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.

Table of Contents

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

Infrastructure Overview

Feature Comparison

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

FEMA Compliance

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

Investor Fit

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

FAQs

Can I invest in China, Japan, UK, Europe or other global markets through INDmoney or Vested?

No. Both INDmoney and Vested are limited to US stocks and ETFs. You cannot directly access China, Japan, UK, Europe, or Switzerland from these platforms. Paasa offers access to 150+ Global Markets.

Is it safe to invest through INDmoney or Vested? Who is the US broker?

Yes. INDmoney routes trades via DriveWealth/Alpaca Securities (regulated in the US), and Vested works with VF Securities (FINRA, SIPC member). Your assets sit with the US broker, not the Indian app.
With Paasa: Trades are executed via Interactive Brokers, a 40+ year old global brokerage used by institutions, giving you deeper coverage and scale.

What happens to my money if either app shuts down?

Your brokerage account remains separate from the app. Securities are protected up to $500,000 under SIPC (including $250,000 cash). Market losses are not insured.

Do INDmoney and Vested offer UCITS ETFs?

No. Both focus only on US-domiciled ETFs. This means Indian investors face up to 40% US estate tax exposure above $60,000.
Paasa gives you access to 100+ UCITS ETFs listed in Europe — the global standard for HNIs to invest tax-efficiently.

Do these platforms handle FEMA compliance for me?

Not fully. You have to track remittance limits, TCS, and LRS usage yourself.

Do they optimize for Indian tax rules like LTCG, STCG, and dividend leakage?

No. They provide basic gain/loss reports but don’t guide you on ETF structures.

Do they serve NRIs as well as resident Indians?

Support is limited. INDmoney is resident-first; Vested has partial NRI flows.

Do both support fractional shares?

Yes. INDmoney and Vested allow fractional investing. However, fractional shares usually cannot be transferred between brokers.

Can I do intraday or US options trading?

No. RBI rules allow only delivery-based equity and ETFs, not intraday or derivatives.

Do they support SIPs in US stocks?

INDmoney supports US stock SIPs. Vested focuses on one-time investing and themed portfolios.
Paasa: Lets you set up systematic allocations across UCITS ETFs, which are tax-efficient for Indians.

Who should use INDmoney, Vested, or Paasa?

• INDmoney: Best if you want US investing as part of a personal finance super-app.
• Vested: Best if you want a retail-first alternative investment platform with themes and US bonds.
• Paasa: Best if you want institutional-grade access to US + global markets, FEMA compliance, UCITS ETFs, and tax optimization for larger portfolios.

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.