Investing a fixed amount every month in US stocks is now possible for Indian investors, and it works much like the SIP (Systematic Investment Plan) model you already use for mutual funds. You set a schedule, choose your stocks or ETFs, and the platform automatically invests for you at regular intervals.

The RBI’s Liberalised Remittance Scheme (LRS) allows you to send up to $250,000 per financial year overseas for investment purposes. Several Indian and international platforms now use this route to offer recurring investment features in US stocks, making it easy to build a global portfolio gradually without needing a large lump sum.

This guide compares the 5 best apps for US stock SIP from India in 2026, covering what each platform offers, how the SIP feature works, fees, and who each app suits best.

What Is a US Stock SIP and How Does It Work?

A US stock SIP, often called a recurring investment or auto-invest feature, lets you invest a fixed amount in US stocks or ETFs at a regular interval, such as weekly, fortnightly, or monthly.

Here is how it typically works on most platforms:

  • You choose a US stock or ETF and set a fixed investment amount.
  • The platform deducts the amount from your linked bank account or wallet at your chosen frequency.
  • The amount is converted from INR to USD and used to buy fractional or whole units of the stock.
  • Your holdings accumulate over time, just like a mutual fund SIP.

Most platforms support fractional investing, which means you can invest in high-priced US stocks like Apple or Amazon with as little as a few dollars per cycle.

Why Start a SIP in US Stocks from India?

A recurring investment approach in US stocks gives you several practical advantages:

  • Rupee-cost averaging: By investing a fixed amount regularly, you buy more units when prices are lower and fewer when prices are higher. This smooths out the impact of market volatility over time.
  • Dollar exposure: As the INR has historically depreciated against the USD, your investment gains an additional layer of return from currency movement.
  • Disciplined investing: Automating your investments removes the temptation to time the market. You invest consistently regardless of short-term news or sentiment.
  • Access to global companies: A US stock SIP lets you build a stake in companies like Apple, Microsoft, Alphabet, and Amazon, month by month, without needing a large upfront amount.

The SIP approach is particularly useful for first-time international investors who want to start small and scale gradually.

5 Best Apps for US Stock SIP from India

1. Vested Finance

Vested Finance is built specifically for Indian investors who want direct access to US stocks and ETFs. The platform supports a recurring investment feature that works like a true SIP. You pick a stock or ETF, set the amount in dollars, and choose how often you want to invest. Vested handles the currency conversion and LRS remittance automatically.

What makes Vested particularly well-suited for a US stock SIP is fractional investing. You can start a recurring investment with as little as $1, making it possible to build positions in premium US stocks over time without a large initial outlay.

Beyond individual stock SIPs, Vested also offers curated portfolios called “Vests.” These are expert-built thematic collections covering sectors like technology, healthcare, and dividend stocks. You can set up a recurring investment into a Vest, giving you diversified US market exposure through a single scheduled investment.

The app is clean, the onboarding is straightforward, and Vested Academy provides educational content to help you understand what you are investing in. For Indian investors looking for a purpose-built, SIP-friendly US investing app, Vested Finance is a strong starting point.

Best for: Investors who want a dedicated US investing app with fractional SIP support and curated portfolio options.

2. INDmoney

INDmoney is one of the few Indian platforms to have explicitly launched a “SIP in US Stocks” feature. The platform allows you to set up recurring investments in individual US stocks and pre-built thematic baskets, and it covers the full LRS remittance process within the app.

INDmoney offers zero-commission trading on US stocks, which makes it attractive for frequent or recurring investing where transaction costs can add up. The app also has a curated list of top SIP picks in the US market, so you do not have to start from scratch when choosing what to invest in.

As an all-in-one financial app, INDmoney also tracks your Indian mutual funds, stocks, provident fund, and NPS alongside your US portfolio. This gives you a consolidated view of your entire investment portfolio in one place.

One thing to note is that while brokerage is zero, the foreign exchange spread on currency conversion is how the platform earns, so it is worth factoring in the effective cost of each conversion when planning your SIP amount.

Best for: Investors who want a dedicated SIP-in-US-stocks feature with zero brokerage and an all-in-one portfolio view.

3. Groww

Groww is one of India’s most popular investment platforms and offers a recurring investment option for US stocks alongside its Indian equity and mutual fund products. The platform charges $0.02 per trade, making it one of the most cost-effective options for regular investing in US markets.

For US stock SIPs, Groww lets you set up automated recurring purchases in individual stocks and ETFs. Its US ETF screener helps you filter by category, performance, and sector before committing to a recurring plan.

If you already use Groww for Indian mutual fund SIPs, adding a US stock SIP is a natural extension. The interface is familiar, the onboarding for the US investing module is quick, and the app provides performance tracking across both markets in a single view.

Groww is especially suitable for investors who are comfortable with the platform, want low fees, and prefer not to manage separate apps for Indian and US investments.

Best for: Existing Groww users and cost-conscious investors who want low-fee recurring US stock investments.

4. 5paisa

5paisa is a discount broker with a growing global investing section that includes access to US stocks and ETFs. The platform supports scheduled and recurring investment options in the US market through its international investing feature, which is powered via a tie-up with an international partner.

5paisa focuses on keeping costs low across its product range, and this extends to its US investing module. For investors who are already active on 5paisa for Indian equities or F&O and want to add a US stock SIP, it keeps everything within one brokerage relationship.

The global investing interface has improved but may feel less polished than dedicated US investing apps. The ETF and stock catalogue available for SIPs is also narrower than platforms like Vested or INDmoney. That said, for investors who prioritise cost and consolidation, 5paisa is a practical option.

Best for: Existing 5paisa users who want to add a US stock SIP without switching platforms.

5. Interactive Brokers

Interactive Brokers is a global brokerage with one of the widest selections of US stocks and ETFs available to Indian investors. It supports recurring investment orders, allowing you to automate purchases in any US stock or ETF at your chosen frequency.

The platform charges from $0.35 per trade or $0.005 per share, which becomes competitive at higher investment sizes. Interactive Brokers also offers multi-currency accounts, meaning you can hold USD in your account and invest without converting back and forth each time, reducing forex costs for large recurring investments.

The tradeoff is complexity. Interactive Brokers is designed for experienced investors and the interface requires more familiarity than consumer-focused apps. Account opening involves more documentation and takes longer than most Indian platforms.

For investors with larger SIP amounts, a need for advanced features, or a preference for direct access to US exchanges, Interactive Brokers offers depth and flexibility that other platforms on this list do not match.

Best for: Experienced investors with larger SIP amounts who want direct exchange access and the widest stock selection.

Comparison Table

| App | SIP / Recurring Feature | Min SIP Amount | Fees | Fractional Shares | Best For |

| Vested Finance | Yes (auto-invest + Vests) | $1 | Low | Yes | Dedicated US SIP, curated portfolios |

| INDmoney | Yes (explicit SIP feature) | Low | Zero brokerage | Yes | All-in-one SIP, zero commission |

| Groww | Yes (recurring investment) | Low | $0.02/trade | Yes | Low fees, existing Groww users |

| 5paisa | Yes (scheduled investing) | Low | Low | Partial | Existing 5paisa users |

| Interactive Brokers | Yes (recurring orders) | No minimum | From $0.35/trade | Yes | Large SIPs, experienced investors |

How to Start a US Stock SIP from India

Starting a recurring investment in US stocks takes just a few steps:

1. Choose your app: Pick a platform from the list above based on your investment size, preferred features, and existing accounts.

2. Complete KYC: Submit your PAN card, Aadhaar, and bank account details. Most platforms verify you within 24 to 48 hours.

3. Fund your account via LRS: Transfer INR from your bank to the platform’s designated remittance account. The platform converts it to USD under the RBI’s LRS framework.

4. Select your stock or ETF: Choose a US stock, ETF, or curated portfolio for your SIP.

5. Set the amount and frequency: Enter how much you want to invest per cycle (weekly, fortnightly, or monthly) and activate the recurring investment.

Once set up, the platform handles the rest. You can pause, modify, or stop the SIP at any time through the app.

Things to Keep in Mind Before Starting a US Stock SIP

A US stock SIP is a straightforward way to invest internationally, but there are a few things worth knowing before you start:

  • LRS limit: You can remit up to $250,000 per financial year under the RBI’s LRS. This is sufficient for most retail investors, but worth tracking if you invest across multiple platforms.
  • TCS on large remittances: Remittances above Rs. 10 lakh per year attract 20% Tax Collected at Source (TCS). This is adjustable when you file your ITR, so it is not a permanent cost, but it does affect short-term cash flow.
  • Forex charges: Currency conversion fees vary by platform. Even zero-brokerage platforms earn through the forex spread, so compare effective costs before committing to a recurring plan.
  • Market risk: US stocks, like all equities, can fall in value. A SIP reduces the risk of investing at the wrong time but does not eliminate market risk.
  • No guaranteed returns: Past performance of US indices or individual stocks does not guarantee future results.

FAQs

Can I set up a SIP in US stocks from India?

Yes. Several platforms including Vested Finance, INDmoney, and Groww allow you to set up recurring investments in US stocks using the RBI’s LRS route. The process is fully compliant and works similarly to a mutual fund SIP.

What is the minimum amount for a US stock SIP?

Platforms like Vested Finance support fractional investing, allowing you to start a US stock SIP with as little as $1 per cycle. The practical minimum varies by platform, but most allow small starting amounts to help you build the habit before scaling up.

Is US stock SIP better than mutual fund SIP?

They serve different purposes. A US stock SIP gives you direct ownership of US securities with full control over which stocks or ETFs you invest in. A mutual fund SIP in an international fund offers professional management and is simpler to manage from a tax and compliance standpoint. The right choice depends on your preference for control, cost tolerance, and familiarity with US markets.

How is US stock SIP taxed in India?

Gains on US stocks held for more than 24 months are taxed at 12.5% as long-term capital gains (LTCG). Gains on holdings under 24 months are taxed at your applicable income tax slab rate as short-term capital gains (STCG). Dividends from US stocks are subject to a 25% withholding tax in the US, which can be offset as a foreign tax credit under the India-US DTAA.

Which is the best app for US stock SIP in India?

Vested Finance and INDmoney are the top choices for most Indian investors. Vested is purpose-built for US investing with a clean SIP setup and curated Vests for diversified recurring investments. INDmoney is ideal if you want an explicit SIP-in-US-stocks feature with zero brokerage and an all-in-one portfolio view.

Conclusion

A US stock SIP is one of the most practical ways for Indian investors to build exposure to global markets gradually. By investing a fixed amount regularly, you benefit from rupee-cost averaging, dollar exposure, and the long-term compounding potential of top US companies.

Among the five apps covered, Vested Finance stands out for its dedicated US investing focus, fractional SIP support from $1, curated Vest portfolios, and full LRS compliance. Whether you are starting your first US investment or expanding an existing global portfolio, setting up a recurring investment through a reliable platform is a straightforward way to get started.