In today’s digital world, everyone is searching for ways to earn money online without investment. The good news is — now you can actually make money right from your smartphone without spending a single rupee!
There are several “no-investment money earning apps” that allow you to earn daily income by completing small tasks, watching videos, referring friends, or promoting on social media. The more time and effort you put in, the higher your earnings grow.
These apps are especially useful for students, homemakers, freelancers, and part-time earners who want to make some extra income in their free time. If you’re looking to turn your idle hours into real money, these apps can be a great way to start.
Table of Contents
Best Apps to Earn Money Without Investment
1. Sikka App – Earn Without Any Investment
Sikka App is a rewards-based earning app where users can make money by completing small tasks, finishing offers, or referring friends. You earn Sikka Coins for every activity, which can later be converted into real money and withdrawn via UPI, Paytm, or bank transfer.
6 Easy Ways to Earn from Sikka App
- Daily Check-In Bonus
Simply log in daily and get reward coins. The more consecutive days you log in, the higher your bonus becomes.
💡 Tip: Never skip a day — it helps build your earning streak. - Complete Offers or Tasks
Earn coins by completing simple activities like:- Downloading apps
- Watching short videos
- Filling out surveys
- Signing up on websites
- Spin & Win Rewards
Spin the wheel daily to win coins or bonuses. It’s just like a lucky draw — fun and rewarding! - Refer & Earn
Share your referral code or link with friends. Every time someone joins and uses the app, you get a referral bonus.
💡 Tip: Active referrals = more earnings. - Watch Videos or Play Games
If you enjoy entertainment, you can earn coins just by watching videos or playing games. - Withdraw or Redeem Coins
Once you have enough coins, withdraw them easily to your UPI, Paytm, or bank account.
💡 Tip: Check the app for the minimum withdrawal limit before cashing out.
2. Meesho – Shopping & Earning App
Meesho is one of India’s most popular reselling apps where anyone can start an online business without any investment. You can choose from millions of products like clothes, shoes, jewelry, or home décor — and sell them at your own profit margin.
Meesho manages everything for you — from product delivery to payment processing — making it completely hassle-free.
5 Ways to Earn Money from Meesho
- Reselling Products
- Download the Meesho App
- Choose products you like
- Share them on WhatsApp, Instagram, or Facebook
- Add your profit margin
- Social Media Marketing
Promote Meesho products on your social media pages or groups to attract buyers and earn profits from every sale. - Affiliate Marketing
Meesho now offers an Affiliate Program. You can generate affiliate links for products and earn a commission whenever someone buys through your link. - Become a Meesho Supplier
If you make or sell your own products (like jewelry or clothing), you can register as a supplier and reach millions of customers. - Referral Bonus Program
Invite friends to join Meesho. When they place their first order, you earn a referral bonus — even if you don’t sell anything yourself.
How to Withdraw Earnings from Meesho
Meesho automatically transfers your weekly earnings directly to your bank account. You can track all your payments under the “Earnings” section in the app.
💡 Pro Tips:
- Share trending products
- Use WhatsApp Status & Instagram Stories
- Reply to customers quickly
- Stay consistent for higher sales
3. Gromo App – Earn by Recommending Financial Products
Gromo App lets you become a financial advisor and earn money by recommending financial products like credit cards, savings accounts, insurance, personal loans, or investment plans to others. No degree or investment needed — just your phone and internet connection.
How to Earn from Gromo App
- Sell Financial Products
Promote products from banks and financial companies through the app. You earn commissions ranging from ₹300 to ₹3000 per sale — depending on the product. - Refer & Earn
Invite others to join Gromo. When your referrals make sales, you earn a bonus from their activity — a great way to build passive income. - Earn Bonuses & Rewards
Complete monthly targets or special challenges to unlock additional bonuses apart from regular commissions. - Get Free Training & Certification
Gromo also offers free training courses where you learn how to talk to customers, recommend products, and increase your sales.
How Much Can You Earn?
Your income depends on your effort and consistency. Beginners usually earn between ₹5,000 to ₹20,000 per month, while experienced users or teams can make ₹50,000 to ₹1 lakh+ monthly.
4. Earn Reward App – Play, Watch, and Earn Cash
Earn Reward App is another trusted platform where you can earn cash, cashback, and reward points by completing fun and simple tasks such as watching videos, playing games, completing surveys, and referring friends.
All the points you collect can be redeemed as cash via Paytm, UPI, or bank transfer.
7 Ways to Earn from Earn Reward App
- Play Games & Earn
Play quiz, arcade, or spin-the-wheel games and collect points that can later be redeemed for money. - Watch Videos for Rewards
Watch short promotional videos and earn reward points for every view. - Complete Surveys
Share your opinions in surveys and earn money from market research companies. - Download New Apps
Download apps from the given list and use them for a few minutes to earn bonus rewards. - Refer & Earn
Invite friends and earn bonus points for every successful referral. - Daily Check-In Bonus
Open the app daily to get small but consistent daily rewards. - Complete Offers & Tasks
Finish simple offers like signing up on websites or playing quizzes to earn instant cash rewards.
Withdrawal Process
To withdraw your earnings:
Go to the “Withdraw” section → Enter your UPI or Paytm ID → Confirm the amount.
Most payments are processed within a few minutes. Minimum withdrawal is usually ₹10–₹50.
💡 Note: This app is 100% genuine and trusted by thousands of users across India.
FAQs – Apps to Earn Money Without Investment
1. What are “No-Investment Money Earning Apps”?
These are apps that allow you to earn money online without spending anything. You can earn by:
Watching videos
Filling surveys
Playing games
Referring friends
Completing small online tasks
All you need is a smartphone, internet, and a little time.
2. Can I really earn real money from these apps?
Yes, absolutely! But always choose trusted apps from the Google Play Store and check their reviews. Genuine apps transfer your earnings directly to Paytm, UPI, or bank accounts.
3. What are the main ways to earn from such apps?
You can earn through:
Playing games for rewards
Referral programs
Watching ads and videos
Filling surveys or feedback forms
Writing reviews or small content tasks
4. Which apps are the most popular in India?
Some of the top-rated and trusted earning apps are:
Google Opinion Rewards
Roz Dhan
Meesho
TaskBucks
Pocket Money
Swagbucks
CashKarma
5. Are these apps free or paid?
All genuine earning apps are completely free.
If any app asks for an upfront payment or deposit, avoid it — it’s likely a scam.
6. How and when do I get paid?
Most apps have a minimum withdrawal limit (₹50 or ₹100). Once you reach it, you can withdraw your balance directly to Paytm, UPI, or your bank account.
7. Can students or homemakers use these apps?
Definitely! These apps are perfect for students, homemakers, freelancers, and retirees. You just need 1–2 hours a day to earn decent pocket money or part-time income.
Final Words
Earning money without investment is no longer a dream. With these trusted earning apps, anyone can start making money online using just a smartphone. Whether you’re a student, a homemaker, or someone looking for side income, these apps can help you achieve your financial goals — easily and safely.
Start small, stay consistent, and you’ll soon see real results.