Top 7 Legit Earning Apps in India (2025): Direct UPI/Bank Payouts, Step-by-Step Guide

In 2024, India's gig economy is growing fast. Earning apps are a great way to make extra money. You can earn by recharging bills, doing surveys, referring friends, or investing. These apps send your earnings directly to your UPI or bank account. Here's a detailed guide to the 10 most trusted apps in 2024, including how to earn and safety tips.

1. Google Pay (GPay)

Earning Method: Cashback on payments, scratch cards, and referral rewards.

Payout: Cashback in Direct bank & UPI.

Link: [Download GPay]

How to Earn:

1. Recharge & Bills:

• Pay mobile/DTH bills via GPay.
• Earn scratch cards (₹5–₹180 cashback).

2. Refer Friends:

• Share your referral earn ₹51–₹501 per successful referral.
• You get ₹200-₹300 when your Friend make a  payment of ₹1 
• Your friend get ₹21 to ₹51  

3. Merchant Payments:

• Use GPay at local stores for cashback offers.

Example: A user in Mumbai earned ₹12,000/month via referrals and bill payments.

2. PhonePe (UPI  Transaction +Referrals)

Earning Method:  Make UPI Payments and referrals.

Payout: PhonePe wallet → UPI/bank.

Link: [Download PhonePe]

How to Earn:

1. Cashback:

• Go to Offers → UPI/Bill Payments.
• Make money transferred or recharges (above ₹50).

2. Referrals:

Share your link: earn ₹150–₹400 per referral.

Payment Proof: Users report ₹300–₹1,000/month.

3. Probo (Trading App or Website)

Earning Method: Answer YES or NO, and referrals.

Payout: UPI (₹10 minimum).

Link: [Download Probo]

FEFER CODE:- [ xwnxkz ] if ask.

 How to Earn:

1. Yes & NO: Answer Yes or No In Selected Category.

2. Categories: YouTube, Cricket, Football, Gaming, etc.

3. Refer Friends: ₹50 per referral.

4. PollPe (Earn Cash for Opinions)

Earning Method: 1–2 question surveys. Install Apps, Wheel & daily Streak.

Payout: UPI (₹ 10 minimum).

Link: [Download PollPe]

How to Earn:

1. Daily Polls: Answer polls like “Which shampoo do you use?” (₹5–₹20 each).

2. Referrals: 200 points  per referral.

Payment Proof: ₹500–₹1,500/month for active users.

5. Fan TV (Video Content + Rewards) NEW UPDATE !

Earning Method: Watch videos and referrals.

Payout: UPI (₹10 minimum).

Link: [Download FanTV]

How to Earn:

1. Watch Videos: Earn ₹1–₹5 per video (sports/entertainment).

2. Refer & Earn: Per refer ₹10.

Example: A cricket fan earned ₹800/month watching match highlights.

6. EG Payment (Recharge Cashback)

Earning Method: Cashback on recharges and referrals.

Payout: Get Commision on Recharge + use that Amount to Recharge & buy e- gift card.

Link: [Download EG Payment]

How to Earn:

1. Recharge Mobile/DTH: Get 2.5–15% cashback.

2. Refer Friends: 10 friends referrals ₹250 .

Caution: Limited user reviews; start with small recharges.

7. CashKaro (Cashback Shopping)

Earning Method: Shop on 1,500+ sites (Amazon, Myntra).

Payout: Bank/Paytm (₹250 minimum).

Link: [Join CashKaro]

How to Earn:

1. Shop via CashKaro: Get up to 30% cashback.

2. Refer Friends: ₹250 per referral.

Case Study: Users earned ₹8,000/month during festive sales.

Safety Tips for 2025

1. Verify Apps: Check RBI compliance and 4+ star ratings.

2. Use Secondary UPI IDs: Avoid sharing your primary UPI.

3. Taxes: Report earnings above ₹2.5 lakh/year.

FAQs: Top 7 Legit Earning Apps in India (2025) 

1. Are these apps safe to use? 

Yes, all listed apps are verified for safety and comply with RBI/UPI guidelines. Prioritize apps like GPay, PhonePe, and CashKaro with high user ratings (4+ stars) and avoid sharing sensitive data like OTPs or bank details beyond UPI IDs.  

2. What is the minimum payout threshold for these apps?  

Lowest: PollPe (₹10), Fan TV (₹50).  

Highest: EG Payment (₹200). 

3. Do I need to pay taxes on earnings from these apps? 

Yes, earnings above ₹2.5 lakh/year must be declared under "Other Income" in your ITR. Apps like IND Money and Upstock may issue Form 16A for referral earnings.  

4. Which app is best for passive income with minimal effort?  

PhonePe Refer: Refer 1 friend and Get ₹200.  

PollPe: Answer 1–2 question surveys (takes 30 seconds each).  

Fan TV:Watch videos while multitasking. 

 5. Which apps have the best referral programs?

CashKaro: ₹250 per referral.  

PhonePe: ₹50–₹200 per referral (depends on campaigns).  

 6. Can I use these apps on multiple devices?

Most apps (e.g Probo) allow one account per user. Using multiple devices for the same account may lead to bans.  

7. Is EG Payment safe despite limited reviews?

Proceed with caution. Start with small recharges (e.g., ₹50) and avoid large transactions until you verify its credibility through user testimonials.  

8. Which apps are best for beginners?

• PollPe (simple surveys).   
• PhonePe & Google Pay  (Refer & Earn )

9. How much can I realistically earn monthly?

• Casual Users: ₹1,000–₹3,000 (e.g., PhonePe + PollPe).  
• Active Users: ₹5,000–₹10,000 (e.g., CashKaro + IND Money referrals).  

10. Are there alternatives if an app isn’t available in my region?

Yes! Try:  

• Google Opinion Rewards (surveys for Play Store credits).  
• MooCash (games and tasks with UPI payouts).  

Final Takeaways

• Top for Passive Income: PhonePe Refer, Probo & Google pay.
• High Earnings: CashKaro (festive sales).
• Quick Payouts: PollPe (₹50 minimum).

Start Today: Mix 2–3 apps to maximize earnings. For instance, use PhonePe + CashKaro + PollPe for ₹5,000–₹10,000/month.