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

I am very disappointed with this app. Money was deducted from my account, but the amount was never credited back despite multiple attempts to contact customer support. There has been no proper response or resolution to my issue. This has caused me financial inconvenience and a loss of trust in the app. I would not recommend this app until they improve their customer service and refund process. Please be careful before using this app.

The UI is smooth and easy to use. A need-of-the-hour application that helps in creating a healthy saving habit. A few things that can be worked on are the theme of the application (optional) and the saved goals list. • Adding the 'saved goals' in the journey tab would provide easy access to multiple saved goals that haven't started. Congratulations on getting an UPI option!

I love the apps! Thank you so much to everyone ✔️ algorithms for improving the app performance and stability greatly. Not to mention being unable to use the app when it’s syncing because it literally stops responding until it’s done before the improvements arrived. The app is now sooo much faster to download and use without delays anymore. This syncing happens pretty much every time you open the app, start, stop, or edit an entry, so it was a real pain for many people before.

What's new

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