Best Platforms for Fractional Investing in US Stocks From India

For Indian retail investors, the high price of premium US stocks has historically been a major barrier to entry. A single share of global tech giants or holding companies can cost hundreds or even thousands of dollars – translating to tens of thousands of rupees.

Fractional investing completely eliminates this hurdle. By letting you buy a “slice” of a company for a specific dollar amount rather than a whole unit, you can build a diversified global portfolio with minimal capital. Through the Reserve Bank of India’s Liberalised Remittance Scheme (LRS), resident Indians can seamlessly remit funds to purchase these fractional units.

Today, numerous fintech platforms offer cross-border access, but finding an ecosystem that balances low costs, extensive asset availability, and a seamless interface is critical.

Below is a detailed look at the best platforms available today for fractional investing in US stocks from India, starting with the most comprehensive all-in-one ecosystem.

1. Groww

As India’s largest stockbroker, Groww has streamlined global wealth creation by offering a unified platform to manage both domestic Indian equities and US stocks.

Groww removes the friction of maintaining separate brokerage ecosystems, letting investors research, fund, and buy fractional shares of international tech giants alongside domestic mutual funds and stocks.

Groww’s US stocks offering is deeply integrated into its user-friendly interface. To meet the needs of cross-border retail investors, Groww’s features are designed to prioritise flexibility, cost transparency, and ease of use.

Key Features of US Stock Investing on Groww:

• Fractional Ownership from 1 USD: Groww’s fractional investing engine allows users to purchase portions of expensive shares for as little as $1. You can spread smaller amounts of capital across multiple premium global stocks without buying whole shares, effectively mitigating concentration risk.
• Massive Universe of 10,000+ Securities: Groww provides access to a heavily expanded asset pool of over 10,000 US-listed stocks and ETFs. This extensive stock discovery feature allows you to look well beyond popular mega-caps and find niche global businesses that align with your financial strategy.
• Frictionless Onboarding: Existing Groww users can activate their US stock accounts instantly with simple on-screen consent, entirely bypassing tedious paperwork and secondary KYC processes.
• Transparent Brokerage Structure: Cost clarity is paramount in cross-border investing. Groww charges zero account opening or maintenance fees. Brokerage is a straightforward 0.1% or $1 per executed order (whichever is higher), ensuring you know exactly what you are paying upfront.
• Native USD Dividend Tracking: Because US investments trade in dollars, returns depend on both stock performance and exchange rates. Groww manages this effortlessly via a dedicated USD balance. Dividends earned from eligible US securities are credited directly to this balance.
• Optimised AMO Order Experience: Because the US market opens late at night in India, Groww facilitates a smooth after-market order (AMO) experience. The platform actively prevents initial AMO rejections, helping you place trades outside regular US trading hours.
• Daily Trade Summaries & Email Statements: Groww generates daily trading-activity summaries and sends detailed email statements outlining the exact charges levied for the day’s transactions. This meticulous record-keeping is invaluable for accurate tax documentation.

2. Vested Finance

Vested Finance is a specialised, SEC-regulated platform built exclusively to bridge the gap between Indian investors and the US stock market. While it does not offer domestic Indian stocks natively, many investors use Vested specifically for its powerful cross-border fractional capabilities.

Key Features:

• Zero Commission Fractional Investing: The platform operates on a zero-brokerage model, significantly lowering the transaction barrier for retail investors making small fractional purchases of $1 to $5.
• Vested Stock Collections: Instead of picking individual tickers, investors can buy fractional units of curated thematic collections (e.g., SaaS, Clean Energy) to easily build diversified global portfolios.
• Tax Documents: Vested provides tailored W8-BEN processing and ready-to-use tax documents specifically designed to help Indian residents declare foreign capital gains easily.

3. INDmoney

INDmoney is a holistic financial super-app highly regarded for its US stocks module. It provides authorised access to global markets via its IFSCA (GIFT City) regulation and integrates banking solutions that streamline outward remittances for funding fractional share purchases.

Key Features:

• Automated SIP in Fractional Shares: INDmoney enables users to set up weekly or monthly Systematic Investment Plans (SIPs) in fractional US stocks or ETFs, auto-debiting specific rupee amounts from linked bank accounts.
• Zero-Fee US Stock Wallet: The platform offers highly competitive INR-to-USD exchange rates and promotes completely free withdrawals from its secure US stock wallet to your Indian bank.
• Free ITR Filing Assistance: INDmoney auto-computes foreign-asset schedules (Schedule FA) and offers one-click ITR filing, simplifying tax compliance for cross-border investors.

4. Dhan

Dhan is a rapid-growth, technology-first investing platform catering to active traders and long-term investors. By integrating US stock capabilities directly into its ecosystem via India INX (GIFT City), it allows users to buy fractional shares natively alongside their domestic trades.

Key Features:

• Accessible Fractional Ownership: Dhan allows users to invest in a vast universe of US stocks and ETFs starting with as little as $1 through seamless, real-time fractional execution.
• No Hidden Charges: The platform maintains a highly transparent fee structure, charging a flat 0.25% brokerage fee with absolutely zero account maintenance or fund withdrawal fees.
• Unified Experience: Investors gain consolidated visibility into their holdings, managing everything from domestic Indian equities to fractional shares of global tech giants within a single app.

5. Zerodha

Zerodha, a pioneer in India’s discount broking space, has expanded its offerings to include US stocks and ETFs. Operating compliantly under the GIFT City IFSC framework, it lets its large domestic user base buy fractional units globally directly through the Kite platform.

Key Features:

• Direct Kite Integration: Users can invest in fractional global markets directly from the Kite app through a dedicated Global wallet without needing a completely separate application interface.
• Fractional Units on Premium Assets: Zerodha supports fractional investing in over 3,000 top-tier US-listed equities and ETFs, including major index trackers like the S&P 500.
• Transparent Fee Caps: The platform charges a low brokerage fee of 0.1%, notably capping the maximum brokerage at $10 per trade to benefit high-volume investors.

Final Thoughts

Fractional investing makes it easy to build a portfolio that captures the explosive growth of the Indian economy while maintaining the stability and dominance of US tech giants. While specialised platforms like Vested and INDmoney offer fantastic zero-commission models and SIP automation, Groww stands out as the ultimate ecosystem for retail investors. As India’s largest stock broker, it brings domestic and international equity investments under one roof with zero friction. By combining access to over 10,000 global securities, fractional investing starting from just 1 USD, and instant onboarding, Groww delivers the most comprehensive, transparent, and accessible gateway to the global stock market.