track their money and occasionally invest in U.S. equities.

Vested is a better fit for those looking to build a broader, multi-asset global allocation, with more structure around execution and curated portfolios.

That said, both platforms are limited to the U.S. market. If you're looking to allocate capital beyond into markets like the UK, Europe, or China, neither INDmoney nor Vested supports that access.

Choosing between them ultimately depends on your intent: whether you're experimenting with international exposure or building it into the core of your long-term strategy.

For a broader perspective on which platform fits your global portfolio goals, especially across multiple markets and scale, you can explore our full comparison of Paasa, INDmoney, and Vested.

About Paasa

Paasa is a global investing platform built specifically for Indian HNIs, family offices, and institutional investors, helping them invest across the US, UK, Europe, and China with tools that simplify LRS, remittance, tax reporting, and cross-border complexity.

Disclaimer

This content is for general informational purposes only and should not be taken as financial, legal, or professional advice from Paasa. While we strive for accuracy, the information may change over time. Paasa makes no representations, warranties, or guarantees, whether express or implied, regarding the accuracy, completeness, or reliability of the information provided. The comparison is based on publicly available data and is intended to assist users in making informed decisions. It is not a substitute for professional advice or consultation with financial experts. Please review the terms of use and product availability for your region, or visit the service provider's website for the latest pricing and service information.

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