---
title: "INDmoney vs Paasa vs Vested: Detailed Breakdown"
description: "Compare INDmoney, Vested, and Paasa to see which platform supports your global investment goals."
url: "https://paasa.com/blog/indmoney-vs-vested-vs-paasa"
source: "https://paasa.com/blog/indmoney-vs-vested-vs-paasa"
last_modified: "2026-10-17T06:01:02.210Z"
---

# INDmoney vs Paasa vs Vested

Compare INDmoney, Vested, and Paasa across infrastructure, FEMA compliance, tax reporting, and market access.

For Indian investors exploring global markets, [INDmoney](https://www.indmoney.com/us-stocks), [Vested](https://vestedfinance.com/), and [Paasa](https://paasa.com/) each offer a different solution.

[INDmoney](https://www.indmoney.com/us-stocks) is a personal finance super-app. It allows you to track Indian FDs, mutual funds, insurance, loans, and also invest in U.S. equities and London-listed UCITS ETFs. But international investing is just one small tab in a much larger financial dashboard.

[Vested](https://vestedfinance.com/) is built ground-up as an alternative investment platform. It goes beyond U.S. equities by offering managed portfolios, global mutual funds, private markets, and Indian bonds, designed for Indian retail investors who want to dip their toes into global diversification without too much operational complexity.

[Paasa](https://paasa.com/), on the other hand, gives you access to all major global markets, including the U.S., UK, Europe, and China, and is designed with a long-term global strategy in mind. [Paasa](https://paasa.com/) is structured around LRS compliance, tax reporting, INR-linked returns, and concierge support, making it suitable for everyone from first-time global investors to HNIs and family offices.

## Table of Contents

- [Infrastructure Overview](#infrastructure-overview)
- [Feature Comparison](#feature-comparison)
- [FEMA Compliance](#fema-compliance)
- [Tax Reporting](#tax-reporting)
- [Technology Features](#technology-features)
- [Investor Fit](#investor-fit)
- [Client Support](#client-support)

## Infrastructure Overview

| Attribute | INDmoney | Vested | Paasa |
| --- | --- | --- | --- |
| Account Setup | Free | ₹250 (one-time) | Free |
| Trading infrastructure | Principal Global Access Provider in GIFT City, with U.S. custody partners (DriveWealth, Alpaca, Apex) | Own U.S. broker-dealer (VF Securities, Inc.) | Account in your own name, with Interactive Brokers as custodian |
| Market Access | US + UCITS ETFs on the London Stock Exchange | US only | Global - US, Europe, UK, China and more |
| Custody of assets under client's name | You are the beneficial owner; holdings are recorded in INDmoney's GIFT City books | ✅ | ✅ |
| FEMA & LRS Support | Basic | Basic | Advanced |
| Tax Reporting (India) | Filing-ready statements | Tax module for ITR documents | Advanced |
| INR-based Returns & Analytics | ✅ | ❌ | ✅ |
| Human Advisory | ❌ | ❌ | ✅ (Apex plan) |
| Onboarding Support | ❌ | ✅ | ✅ |
| Remittance Integration | ✅ | ✅ | ✅ |
| SIPC Insurance | ✅ | ✅ | ✅ |

## Feature Comparison

| Attribute | INDmoney | Vested | Paasa |
| --- | --- | --- | --- |
| Direct trading | ✅ | ✅ | ✅ |
| Real-time execution | ✅ | ✅ | ✅ |
| Product Universe | US Stocks & ETFs | ✅ | ✅ | ✅ |
| Other markets (China, UK, Europe, etc) | UCITS ETFs on the London Stock Exchange only | ❌ | ✅ |
| Managed Portfolios | ❌ | ✅ | ✅ (Apex plan) |
| UCITS portfolios | UCITS ETFs only | UCITS mutual funds only (Global Funds) | ✅ |
| AIFs | ❌ | ❌ | ❌ |
| Fractional Shares | ✅ | ✅ | ✅ |
| Auto-rebalanced UCITS portfolios | ❌ | ❌ | ✅ (Apex plan) |
| Interest on uninvested cash | ❌ | ❌ | ✅ |
| Withdraw money to US bank account | ❌ | ✅ | ✅ |

**Note:** UCITS portfolios are preferred by many Indian investors for US estate tax protection and global diversification.

## FEMA Compliance

| Attribute | INDmoney | Vested | Paasa |
| --- | --- | --- | --- |
| Digital remittance under LRS | Self-declaration templates for Indian banks | ✅ | ✅ | ✅ |
| Remittance support at low rates | No platform fee; bank FX markup applies | Limited visibility, fixed margin | ✅ |
| 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.

## Tax Reporting

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

## Technology Features

| Attribute | INDmoney | Vested | Paasa |
| --- | --- | --- | --- |
| Mobile App & Web View | ✅ | ✅ | ✅ |
| Market and Limit | ✅ | ✅ | ✅ |
| Stop loss | ✅ | ✅ | ✅ |
| Trailing stop loss | ❌ | ❌ | ✅ |
| Withdraw funds to any bank account | ❌ (Indian bank account only) | ✅ | ✅ |
| 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 (family offices, institutional needs) | ❌ | ❌ | ✅ |

## Investor Fit

| Investor Type | INDmoney | Vested | Paasa |
| --- | --- | --- | --- |
| First-time US investor | ✅ Easy Onboarding | ✅ Easy Onboarding | ✅ Easy Onboarding |
| SIP-style Retail Investor | ✅ Suited | ✅ Weekly/monthly SIPs | ✅ Suited |
| HNIs | Limited Tax/Remit control | Requires technical know-how | Built for scale and customization + India-facing layer |
| Family Offices | No reporting or structuring tools | No reporting or structuring tools | Concierge, entity-level control + India-facing layer |
| Institutional Investors | Not built for complex needs | Not built for complex needs | Concierge, entity-level control + India-facing layer |

## Client Support

| Attribute | INDmoney | Vested | Paasa |
| --- | --- | --- | --- |
| Onboarding Support | Self-serve | Self-serve & Guided | Self-serve & Guided |
| Dedicated relationship manager | ✅ | ✅ | ✅ (Apex plan) |
| Expert concierge (FEMA, Tax) | ❌ | ❌ | ✅ (Apex plan) |
| Custom Portfolio Structuring | ❌ | ❌ | ✅ |
| Customize features on request | ❌ | ❌ | ✅ |
| Exit or Migration Support | ❌ | ❌ | ✅ |

## Conclusion

If you're looking for a simple, app-based way to dip your toes into U.S. stocks, [INDmoney](https://www.indmoney.com/us-stocks) is a good start.

If you want a curated experience with slightly broader product access [Vested](https://vestedfinance.com/) is a step up, particularly for small to medium ticket investors.

But if you're aiming to diversify across U.S., Europe, and Asia, whether with your first global allocation or a larger portfolio, [Paasa](https://paasa.com/) offers the structure, control, and compliance support you need. It’s not just about investing, it’s about managing capital across borders with clarity.

#### About Paasa

[Paasa](https://paasa.com/) is a global investing platform for Indian investors, from those making their first global allocation to HNIs and family offices. It helps them invest across the US, UK, Europe, and China with tools that simplify LRS, remittance, tax reporting, and cross-border complexity.