Multipl: High Yield Account

Multipl Fintech Solutions Private Limited

About this app

Multipl is India's first high-yield account that earns while you spend.
The money you keep for food, groceries and travel - it sits idle in your bank earning almost nothing until you spend it. Earn up to 7%* returns via Liquid Mutual Funds while unlocking exclusive discounts from Amazon, Swiggy, Myntra and 100+ brands. No lock-in, no minimum balance, AMFI regulated.

Tired of your savings account paying 2.5%? Multipl gives you near-FD returns on the same money you use for daily spending and lets you withdraw it instantly, 24×7. Over 5 Lakh Indians already use Multipl to earn more on idle money.

That's a liquid fund spending account and Multipl is the only one.

WHY MULTIPL

Your savings account is costing you money. Every month you keep ₹1 Lakh in a 2.5% savings account instead of a liquid mutual fund, you lose roughly ₹400. Over a year, that's ₹4,500+ gone.

Multipl fixes this. Add money, earn up to 7%* daily annualised from a liquid mutual fund, spend at partner brands or withdraw to your bank — all with zero lock-in.

KEY FEATURES

💰 EARN UP TO 7%* DAILY ANNUALISED FROM A LIQUID MUTUAL FUND
Your money goes into AMFI-regulated liquid mutual funds the moment you add it. Returns are calculated daily and credited to your balance - no waiting for maturity, no FD-style lock-in period.

⚡ INSTANT WITHDRAWAL - ANYTIME, 24×7
Withdraw to your bank account in minutes, any time of day, including weekends and bank holidays. Your money is never locked. Unlike fixed deposits, you never pay a penalty for early withdrawal.

🎁 DISCOUNTS AT 100+ PARTNER BRANDS
Spend your Multipl balance at Swiggy, Zomato, Amazon, Myntra, Uber, MakeMyTrip and 100+ brands — and unlock exclusive member discounts on every transaction. Earn while it sits. Save when you spend.

🎯 GIFT CARDS AT EXCLUSIVE PRICES
Buy brand gift cards from top Indian retailers at special member prices. Stack gift card savings on top of your daily liquid fund returns for maximum value on every purchase.

🔒 AMFI REGULATED - NOT A STARTUP WALLET
Unlike fintech wallets, your money is invested in regulated liquid mutual funds managed by ICICI Prudential, Axis Mutual Funds & more. AMFI regulated. Safe, transparent.

📈 BETTER THAN FD FOR SHORT-TERM MONEY
Liquid mutual funds offer near-FD returns without the lock-in period. Ideal for salary buffers, emergency funds, or money you plan to spend in the next 1–90 days. More flexible than a fixed deposit, better returns than a savings account.

💳 SMARTER THAN A CREDIT CARD FOR REWARDS
Credit cards give you 1–2% cashback after you spend. Multipl earns you up to 7%* before you spend — plus brand discounts when you do. No interest charges. No debt. Just returns.

HOW MULTIPL WORKS

Step 1 — Add money
Transfer via UPI, net banking, or bank transfer. Invested in liquid mutual funds immediately.

Step 2 — Earn every day
Up to 7%* p.a. calculated daily and credited to your Multipl balance. Watch your money grow while you decide what to do with it.

Step 3 — Spend or withdraw
Use at 100+ partner brands for exclusive discounts or withdraw to your bank in minutes, any time of day.

WHO IS MULTIPL FOR

✅ Salaried professionals keeping a buffer in savings accounts earning 2.5%
✅ Anyone comparing liquid fund apps or high yield savings accounts in India
✅ People who spend regularly at Swiggy, Zomato, Amazon, Myntra, or MakeMyTrip
✅ Investors looking for a liquid alternative to FDs and RDs
✅ Anyone who wants better savings interest rates without lock-in

TRUST & CREDENTIALS
• 5 Lakh+ active users earning daily
• ₹110 Cr+ assets under management
• 4.2★ rated on Google Play
• AMFI Registered | Liquid funds via ICICI Prudential, Axis Mutual Funds & More

ARN No: 319633
Support: [e-mail]
Website: multipl.xyz

*Returns are indicative (based on underlying fund performance) and not assured. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Ratings and reviews

Since yesterday, I have been unable to access the Multipl app. When I open the app, it prompts me to add nominee details. However, after entering the information and clicking "Proceed", I receive the following error message: "Your profile details cannot be updated at this time". Really disappointed. I really thought this was a good app. But I won't recommend this to anyone

I have created the account and invested some amount. yesterday I tried opening it and it was showing Under maintenance now I have opened it and it is saying the user has not found. I don't understand who developed this and now I'm not able to login. don't invest a single penny also. Invest only if you want to lose the money in it. when ever I'm trying to click on login it is showing "your profile details can not be updated at the moment "

i have invested 20k in this and after 3 days when i went see how my investment us doing, the app ask me for my profile uodate and it has got stuck at add nominee details, when i select I'll do it later or when i fill nominee details it keeps saying couldn't update your profile now and its stuck at that screen, its quite frustrating as im not able to acces my fund and I can't withdraw them

What’s new

We keep improving Multipl so that you can keep on Enjoying Life, Debt Free
This update brings
- UI improvements