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Multipl: Liquid Funds. UPI.

Multipl: Liquid Funds. UPI.

Spending Money Earns up to 7%*

5 ratings
53 reviews
🌟 Lifestyle
💰 Finance
Free

Details

Released
December 14, 2020
Updated
October 31, 2026

Features

Developer

Multipl Wealth Management Private Limited
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Multipl: Liquid Funds. UPI. screenshot #1 for iPhone
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About

This app offers a unique spending account that invests your everyday money in liquid mutual funds, earning potential returns until you spend it. It allows UPI payments, bill payments, and gift card purchases with exclusive discounts.

✓Invests spending money in liquid mutual funds
✓Earns up to 7% p.a. on balance
✓Pay via UPI anywhere
✓Instant withdrawals
✓Member discounts on gift cards
✓Bill payments
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What's New in Multipl

v1.16.246

October 31, 2026

Every update helps your money work harder - so you can spend smarter. This update brings - Feature improvement - UI improvements

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User reviews

Most RecentHighest RatedLowest Rated

Network crash

When ever I’m trying open payment page or Brand voucher page the mobile network is getting crashed completely for my IOS.
PPsych0_Prince

Too many system maintenance

During day time there are a lot of system maintenance, whenever I need to make transaction the app is under maintenance. Also, when I click on support call headphone button it is not clickable one of my referral friends payments is shown as in process since last 10 days and showing failed in the home screen and the payment has been debited from my friends account

Marketing for your app and connecting to customer care is a pain
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AAditikothari

Response from developer

Hey Aditi, we are sorry to hear about the repeated maintenance windows disrupting your transactions and the unresponsive support button making it even harder to get help. Please write to support@multipl.xyz with your friend's payment details and we will investigate and work toward a resolution as quickly as possible.

Frustrating-Crashes every time of paying for the gift voucher

It has become highly frustrating to use this broken app. Everyone I try to purchase a gift voucher of available brand, the process fails at the UPI payment page. It just won’t let me buy the voucher. Frustrated to max now! Even logged a ticket but the support agent says, there is no way he can fix, try another transaction. I did try again, same issue.
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SSachinCha

Nice concept

Wow, just got to know about the app from my friend. Have added 5k amount to spending account. Brands discounts are exciting. Looking forward for nice savings and deals.
KKhushi1992

Money debited but transaction failed - no support received

Extremely poor service, I deposit 25,000 using UPI and the money was successful debited from my account however, the app shows the transaction failed. Under AMC. Processing. Has been one week now I haven’t received any contact from the support team. The support team has not respond to the complaint there is no phone number to contact them only email address and they don’t have a X account so that we can publicly ask them for this kind of experience. They only have an Instagram account that also not legit Looks like this is a fraud company somehow got the license. I’m gonna do a police complaint now.
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LLeodevta

Response from developer

Hey Leo, we are deeply concerned to hear about your experience with the failed transaction and the lack of response from our team. We completely understand how distressing it must be to have 25,000 debited with no resolution for over a week. We want to make this right for you. Please write to support@multipl.xyz with your transaction details and we will investigate this immediately. Most amounts settle quickly per the fund process, and if yours has crossed the expected window, our team will prioritize looking into it for you.

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FAQ

What is Multipl's Investment UPI?

Multipl's Investment UPI is a spending account where your everyday money is invested in liquid mutual funds, earning potential returns until you use it for payments. It's designed to make your idle cash work for you.

How does Multipl compare to a regular savings account?

Multipl offers potential returns of up to ~7% p.a. on your spending money, significantly higher than the ~2.5% typically found in savings accounts. Your money remains accessible for UPI payments and withdrawals.

Is my money safe with Multipl?

Yes, your money is invested in SEBI-regulated mutual funds managed by top fund houses like Axis Mutual Fund and ICICI Prudential. Multipl is AMFI-registered and SEBI-regulated, ensuring transparency and security.

Can I withdraw my money instantly from Multipl?

Yes, Multipl offers instant withdrawals to your bank account with no lock-in period or penalties. You can access your funds whenever you need them.

What kind of payments can I make with Multipl?

You can use your Multipl Spending Account for all UPI payments, bill payments (DTH, credit card, mobile recharge), and purchasing gift cards from popular brands like Swiggy, Zomato, and Amazon.

Does Multipl have any hidden fees or charges?

The app is free to use and your investments in mutual funds are commission-free. The focus is on providing returns and discounts without additional charges.

How often is Multipl updated?

The latest version of Multipl is v1.16.246, last updated on October 31, 2026. Updates typically include feature enhancements and bug fixes to improve user experience.

What is the user sentiment for Multipl?

Multipl has a rating of 3.8 stars from 5 ratings, indicating generally positive user experiences. The app is trusted by over 10 lakh (1 million) active users in India.