What is Mino and how does it work?

Mino parks your idle money in liquid mutual funds and lets you earn up to 7% a year. You can withdraw to your bank in minutes, any day. It is operated by Bullsurge Private Limited, an AMFI-registered Mutual Fund Distributor (ARN-185445).

Is Mino better than keeping money in a savings account?

Most savings accounts in India pay 2.5 to 3.5% a year. Liquid funds on Mino have historically returned around 6 to 7%. You can withdraw to your bank in minutes with no lock-in period. Mutual fund investments are subject to market risks.

Is Mino a bank account, fixed deposit, or mutual fund app?

Mino is not a bank account or fixed deposit. It is a smart savings platform powered by liquid mutual funds through Bullsurge Private Limited, an AMFI-registered Mutual Fund Distributor.

How fast can I withdraw my money through instant redemption?

Eligible instant redemptions may be processed in minutes, subject to AMC and RTA rules, limits, banking availability, and technical status.

Can I use Mino as an emergency fund?

Yes. Because withdrawals reach your bank in minutes, Mino works well as a place to keep your emergency fund. Your money earns more than it would in a savings account and stays just as accessible.

Are my returns on Mino guaranteed?

No. Returns are market-linked and not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.

Which mutual funds are available on Mino?

Mino supports eligible instant-redemption liquid funds from Axis AMC and HDFC AMC to prioritize institutional stability and speed.

The Best App to Park Idle Money in India for Maximum Returns

You have cash sitting in your bank account, waiting to be deployed. Maybe it's an emergency fund, maybe you're saving for a vacation, or maybe you're just waiting for the right market opportunity. Leaving it in a savings account is a missed opportunity. So, what is the best app to park idle money in India?

What to Look for in a Cash Parking App

When choosing a platform to park your idle cash, you need three things:

Safety: Is the platform regulated?
Returns: Does it beat inflation and savings accounts?
Liquidity: Can you get your money out instantly when an emergency strikes?

The Problem with Traditional Apps

Many stock-broking apps let you buy liquid funds, but they treat them like regular mutual funds—meaning you have to wait T+1 or T+2 days to get your money back. That doesn't work for an emergency fund.

Why Mino is the Best App to Park Idle Money in India

Mino is designed specifically for your idle cash.

Up to 7% Returns: Your money is parked in top-tier liquid mutual funds.
Instant Withdrawals: Unlike traditional brokers, Mino offers instant redemption. Your money is back in your bank account in minutes, even on weekends.
Goal-Based Pockets: Organize your idle cash into different "Pockets" for different goals.
SEBI-Regulated Partners: Your money is handled securely by institutions like Axis and HDFC AMCs.

How to Get Started

Getting started takes less than two minutes. Download the app, complete a quick KYC, and start earning up to 3x more on your idle savings today.