# Kuvera by CRED: Mutual Funds — Direct MFs, SIPs, FDs, Surplus

> All-in-one platform for mutual funds, fixed deposits, and stock market investing. (iPhone/iPad app by Dreamplug.)

- Source: https://appshunter.io/ios/app/kuvera-by-cred-mutual-funds/id1329701793 (this page in markdown: same URL + `.md`)
- Developer: [Dreamplug](https://appshunter.io/developer/1428580079)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.60/5 from 160 App Store ratings · 110 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 314 MB
- Languages: American English
- Released: 2018-03-09
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/kuvera-by-cred-mutual-funds/id1329701793/reviews.md

## What is Kuvera by CRED?

Kuvera by CRED is a Direct Mutual Funds (MFs) and SIP Investment App that also works as a powerful Mutual Funds Tracker and Mutual Funds Central, helping you invest, monitor, and manage all your mutual fund investments from one place.

Kuvera is now Kuvera by CRED. The same trusted platform for direct mutual fund investing, now with more tools to help you invest smarter. Earn up to 2.5% more, invest in FDs without lock in, and access up to ₹4 lakhs instantly through Liquid Funds.

INVEST IN 5000+ DIRECT MUTUAL FUNDS
- Start a SIP or invest lump sum in 5000+ direct mutual fund plans from all AMCs - SBI Mutual Fund, ICICI Prudential, HDFC Mutual Funds, Nippon India Mutual fund, Kotak MF, Quant, Aditya Birla Sun Life, Kotak MF, Axis Mutal Fund, Mirae Asset, Motilal Oswal Mutual Funds & more
- Equity, Debt, Hybrid, Index Funds, Balanced Funds, Fund of Funds
- Pay zero commission. Invest directly with AMCs, in your name
- Switch from regular to direct mutual fund plans for free - earn up to 1.5% higher returns
- Your mutual fund central - one mutual fund tracker for every AMC, every SIP, and every fund you hold.

SURPLUS - YOUR IDLE MONEY EARNS MORE
Cash sitting idle earns little. Surplus moves it into liquid mutual funds so it earns more while you decide what to do next.
- Instant redemption up to ₹4 lakhs per day
- SEBI caps instant redemption per fund at ₹50,000 or 90% of invested amount, whichever is lower

UNDERSTAND HOW YOU INVEST - NOT JUST WHAT
- Discipline - Track your consistency in entries, exits, and SIP behaviour
- Allocation - Monitor concentration across asset classes and sectors
- Performance - Compare your returns against custom benchmarks

SAVE TAX. PLAN SMARTER.
- Save tax with ELSS mutual funds under Section 80C
- Save up to ₹10,000 in LTCG taxes every FY with Tax Harvesting
- Save 35% over 20 years by investing in direct mutual funds vs regular plans

INVEST IN GOLD MUTUAL FUNDS
- Invest in digital gold mutual funds safely and seamlessly
- Diversify your portfolio with gold as an asset class

COMPARE & RESEARCH FUNDS
- Compare funds against Nifty 50, Nifty Next 50, Nifty MidCap 100, Nifty SmallCap 100
- Most bought, most sold & most watchlisted mutual funds and SIPs
- Full capital gains and ELSS transaction reports

PORTFOLIO & GOAL PLANNING
- Track your mutual fund portfolio in one place.
- Set financial goals - home, retirement, child's education
- Family account - manage investments for spouse and parents under one login
- Import all external investments via CAS (Consolidated Account Statement)

IN SAFE HANDS
Your mutual fund units are held directly with AMCs in your name 
- 128-bit bank-grade encryption 
- ISO/IEC 27001:2013 certified 
- SEBI Registered Investment Advisor - INA200005166

Need help? Write to us at help@kuvera.in 

AREVUK Advisory Services Pvt Ltd | SEBI Registration No. INA200005166

Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance or assurance of returns.

## Key features

- Mutual fund SIPs and lump sum investments
- Online fixed deposit booking
- Stock market trading on NSE/BSE
- EPF balance tracking
- Goal-based financial planning
- Family account management
- Investment analytics and insights

## Recent user reviews (10 of 110)

All indexed reviews: https://appshunter.io/ios/app/kuvera-by-cred-mutual-funds/id1329701793/reviews.md

### 5/5 — Excellent service

*2026-07-31*

Ever since CRED took over Kuvera, the app has become excellent. The overall experience is much smoother, faster, and more polished than before. Navigation is seamless, performance is reliable, and everything works effortlessly. The service quality has also improved significantly, making investing and portfolio management a pleasure. Great job by the CRED team—this has become one of the best and most user-friendly investment apps.

### 1/5 — Very Bad

*2026-07-03*

I am extremely disappointed with this app. Ever since Kuvera merged with Cred, the app has become full of bugs and problems. The old Kuvera app worked much better.

For the past week, I have been contacting customer support, but nothing has been fixed. They keep saying they are working on it, but there is no real progress. When I submit a support request, they promise a reply within 24 hours, but they often don’t respond at all.

The portfolio data is also incorrect. On the desktop website, the Import Portfolio feature says the system cannot import my holdings, and it shows confusing messages. Even worse, the investment amounts shown in Kuvera do not match my actual AMC records. In some cases, Kuvera is showing almost double the correct amount, which is unacceptable for a financial app.

I have completely lost trust in this app. It has become unreliable and frustrating to use. I am now switching to another investment platform because I can no longer depend on Kuvera. Please fix these serious issues instead of making promises that are never fulfilled.

**Developer response:** Thank you for your feedback and continued support. We're continuously working to improve the app experience. If you have any suggestions or need assistance, please feel free to reach out to us at help@kuvera.in.

### 1/5 — New UI make it worst

*2026-06-13*

After the new upgrade of Kuvera, I am downgrading my rating from 5 stars to 1 star. Earlier, the app was simple, user-friendly, and easy to track investments. However, instead of improving the user experience, the latest update feels like a downgrade.

Previously, I could easily view and track my Kuvera investments separately. Now, investments from other platforms are mixed together, making it difficult to get a clear picture of my Kuvera portfolio. The old interface was much more organized and convenient.

I hope the team considers bringing back the simplicity and clarity that made Kuvera a great investment platform.

**Developer response:** We regret the inconvenience you had to face. For better assistance please share your information with help@kuvera.in. We will be happy to assist you.

### 1/5 — Unwanted overhaul

*2026-06-08*

This app is so confusing now. I am not sure why they had to redesign the whole thing. Just to change branding? Just so Cred could say we built this? Well the designers have done a less than decent job. Guess they only cared about the UI and not the UX. Not even the core features the users were here for. With this you have lost your Moat. This is more like what Dezerv is doing and I hate that for the same reason. If this is not being reverted, I am definitely moving out in 1 month max.

Addition: This is getting worse. Money getting mixed up in portfolios, some portfolios are not even showing. Big problem with data migration maybe. Why is there a stupid CAMS based refresh button for mutual funds, this was never required earlier. Who designed all of this? And why?

**Developer response:** We apologize for the inconvenience caused. Please share your registered details with us at help@kuvera.in, and our team will look into the issue and help you.

### 1/5 — Mutual Fund Sync Broken Since Feb 2026 – No Resolution Yet

*2026-06-03*

I have been using Kuvera for a long time, but since February 2026, mutual fund synchronization/import has completely stopped working for me. Earlier it was working fine, but for the last several months I have been unable to refresh or import the latest mutual fund updates.

The app only shows “Mutual fund sync temporarily paused” and there has been no resolution. I have sent multiple emails to customer support, but the responses have been generic and unhelpful. It feels like the support team either does not understand the issue or does not have enough technical knowledge to resolve it. I still haven’t received a clear explanation or timeline for a fix.

Very disappointing experience for an investment platform where accurate and up-to-date portfolio tracking is essential.

### 1/5 — Serious Investors Need the Old Features Back

*2026-05-27*

The new Kuvera update feels like a downgrade in terms of usability and research features.

The older version was actually much better for serious mutual fund investors. A few important features seem to be missing now:

• Earlier, we could see 1D change for each individual mutual fund. Now it only shows overall portfolio 1D change, which reduces visibility into individual fund performance.

• Peer comparison details are gone. Previously, we could easily check where a mutual fund ranked within its category and compare it against category averages. That feature was extremely useful for analysis.

• Fund exploration and filtering also feels limited now. Earlier it was easier to browse and filter funds based on our own requirements.

The new UI may look cleaner, but a lot of practical investor-focused insights from the old version are missing. Would really appreciate if these features could be brought back.

Otherwise, users looking for detailed analysis and fund comparison may eventually prefer alternatives like INDmoney or similar platforms.

### 2/5 — Disappointing Update - Lost a Key Feature and Simplicity

*2026-05-25*

The new update has removed a core feature that many users relied on — managing family accounts under a single login. Since the update, which now seems heavily focused on showcasing CRED, this functionality appears to be gone, and there’s no clear way to access or manage family members’ accounts from one login anymore.

This change takes away a major convenience that made the app simple and practical to use. It’s disappointing to see an update reduce usability instead of improving it. If this isn’t addressed soon, many users may have to consider switching to other apps that offer a more straightforward and user-friendly experience.

A clear example of how one update can negatively impact the simplicity and value of an otherwise useful app.

### 2/5 — New version lacks old features

*2026-04-29*

I've been a user of this app for a few years now and have liked it for its simplicity and helpful features. However, the new version (by Cred) revamped everything in the app making some of the most useful features disappear. In particular, the tax harvesting feature which used to help save taxes on MFs without much hassle. I sincerely hope that the feature is revived soon otherwise, this 'new look and feel' of the app would only prove itself to be superficial.

### 1/5 — NRI cannot login

*2026-04-26, version 2.0.12*

Why NRI requires Indian mobile number to log in? Fix it asap

### 2/5 — New UI is trash

*2026-04-25, version 2.0.12*

Please get the old UI back. The new one is the most nonsensical thing that can be there for an App in the financial sector.
If not improved people will start deflecting to other platforms.

## Frequently asked questions about Kuvera by CRED

### What does the Kuvera app do?

The app simplifies online investing by providing a single platform for mutual funds, fixed deposits, and stock market investments. It also offers features for financial planning, goal setting, family accounts, and investment analytics to help users make smarter decisions and grow their wealth.

### What are the key features of the Kuvera app?

Key features include starting SIPs in over 5000 direct mutual fund plans, booking online fixed deposits, investing in stocks on NSE and BSE, tracking EPF balance, and setting up financial goals. It also offers family account management and smart analytics for portfolio performance.

### Is the Kuvera app free to use?

The app is free to download and use for core investing functionalities. While the app itself is free, there may be in-app purchases or associated charges for specific financial products or services offered through the platform.

### What kind of investments can I make through Kuvera?

You can invest in a wide range of direct mutual funds across various categories, book fixed deposits from different banks and NBFCs, and buy/sell shares listed on the NSE and BSE. The app also allows tracking of EPF and external gold investments.

### Can I manage investments for my family on Kuvera?

Yes, the app allows you to create a family account, enabling you to manage individual accounts under a single login. This feature is useful for managing investments for parents or investing jointly with a spouse.

## Version history (last 5 releases)

### 2.1.5 — 2026-08-19

Kuvera by CRED: New identity, same foundation

Surplus:
  - Move idle cash to liquid funds
  - You can instantly redeem up to ₹4 lakhs per day.
     Note: For each fund, SEBI caps instant redemption at ₹50,000 or 90% of your invested amount (whichever is lower).

Insights:
  - Get timely signals across your portfolio

DAP (Discipline, Allocation, Performance):

  - Discipline: Consistency
  - Allocation: Spread
  - Performance: Returns vs benchmarks

Payments:
  - Faster, simpler transactions

Custody:
  - Unchanged — units held with AMCs, in your name

Support:
  - [help@kuvera.in](mailto:help@kuvera.in)

Disclaimer:
  - Investments are subject to market risks
  - Read all documents carefully before investing

### 2.1.4 — 2026-07-31

Kuvera by CRED: New identity, same foundation

Surplus:
  - Move idle cash to liquid funds
  - You can instantly redeem up to ₹4 lakhs per day.
     Note: For each fund, SEBI caps instant redemption at ₹50,000 or 90% of your invested amount (whichever is lower).

Insights:
  - Get timely signals across your portfolio

DAP (Discipline, Allocation, Performance):

  - Discipline: Consistency
  - Allocation: Spread
  - Performance: Returns vs benchmarks

Payments:
  - Faster, simpler transactions

Custody:
  - Unchanged — units held with AMCs, in your name

Support:
  - [help@kuvera.in](mailto:help@kuvera.in)

Disclaimer:
  - Investments are subject to market risks
  - Read all documents carefully before investing

### 2.1.3 — 2026-07-22

Kuvera by CRED: New identity, same foundation

Surplus:
  - Move idle cash to liquid funds
  - You can instantly redeem up to ₹4 lakhs per day.
     Note: For each fund, SEBI caps instant redemption at ₹50,000 or 90% of your invested amount (whichever is lower).

Insights:
  - Get timely signals across your portfolio

DAP (Discipline, Allocation, Performance):

  - Discipline: Consistency
  - Allocation: Spread
  - Performance: Returns vs benchmarks

Payments:
  - Faster, simpler transactions

Custody:
  - Unchanged — units held with AMCs, in your name

Support:
  - [help@kuvera.in](mailto:help@kuvera.in)

Disclaimer:
  - Investments are subject to market risks
  - Read all documents carefully before investing

### 2.1.2 — 2026-07-17

Kuvera by CRED: New identity, same foundation

Surplus:
  - Move idle cash to liquid funds
  - You can instantly redeem up to ₹4 lakhs per day.
     Note: For each fund, SEBI caps instant redemption at ₹50,000 or 90% of your invested amount (whichever is lower).

Insights:
  - Get timely signals across your portfolio

DAP (Discipline, Allocation, Performance):

  - Discipline: Consistency
  - Allocation: Spread
  - Performance: Returns vs benchmarks

Payments:
  - Faster, simpler transactions

Custody:
  - Unchanged — units held with AMCs, in your name

Support:
  - [help@kuvera.in](mailto:help@kuvera.in)

Disclaimer:
  - Investments are subject to market risks
  - Read all documents carefully before investing

### 2.1.1 — 2026-07-08

Kuvera by CRED: New identity, same foundation

Surplus:
  - Move idle cash to liquid funds
  - You can instantly redeem up to ₹4 lakhs per day.
     Note: For each fund, SEBI caps instant redemption at ₹50,000 or 90% of your invested amount (whichever is lower).

Insights:
  - Get timely signals across your portfolio

DAP (Discipline, Allocation, Performance):

  - Discipline: Consistency
  - Allocation: Spread
  - Performance: Returns vs benchmarks

Payments:
  - Faster, simpler transactions

Custody:
  - Unchanged — units held with AMCs, in your name

Support:
  - [help@kuvera.in](mailto:help@kuvera.in)

Disclaimer:
  - Investments are subject to market risks
  - Read all documents carefully before investing

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*