FoodRidesBillsTravel
MONTHLY SPENDING MONEY₹50,000
ready for everyday life
01
Move your spending money
Set aside what you already expect to spend in a month—food orders, rides, groceries, shopping, UPI payments, travel and card bills.
India's spending account withUPI
Give yourspending moneya side hustle.
Earn more while it waits. Pay less when you spend.Your Spending Account puts everyday money to work. Multipl UPI turns that growth into CashFWD when you pay.
1 ADD MONEY~2.5%→up to 7%*
Earn more while it waits
2 PAY WITH MULTIPL UPI₹500→₹475effective
Pay less when you spend
Liquid mutual funds for higher returns · CashFWD for lower effective spend
*Historical liquid-fund returns, not guaranteed. Mutual fund investments are subject to market risks.
✓₹500PAID SUCCESSFULLY TOUBERPAID WITH MULTIPL SPENDING ACCOUNT
₹500 redeemed from liquid funds
UPI payment successful
Your money GREW first
Add moneyPay by UPIShop
🚕₹500₹475effective
UBERCashFWD ₹25
Actual Multipl onboarding experience
The story of your salary
Salary day
Your hard-earned money lands in your bank.
The smart moves
You move some of it towards EMIs and some towards long-term wealth.
The money left behind
Everything else stays right there—waiting for everyday life.
🍜Food orders🛒Groceries🎬Weekend movies🛍Shopping🚕Uber rides✈Travel💳Card bills
However you pay
UPI or credit card—every spend eventually comes back to that same bank balance.
And while it waits?
Your bank pays it only ~2.5% p.a.
Why leave your hard-earned money doing nothing?
Put it to work—until you put it to use.
How the side hustle works
Same money. Smarter place.
Give everyday spending money a better place to wait—and a simple way to leave.
01 / 04MONTHLY SPENDING MONEY₹50,000Food · rides · groceries · bills · travel₹₹
EARNING POTENTIALup to 7%*in liquid funds
02
We put it to work
Your balance is allocated to expert-selected liquid mutual funds in your name instead of lying idle in a bank.
SCAN & PAYThird Wave Coffee₹680✓ PAID INSTANTLY
24UPI ACCESS7
03
Spend as usual with UPI
Scan and pay for everyday life. Your balance is built to stay accessible—including eligible weekend flows.
UberSwiggyamazonzeptoMyntra
BRAND SAVINGS THIS MONTH+ ₹1,248on the spends you already make
04
Unlock brand discounts too
Choose from 100+ partner brands and add eligible discounts to the returns your money earned while it waited.
Spending, upgraded
CASHFWD UPI
Multipl UPI · Powered by CashFWD.
The UPI that helps you pay less.
Your spending money grows in liquid mutual funds until you need it. Pay with Multipl UPI, and those returns help you effectively pay less.
UPI PAYMENT₹680paid
→FROM RETURNS₹38earned while money waited
→EFFECTIVE COST₹642what the spend effectively cost
Illustrative example based on returns earned before the spend. Returns are not guaranteed. Mutual fund investments are subject to market risks.
Brands are part of the account
Your usual brands. Now worth more.
Estimate the brand savings available on spends you already make. Adjust each monthly amount to make the number yours.
U
Uberup to 4.5% off
S
Swiggyup to 3% off
Z
Zeptoup to 1.5% off
a
Amazonup to 1.5% off
PVR
PVR INOXup to 21% off
IKEA
IKEAup to 6% off
M
Myntraup to 4.5% off
The important bit
It's a mutual fund account. Not a wallet.
Your money is invested in liquid mutual funds allocated in your name. Multipl helps you move, manage and spend it—without pretending investing is risk-free.
AMFI registered
Built within India's mutual-fund distribution framework, with clear risk disclosures.
Your name. Your funds.
Investments are allocated to you—not held as a pooled Multipl wallet balance.
Built for access
Liquid funds are designed for short-term parking and high liquidity. Timelines can vary.
Bank-grade security
Protected account access and secured payment flows for every money movement.
AI Spend Analyzer · Beta
See where your money goes. Then make it work harder.
Answer five quick questions to uncover your everyday-spend pattern, potential brand savings and money that could be earning while it waits.
01 Map everyday spends02 Find hidden brand savings03 Build a smarter spending balance
Open analyzer ↗
↗ ₹3,286projected
One balance. A lot more life.
Money moves. So do you.
01 · Know what's workingYour spending balance and projected earnings, together.
02 · Move or spend simplyAdd money, send money, scan UPI or shop with brands.
03 · Stay in controlNo forced spending. Withdraw and manage funds as allowed.
More with Multipl
Spending money is the front door. Your bigger goals live here too.
When you're ready, Multipl's robo-advisory screens 1,400+ mutual funds for goal-fit recommendations.
PLANNED GOALS
✈
JAPAN TRIP₹3.2L goal
18 months▣
NEW PHONE₹85,000
◇
WEDDING FUND36 months
For dreams you can put a date on.
Travel, gadgets, weddings, home upgrades and other aspirational goals.
Explore Planned Goals →WEALTH GOALS₹50L2042
Wealth creationRetirementEmergency fund
For the future you want to build.
Wealth creation, retirement planning and a stronger financial safety net.
Explore Wealth Goals →Ask away
No jargon. Just answers.
What exactly is spending money?＋
The portion of your income you expect to use over the next month—food, rides, groceries, shopping, travel, UPI payments and card bills.
Is Multipl a bank account?＋
No. It uses liquid mutual funds under the hood and is positioned around money you intend to spend.
Are returns of 7% guaranteed?＋
No. Returns are market-linked and historical liquid-fund returns do not guarantee future performance.
Can I access the money instantly?＋
The experience is designed for high liquidity and UPI-led spending, including eligible 24/7 and weekend flows. Transaction timelines and eligibility can vary.
Ready when you are
Your money's side hustle starts here.
Get the Multipl app ↗Start small. Stay flexible. Spend smarter.