India App Quality Report · Q4 2026 · Investing & trading
What breaks in India's investing and trading apps
On 23 October 2026 we read the 224 reviews Google Play shows on 14 of India's most-used investing and trading apps. 13.8% describe the app malfunctioning — above the 10.7% across all 187 apps in the India App Quality Report.
Features that don't work lead, at 3.1% of reviews
Share of the category's storefront reviews that describe each kind of malfunction, against the same share across all 187 apps.
What to test first in investing and trading apps
- Order placement and status when the market opens. Features that don't work (7) and wrong or stale data (6) lead this category's malfunction reviews. Test cases →
- Prices, holdings and P&L after the app comes back from the background or the network switches. Test cases →
- Adding funds: the bank debit and the credit to the trading balance must match, with a clear status in between. Test cases →
- Two-factor login and session timeouts during market hours. Test cases →
The 14 apps we read
| App | Rating | Installs | Days since update | Reviews read | Malfunction reviews | Main problem |
|---|---|---|---|---|---|---|
| 5paisa | 4.3★ | 1Cr+ | 28 | 18 | 2 | Crashes, freezes, won't open |
| Angel One | 4.4★ | 10Cr+ | 30 | 18 | 1 | Login & OTP failures |
| CoinDCX | 4.5★ | 1Cr+ | 37 | 18 | 2 | Wrong or stale data |
| CoinSwitch | 4.4★ | 1Cr+ | 2 | 18 | 3 | A feature doesn't work |
| Dhan | 4.2★ | 1Cr+ | 31 | 14 | 0 | – |
| ET Money | 4.4★ | 1Cr+ | 28 | 18 | 2 | Crashes, freezes, won't open |
| Groww | 4.8★ | 10Cr+ | 21 | 18 | 4 | A feature doesn't work |
| INDmoney | 4.6★ | 1Cr+ | 33 | 18 | 3 | Payment & UPI failures |
| Jar | 4.7★ | 5Cr+ | 30 | 18 | 1 | Slow or laggy |
| Kuvera | 4.4★ | 10L+ | 29 | 6 | 1 | Crashes, freezes, won't open |
| Motilal Oswal MO Trader | 3.3★ | 10L+ | 16 | 6 | 3 | A feature doesn't work |
| Paytm Money | 4.5★ | 1Cr+ | 8 | 18 | 0 | – |
| Upstox | 4.3★ | 1Cr+ | 4 | 18 | 4 | Wrong or stale data |
| Zerodha Kite | 4.4★ | 1Cr+ | 59 | 18 | 5 | Payment & UPI failures |
Per-app counts are small samples of what each storefront showed on 23 October 2026 (up to 18 reviews for apps with 1 crore+ installs, up to 6 for smaller apps). Google changes which reviews it shows, so read them as a snapshot, not a verdict on an app.
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How these numbers were made
We loaded each app's Google Play India store page on 23 October 2026 and recorded every review shown: up to three per language, in English and Hindi for every app and also in Bengali, Marathi, Telugu and Tamil for apps with 1 crore or more installs. Each review was coded for the one main problem it describes against a written codebook, and a second coder re-coded a random sample blind (92.1% agreement on whether a review describes a malfunction). A review counts as a malfunction when its main problem is a crash or freeze, a login or OTP failure, a failed payment, a feature that doesn't work, slowness or wrong data. Ranges are 95% Wilson intervals. Full method, codebook and limits are in the report.
Cite as: 99tests (2026). India App Quality Report, Q4 2026 — Investing & trading. https://99tests.com/research/app-quality/trading-apps. Data CC BY 4.0. Google Play is a trademark of Google LLC; this page is not affiliated with or endorsed by Google or any app developer named.
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