Groww allows Indian investors to buy US-listed stocks and ETFs directly through its app. However, investors must first activate their US Stocks account and transfer money from a linked Indian bank account to their USD balance before placing an order.
Investing in US stocks lets Indian investors diversify beyond domestic markets and gain exposure to companies and exchange-traded funds (ETFs) listed in the US. With US Stocks and ETFs now available on Groww, investors can explore over 10,000 investment options and manage their international holdings alongside their Indian investments.
The process involves a few additional steps compared with buying Indian shares. Investors need to activate the US Stocks segment, add funds in US dollars through an eligible Indian bank account and then place an order for their preferred stock or ETF.
Here`s how the process works, including how to add dollars, buy US shares and understand the associated charges.
How does the US Stocks account on Groww work?
Unlike Indian stock investments, where investors can use their existing Groww balance, US stock investments require a separate USD balance.
This is because investors must remit funds from an Indian bank account to the overseas brokerage account through the Liberalised Remittance Scheme (LRS).
The USD balance acts as the funding account for US stock investments. Once the money is credited, investors can use it to purchase supported US-listed stocks and ETFs. Proceeds from selling investments are also credited to this balance.
Investors cannot use their regular INR Groww balance to buy US stocks directly. They must first convert their Indian rupees into US dollars through the bank remittance process.
How to activate US Stocks on Groww?
Before adding money or placing an order, investors need to activate the US Stocks segment.
The process can be completed through the Groww app:
1. Open the Groww app and navigate to Products and tools.
2. Select US Stocks from the available options.
3. Browse through the available stocks and ETFs and select the investment you want to explore.
4. Tap Activate to begin the account activation process.
5. Review and confirm your personal details, including employment status, annual income bracket, and primary source of funds.
6. Complete the required declarations and submit the information for verification.
Investors also need to provide their PAN card and address proof during account opening. The submitted documents are verified by Groww`s US broker-dealer partner before the account is activated.
Once the account is active, investors can proceed with linking their bank account and adding funds.
How to add dollars to your US Stocks account on Groww?
Adding money to your USD balance is the first step toward buying US stocks. Groww facilitates this through online outward remittances from eligible Indian savings bank accounts.
The supported banks listed in Groww`s October 2026 product update are:
- HDFC Bank
- ICICI Bank
- State Bank of India (SBI)
- Axis Bank
- Kotak Mahindra Bank
Investors need to select an eligible bank account linked to their Groww profile. The account should also support outward remittances.
Steps to add money to your US Stocks balance
Step 1: Open the Add Money section
- Log in to the Groww app.
- Navigate to the Profile section (also shown as the You section in some app versions).
- Locate your US Stocks balance and tap Add money.
Step 2: Enter the amount and select your bank
- Enter the amount you want to transfer into your USD balance.
- Select your eligible bank account under Net Banking (Remittance).
- Tap the option to proceed with the payment.
Groww currently specifies a minimum funding amount of $100 for a USD deposit, with $50 allowed for the first deposit.
Step 3: Confirm your bank details
- Review your bank account details displayed on the confirmation screen.
- Enter the required customer ID and other bank-specific information, where applicable.
- Read the bank`s foreign outward remittance terms and conditions.
- Confirm the source of funds and complete the required declarations.
- Tick the consent box and tap Continue.
Step 4: Complete bank verification
Depending on the bank, you may be redirected to its secure payment or remittance portal.
You may need to log in with your net banking credentials, verify your identity with an OTP, or complete an additional authentication step. Keep your bank-registered mobile number handy to receive the required OTPs.
Step 5: Review and approve the transaction
Before confirming the payment, review the transaction amount, currency conversion rate, applicable bank charges and other details displayed on the bank`s payment page.
Approve the transaction to initiate the remittance.
Once the payment is completed, you will be redirected to Groww, where you can check the USD deposit status. The transaction details and payment progress can also be tracked through the All Transactions section of your USD balance.
How long does it take for the money to reflect in the USD balance?
Adding money to your US Stocks account involves multiple stages of remittance and currency conversion. Therefore, the amount may not appear in your USD balance immediately after it is debited from your Indian bank account.
The time taken can vary depending on the bank. Groww`s help centre indicates that transfers through Axis Bank and ICICI Bank may take up to 2 working days, while HDFC Bank transfers may take up to 3 working days.
Investors can track the transfer through the transaction status displayed in the app.
How to buy US stocks on Groww?
Once the money is credited to the USD balance, investors can start purchasing US-listed stocks and ETFs through the app.
The process is similar to buying Indian shares on Groww.
Step 1: Search for the stock or ETF
- Open the US Stocks section on the Groww app.
- Search for the company or ETF you want to invest in.
- Alternatively, browse through featured stocks, trending investments and available categories.
- Select the instrument to view its details and market information.
Step 2: Select Buy
Open the stock or ETF page and tap Buy to initiate the purchase.
Step 3: Enter the investment amount or quantity
Investors can enter either the amount they wish to invest or the number of shares they want to purchase.
One of the features of US stock investing on Groww is fractional investing. This means investors do not need to purchase an entire share to own a stake in a company.
For instance, if a stock trades at $500, an investor can buy $50 worth instead of a full share. This would represent 0.1 of a share, before accounting for applicable charges.
Groww supports amount-based orders starting at $1, allowing investors to purchase fractional shares.
Step 4: Review and place the order
Review the order details, including the investment amount, quantity and applicable charges. Ensure that sufficient funds are available in the USD balance before proceeding.
Once the details are confirmed, place the order through the app.
Investors can subsequently track their orders and US stock holdings through their Groww account.
What are the US stock market trading hours in India?
US stock markets operate in a different time zone from India. As a result, their opening and closing times in Indian Standard Time (IST) change throughout the year because the US observes Daylight Saving Time (DST).
The regular trading session for major US exchanges, including the New York Stock Exchange (NYSE) and Nasdaq, runs from 9:30 A.M. to 4:00 P.M. Eastern Time (ET), Monday to Friday.
The corresponding timings in India are:
Trading period | US Daylight Saving Time (IST) | US Standard Time (IST) |
Regular market opens | 7:00 P.M. | 8:00 P.M. |
Regular market closes | 1:30 A.M. (next day) | 2:30 A.M. (next day) |
The US generally follows Daylight Saving Time from March to November and Standard Time from November to March. In 2026, the switch back to Standard Time occurs on November 1.
Investors should also account for US market holidays, when exchanges remain closed. Also, pre-market and after-hours trading availability depends on the broker`s supported trading sessions and should not be assumed from the exchange`s overall operating hours.
What are the charges for investing in US stocks on Groww?
Apart from the amount invested, investors should account for brokerage, currency conversion costs and applicable regulatory charges.
Groww`s US Stocks pricing structure includes the following:
Charge | Applicable fee |
Account opening | $0 |
Account maintenance | $0 |
Brokerage | 0.1% of the trade value or $1 per executed order, whichever is higher |
Forex conversion | Charged by the bank at applicable rates |
US regulatory charges | Applicable SEC, FINRA and CAT fees |
Note: The pricing mentioned above is exclusive of GST
Groww does not charge a separate fee for adding dollars to the USD balance. However, the bank may levy currency conversion mark-ups, taxes and convenience charges while processing the outward remittance. The exact amount is displayed during the payment process.
The currency conversion rate matters because the final amount deducted in Indian rupees depends on the bank`s exchange rate and charges. Banks may typically apply a mark-up over live forex rates.
Investors should therefore consider the overall cost of funding and trading rather than looking at brokerage alone.
Can you withdraw money from your US Stocks account on Groww?
Yes. Investors can withdraw the available amount in their USD balance to their linked Indian savings bank account.
To initiate a withdrawal, open the USD balance section, enter the amount you wish to withdraw and submit the request.
Groww indicates that withdrawals generally take 3-5 working days to reach the Indian bank account. The money is credited to the same bank account used to add funds.
Final Thoughts
Buying US stocks on Groww involves activating the international investment segment, transferring money from an eligible Indian bank account and placing an order using the available USD balance. The platform also supports fractional investing, allowing investors to buy shares based on the amount they want to invest rather than buying whole shares. Understanding the funding minimum, bank processing timelines, currency conversion costs and US market hours can help investors navigate the process more effectively.
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