Multipl vs Settle

multipl is India's first Investment UPI — a spending account you pay with that grows your money until you spend it. Every payment earns. Every payment learns. Your everyday spending money doesn't have to sit idle in a savings account. With a multipl Spending Account, your eligible balance is invested in liquid mutual funds  earning up to 7%* while it waits — and stays ready for you to pay through UPI whenever you need to. WHAT IS A SPENDING ACCOUNT? Parking your spending money in liquid mutual fund — not a traditional savings account, bank account or current account. In simple terms: your spending money can work while it waits. HOW IT WORKS A share of your salary is meant for everyday spending — rent, bills, groceries. That money usually sits in a savings account earning very little. With a multipl Spending Account, that same spending money is instead invested in liquid mutual funds, which earns up to 7%* — while remaining ready for you to pay through multipl UPI or handle bill payments whenever you need to. 1. Add money to your Spending account 2. It's invested in AMFI-registered liquid funds and earns daily 3. Pay by UPI whenever you want — your balance earns until you spend 4. Withdraw to your bank anytime, instantly Why Investment UPI beats a regular savings account - Earn up to ~7%* p.a. vs. ~2.5% in a typical savings account - Pay anywhere UPI is accepted — QR codes, merchants, bills, friends - CashFWD UPI: your money keeps earning right up to the second you spend - Instant withdrawals to your bank — zero lock-in, zero penalties - 2–20% member discounts at 100+ top Indian brands Your money, in mutual funds Your money is invested directly in SEBI-regulated mutual funds, with top-rated fund houses like Axis Mutual Fund, ICICI Prudential Mutual Fund, HDFC Mutual Fund and UTI Mutual Fund. Withdraw 24/7. Spend via UPI Use your Spending Account for everyday UPI payments. Spend on bill payments / BBPS Use your Spending Account to pay DTH bills, credit card bills, mobile recharges and more. Spend on brand gift cards Use your Spending Account balance on gift cards from Swiggy, Zomato, Amazon, Myntra, Uber, MakeMyTrip and 100+ other brands — and unlock exclusive member discounts on top of your returns. Regulated and secure — not a startup wallet Your money sits in regulated liquid mutual funds managed by ICICI Prudential, Axis Mutual Fund and more. Multipl is AMFI-registered and SEBI-regulated (Reg. No. INA200014681). Your investments are secure, transparent and commission-free. Trusted by India - 10 lakh+ (1M+) active users earning daily - ₹110 Cr+ assets under management Complete flexibility No lock-in period. Instant withdrawals. Pay by UPI anytime. Your money, your control. Download Multipl and switch to Investment UPI — the spending account that grows your wealth while you spend. ARN No: 319633 Support: support@multipl.xyz Website: multipl.in Multipl is a AMFI registered Mutual Fund Distributor (ARN No. 319633).*Based on historical returns of Liquid Fund category. Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Disclaimer: Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Settle makes splitting money with friends effortless. Whether it's a trip, a shared flat, dinner, or a group gift, Settle keeps track of who paid, who owes what, and helps everyone square up — without the awkward math or the awkward reminders. SPLIT ANY EXPENSE • Add an expense in seconds and split it equally, by exact amounts, by percentage, or by shares. • Snap a photo of the receipt and keep it attached to the expense. • Organize costs into groups for trips, homes, or couples. SEE WHERE YOU STAND • A clear running balance for every group and every friend. • Understand who owes whom at a glance — no spreadsheets. • Spending charts and insights to see where the money went. SETTLE UP THE EASY WAY • Record settlements when someone pays you back. • Add your UPI ID so friends can pay you in a tap. BUILT TO FEEL GOOD • Fast, clean, and native — with a polished light and dark theme. • Optional Face ID lock to keep your balances private. • Works smoothly even when your connection drops. PRIVATE BY DESIGN • No ads. No tracking. No selling your data. • Sign in with Apple or Google. • Delete your account and data anytime, right from the app. Settle is a record-keeping tool — payments happen directly between you and your friends. Download Settle and never chase a balance again.