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ET Money review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ET Money suits Indian savers who want a fixed deposit and commission-free mutual funds under the same app. Rates are fixed at 6.41% to 7.75% and terms run 12 to 60, so the return is set in advance at the cost of a waiting period before the money moves.

Key facts

Best for
Indian savers who want a fixed rate and can leave the money locked for a term.
Minimum investment
₹500↗
Regulators
SEBI, BE NBB↗
Investor protection
EU ICS up to EUR 20,000↗
Legal entity
Money International↗
Headquarters
Belgium↗
Founded
2015↗
Support channels
Email, Help-centre, Community↗
Official website
etmoney.com

Savings

Headline rate
6.41% to 7.75%↗
Rate type
Fixed↗
Term
12 to 60 months↗
Minimum deposit
₹25,000↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Lock-in 3 months; no withdrawal up to 3 months from deposit; after 6 months premature withdrawal pays interest 2% lower than the booked rate↗
Monthly fee
₹0↗
Account kind
Fixed↗
Pricing model
Commission-free

Personal insurance

Premium from
₹519↗
Insurance types
Life, Health↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
INR 1,00,00,000 term life cover↗
Claims channels
ET Money assistance for claims, Cashless network hospital, Reimbursement at non-network hospital↗
Age range
term cover available to age 99, entry from 18 years↗

Brokers

Markets
Stocks, Funds↗
Features
Mobile app

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
XLinkedInt.me

Pros and cons

Pros

  • The fixed rate locks the return when the deposit is booked, so nothing is reset later.
  • Regulated in India by SEBI under INA100006898 and in Belgium by BE_NBB under PSD_PI BE_NBB!0475445104.
  • The same app covers the deposit, the investments and term cover, with monthly payments on the insurance side.

Cons

  • The fixed structure locks money in: breaking the term early pays a lower rate than the one booked.
  • A fixed deposit asks INR 25,000 to open, well above the INR 500 needed to start investing.
  • Support runs on email, help centre and community only, so help comes by email and the help centre rather than a phone line.
ET Money

Ready to try ET Money?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Indian households with a fixed saving goal who can leave the deposit alone for the whole term.
  • New investors who want funds and stocks without a commission, entering at INR 500.
  • People who want savings and cover handled from a single app, with monthly payments available.

Who should look elsewhere

  • Anyone starting with the smallest possible outlay: Empower Personal Dashboard sets its minimum investment at $0.
  • Dollar investors after a lower entry point: Axos Invest begins at $100.
  • People who want a broad trading platform rather than a rupee deposit: eToro starts portfolios at $500.

Rates and card terms

ET Money places deposits at a fixed rate, and the headline rate is 6.41% to 7.75%. Terms run 12 to 60, so a saver can take a shorter placement or commit for the longer stretch. Because the rate is fixed, the return does not drift while the deposit is open, which makes it predictable at the cost of access.

Deposit protection

ET Money is regulated on both sides of its business by SEBI and BE NBB. The Indian permission is INA100006898 and the Belgian registration PSD_PI BE_NBB!0475445104, so the firm is authorised to serve Indian and European customers. A compensation arrangement applies, with a ceiling of EU ICS up to EUR 20,000.

How ET Money compares

Where ET Money is available

Available
Belgium, India
Licence in India
SEBI (INA100006898), checked September 26, 2026
Licence in Belgium
BE_NBB (PSD_PI BE_NBB!0475445104), checked September 26, 2026, also valid in Belgium

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to open and hold an account?+

Opening the fixed deposit account costs INR 0 a month, and mutual fund investing carries no commission. The costs that matter are the INR 25,000 starting deposit and the lock-in that comes with it, rather than a platform charge to hold the account.

How much is needed to get started?+

Mutual fund investing starts at INR 500, low enough to begin with a modest amount, while a fixed deposit asks INR 25,000 to open. That gap decides which product a small saver can actually use, so check both figures before committing.

Who regulates ET Money?+

ET Money carries two permissions: INA100006898 in India and PSD_PI BE_NBB!0475445104 in Belgium, under SEBI and BE NBB. Each identifier can be checked on the regulator's own register, and the one that matches where you live is the relevant record.

What happens to the money if the firm fails?+

A compensation arrangement applies with a ceiling of EU ICS up to EUR 20,000. That is a cap on what can be claimed back, not a return on the deposit and not a promise of the balance. Indian customers sit under SEBI rather than that European limit.

Can I take the money out early?+

Not without giving something up. The account is a fixed account with a lock-in period, and a premature withdrawal pays a lower rate than the rate booked at the time. Pick a term that fits cash you can genuinely leave alone.

Does ET Money do more than savings?+

Yes. Alongside the deposit, it brokers cover with types listed as life and health and premiums from INR 519. Monthly payments are available, and claims run through ET Money assistance for claims, cashless network hospital and reimbursement at non network hospital. It is a broker, so the insurer is named on the policy.

What do I get on the app?+

The investment side covers stocks and funds, and the mobile app is where deposits and investments are managed together. Help comes by email, help centre and community, so a written answer is the usual route. The company was founded in 2015.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Management fee.

ET Money

ET Money

Indian savers who want a fixed rate and can leave the money locked for a term.

9.2/10See alternatives