Best Zero Cost Franchise in India – Top 10 Franchise at Zero Investment in 2025

The franchise business has seen an impressive boom lately. Also, many young business enthusiasts are coming forward to leave their mark on the franchise industry.

Moreover, with new franchise businesses opening every other day, the competition in the franchise industry is growing rapidly.

However, many individuals are on the lookout for the Best Zero Investment Franchise in India.

Notably, with various booming franchises such as mutual fund distributorship, sub-broking, DSA, and agent models, the investment franchise sector offers vast business opportunities for aspiring entrepreneurs.

Therefore, to assist you in your search, we have compiled a list of the Top Zero Cost Franchise across various business models. So, without further ado, let’s dive into this blog.

Best Zero Investment Franchise in India – List of Top 10 Zero Cost Franchise

Let us check the Best Zero Fees Franchise in India.

The list above shows the Top Zero Fees Franchises in India. Moreover, each franchise business is unique. For instance, NJ Mutual Fund Distributor is one of India’s largest MFDs with no investment.

On the other hand, Zerodha is the top discount broker with zero investment. Similarly, HDFC Bank DSA is the most reputed bank in the country with zero franchise fees.

Also, the LIC Agent is the most recognised insurance brand with zero deposit fees. All these brands have shown significant growth over the years.

Also, they have given immense opportunities for business enthusiasts. In addition to being the Best Zero Cost Franchise Opportunity, these brands also offer unique features that set them apart from others.

The features usually include digital onboarding, zero to little exchange charges, minimal office fees, extended back-office support, a vast client base, etc.

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Notably, the franchise business in India is witnessing never-before-seen attention and growth.

It is all thanks to customers’ growing financial knowledge and the way brands are promoting themselves in the market.

Coming to our list of franchise industries, all brands commonly offer a Franchise with No Investment. In addition, they charge only operational costs, ranging from Rs.25,000 to Rs.60,000, which are optional.

Furthermore, the exchange charges differ from model to model. For example, for a sub-broker franchise, the exchange charges an onboarding fee of up to Rs.5,000.

On the other hand, other franchises do not charge a single penny in the name of exchange charges. In addition to all these, there are training and registration costs.

These costs also vary from model to model. While some brands charge small fees up to Rs.7,000, others do not charge training fees.

NJ Mutual Fund Distributor – Best Zero Cost Franchise in India

NJ Mutual Fund Distributor has risen to prominence for its outstanding services in the mutual fund distribution sector in India.

Also, with over 5,000 distributors working for it, it is one of the top zero investment franchises in the country.

Moreover, the distributors cater to investors’ diverse needs by offering a range of portfolios.

In addition to products, NJ MFD also provides good infrastructure and support to its distributors.

With its back-office platform, lead reports, advisory support, and marketing support, it is one of the Best Zero Cost Franchise in India.

Why Start a Zero Investment Franchise Business with NJ?

• Notably, enthusiastic individuals can obtain the NJ Mutual fund distributor franchise with no investment.
• Also, distributors can earn decent monthly profits of up to Rs.82,595 with an ROI of 2-3 months.
• Besides, its dashboard features include lead addition, client portfolio reports, lead addition and deletion, monthly payout report, and more.
• Also, it provides significant support to its distributors through advisory services, webinars, acquisitions, products, and more.
• Moreover, the revenue sharing at NJ is 1% to 2% of AUM.

Zerodha Sub Broker – Top 10 Zero Investment Franchise in India

Zerodha needs no introduction. It has secured a top spot in the brokerage industry with its amazing features.

Also, with over 5000+ sub-brokers working under its wings, it is the finest sub-broker serving thousands of clients across the country.

Moreover, the brokerage firm is known for its low-cost trading model.

Besides, it offers a wide range of investment products, including derivatives, currencies, mutual funds, IPOs, and commodities.

Also, it secured a spot in the Top 10 Zero Investment Franchise thanks to its amazing dashboard features.

Why Start a Zero Fees Franchise Opportunity with Zerodha?

• Firstly, individuals interested in joining a sub-broker firm can rely on Zerodha, which offers a zero-investment franchise model.
• Also, the revenue sharing is 30% to 50% of revenue, which is very impressive.
• Moreover, the payout time is 30 days, and the breakeven time is only two months.
• Furthermore, there will be a one-time exchange charge of Rs.11,000.
• In addition, on average, a sub-broker at Zerodha with 300 active clients can earn up to Rs.1,20,000 per month from the franchise business.

HDFC Bank DSA – Top Zero Cost Franchise in India

HDFC Bank is one of India’s top banks with a wide network and a vast customer base. Notably, it has a diverse product portfolio.

Also, among all the services the bank offers, its DSA program is top-notch and is one of the Top Zero Cost Franchise in India.

Moreover, in this program, the DSAs sell loan products to the customers. In addition, the loan products include personal, home, auto, and business loans.

Furthermore, the DSAs earn decent commission from the bank for selling these loan products.

Coming to the numbers, the bank has around 1000+ DSAs. Also, the commission structure varies by loan type.

Why Start a Zero Cost Franchise with HDFC Bank?

• To begin with, compared to other franchise models that require an upfront fee, HDFC DSA offers a zero cost franchise model.
• Also, the earning potential at HDFC is relatively high, reaching up to Rs.61,500.
• Moreover, the bank sanctions a home loan of Rs.1,20,00,000, for which the agent can earn Rs.48,000 in commission.
• Furthermore, it becomes really easy for the DSAs to onboard clients with the bank’s existing trust and credibility.
• Ultimately, with the established name, infrastructure support, dedicated RM, etc, it is effortless to find balance in the business.

LIC Agent – Best Low Investment Franchise in India

LIC is India’s largest life insurance company. Moreover, it has an extensive agent network and significant market presence.

Also, with over 14 lakh agents, the agent network offers numerous insurance plans to customers across the country.

In addition to the insurance plans, the company also provides ULIPs, health plans, etc.

Besides, the brand offers franchise opportunities for interested individuals. In the insurance industry, LIC is the Best Low Investment Franchise in India.

Also, it provides strong support for its agents through infrastructure, dashboards, training, and more.

Why Start a No Investment Franchise Business with LIC?

• Partnering with LIC is no less than an achievement for agents, as it has a fantastic reputation among the public and is also easy to attract clients.
• Also, the portfolio is diverse and has a long list of top-performing products.
• Moreover, with no investment, agents can earn commissions of 2% to 6% on life insurance, 15% on health insurance, and 2% to 4% on ULIPs.
• Furthermore, the estimated monthly profit is approximately Rs.62,500.
• LIC offers agents an excellent appreciation through rewards. Also, it encourages the agents by providing unwavering support.

Upstox Sub Broker – Top No Investment Franchise Opportunities

When we talk about technology, we must speak of Upstox. With a low-cost model, it has brought sub-broker business to everyone’s reach.

Also, it has a broader reach, making it one of the go-to business models in the country.

With as many as 3,500+ authorised partners working under it, joining it as a sub-broker at zero investment is a great option.

Also, through their partner program, the brokers can easily onboard clients. Moreover, accessing the trading platform is a piece of cake.

Furthermore, with every client activity and revenue generation, the sub-brokers can earn a decent commission.

Why Start a No Fee Franchise Opportunity with Upstox?

• First and foremost, the Upstox brand is a renowned name in the trading industry, and joining it means establishing a successful franchise business.
• Secondly, it provides Top No Investment Franchise Opportunities to the aspiring sub-brokers who can earn a monthly profit of approximately Rs.1,11,000.
• Also, with Upstox, the payout will happen in just 30 days, and similarly, the breakeven time is 2 months.
• Regarding commission rates, it offers investors a range of 30% to 50%.
• Moreover, the brand offers a client acquisition fee of Rs.300 per client.

Kfintech Mutual Fund Distributor – Top 10 Franchise without Investment

KFin Technologies is also a prominent player in the fintech industry.

It is one of the Top 10 Franchises without Investment. Also, with its mutual fund distributor franchise, it rose to fame.

With its advanced technology and support, it offers outstanding services to its customers. Aspiring individuals can start their franchise business as an MFD with KFintech at zero cost.

Moreover, the commission is very reasonable, ranging from 0.6% to 1.2% of AUM.

Also, the average monthly profit is about Rs.83,650, with a breakeven in 1 to 2 months. Furthermore, Kfintech offers digital back-office support along with an advanced dashboard.

Why Start a No Cost Franchise with Kfintech?

• Like its peers on this list, Kfintech also offers a zero investment franchise model to its distributors.
• Also, the brand uses the latest application, IRIS, for distributors, which allows them to easily access advanced tools for onboarding clients, managing AUM, transactions, etc.
• Moreover, distributors can scale their income by onboarding more clients and contributing to AUM growth.
• Furthermore, the client acquisition cost is Rs.555, which is high compared to peers.
• Lastly, Kfintech distributors have access to both the website and an app, where they can find the latest features to ease their work.

5Paisa Sub Broker – Best Free Franchise Business in India

5 Paisa is a well-known discount broking firm in India. Notably, it offers trading and investment services to the clients.

Also, with over 3000+ authorised persons working for it, it is the Best Free Franchise Business in India. Moreover, 5Paisa does not charge a security deposit to sub-brokers who wish to join.

Nevertheless, infrastructure and office setup costs will be there. Besides, 5Pasia offers a wide range of products, including equity, derivatives, currencies, commodities, mutual funds, and IPOs.

Interested individuals can join 5Paisa as sub-brokers and earn a decent income by selling products to potential clients.

Why Start a Free Franchise Business with 5Paisa?

• The infrastructure costs to set up an office are negligible.
• Also, the revenue-sharing rate 5Paisa offers is quite impressive: 30% to 50%. Additionally, sub-brokers can earn Rs. 555 per client acquisition.
• Moreover, 5Paisa offers a strong online presence and a digital-first approach, making client acquisition easier.
• Furthermore, with a good number of active clients, the sub-brokers can earn up to Rs.120, Rs.250 per month.
• The sub-broker has access to a wide range of exclusive products, which helps diversify clients’ portfolios.

Poonawalla Fincorp DSA – Top Zero Cost Franchise Business

Poonawalla Fincorp is also one of the most popular NBFCs in India.

Its direct selling agent program came into light, thanks to its consumer and MSME practices.

Also, its expanding distribution strategy is one of the reasons it is on our Top Zero Cost Franchise Business list.

Moreover, it is the most trusted company, and so is its DSA program.

The DSAs can sell numerous loan products to the customers and earn commissions.

By catering to customers’ diverse loan needs, agents can earn pretty good commissions.

Why Start a Free Franchise Opportunity with Poonawalla Fincorp?

• Poonawalla is a brand with grand credibility. The company is technology-driven and offers the best services to its clients.
• Also, the product range is long-standing and covers essential loan types, including personal, credit, business, and auto loans.
• Moreover, the commission structure is lucrative. For example, for a business loan, the commission is 2.% to 3% of the loan value.
• Furthermore, with zero initial investment and a breakeven period of 3 to 6 months, Poonawalla is the most trusted brand.
• Notably, DSAs can scale their businesses by acquiring more clients and gradually increasing their commissions.

Tata AIA Agent – Top 10 Zero Investment Franchise in India

Tata AIA also needs no introduction. Customers identify its top-notch services with its brand name itself.

With a network of 1.3 lakh+ agents, it is one of the most trusted companies in the fintech industry.

The brand offers life insurance products and ULIPs to its customers at discounted prices.

It is listed in the Top 10 Zero Investment Franchises in India list for its ability to offer excellent growth opportunities for individuals seeking a successful career in the fintech industry.

With the brand’s credibility and customer trust, achieving higher sales conversion rates is effortless.

Why Start a Zero Investment Franchise with Tata AIA?

• Firstly, the brand provides exceptional support to its agents through training, advanced dashboards, service infrastructure, etc.
• Also, with the brand’s credibility among the crowds, it is very easy to attract customers.
• Moreover, with zero investment cost and minimal registration and infrastructure costs, Tata AIA offers an ideal opportunity for individuals seeking a platform to explore entrepreneurship.
• In addition, the brand offers an attractive commission of 2% to 6% of the premium for life insurance products.
• Furthermore, the company stands firm in providing support to its agents for back-office support, dashboard access, lead addition, client portfolio reports, etc.

Paytm Money Sub Broker – Best Zero Fees Franchise of India

Paytm Money is a very well-known fintech brand, especially with digital customers.

The brand has gained popularity through its online platform and later expanded into various fintech businesses, including a sub-broker business.

The brand, through its sub-broker program, has been offering trading, mutual funds and other popular services to its customers.

With over 1,000 sub-brokers working as partners in its network, it is eyeing big numbers through effective client acquisition.

Moreover, like its peers on this list, it is also offering the Best Zero Fees Franchise in India.

Why Start a Franchise without Cost with Paytm Money?

• The security deposit to join Paytm Money as a sub-broker is reportedly zero, making it easy for any aspiring businessperson to enter.
• Also, the partners are said to take a 30% to 40% share of the revenue generated as commission.
• Moreover, for every new client acquisition, the company offers Rs.250 to the sub-broker.
• Furthermore, the breakeven time is just 1 to 2 months, which turns around so quickly.
• Lastly, with the already established brand recognition, it is easy for the clients to onboard new clients and build trust.

Best Zero Cost Franchise in India – Conclusion

In summary, these are the top zero investment franchises in India. Also, all the brands listed here in this blog have unique traits and features to offer.

Moreover, the aspiring agents, sub-brokers or DSAs can check their eligibility and join the respective fintech companies to grow and scale their income over time.

Ultimately, choosing the Best Zero Investment Franchise in India depends on factors such as income potential, growth potential, brand reputation, support, and more.

While some may prefer brands that offer higher commissions, others may value consistent growth and training support.

Therefore, it’s essential to thoroughly research each franchise model’s features and join the company that aligns with your goals.