10 Ways to Earn Money Online: Without Investment in 2024

Discover 10 ways to earn money online in 2024 without investment. Increase your income with these easy, effective methods to make money online.


Welcome Welcome Dosto!

Have you ever thought about getting fired with a 'Sorry, We don't have enough funds' excuse?

Yeah, we've got those genius bosses who think that's a good reason. But hey, why should we be the ones to stress about their funny money problems?

So, what's our next move?

Earn Money Online Right?

In this blog, we'll explore various methods to make money online without any investment, all while keeping your original job intact.

I'll walk you through each online money earning method, as I've personally tried and tested every method of making money online mentioned below for several months.

No worries, your brother here has got your back with guidance!

Chaliye shuru karte hai!! (ever heard this before haha!!)

Online Income Streams Table
Type Rating Estimated Earnings/month
Sell and Earn Apps 9.5 Upto ₹1,00,000
Build a website 9.5 ₹20K to ₹5 Lakhs
Make Online Courses 8.5 ₹1K to ₹1.20 Lakhs
Sell Photographs and Graphics 8 ₹20K to ₹30K
Blogging 9 ₹10K to ₹90K
Sell/Rent Used Items 8.5 ₹100 to ₹40K
Publish Paid Newsletters 9 ₹5K to ₹60K
Become an Influencer 8 ₹20K to ₹2 Lakhs
Build an App 8.5 ₹5 Lakhs to ₹20 Lakhs
Participate in surveys for money 7.5 ₹10 to ₹19.5K

Why is it a Good Idea to Earn Money Online?

Ever notice how some of us hit 'broke mode' by month-end, while others are real overachievers, going broke by the 10th after tackling those EMIs and credit card bills?

Oh wait, we shouldn't laugh... but come on, just a little chuckle, right? Haha!

Seriously though, we've got to find a solution. I'm part of the 'Broke by the 10th' club too!

Trying to make it through the month on just water is a real challenge... I mean, I gave it a shot and ended up with a 'water-logged' situation, if you know what I mean!

Okay sorry, my jokes might not be top-notch, but hey, at least I'm always here to share my wild wisdom with you all!

After reading this blog you will also be able to earn money online!!

Trust me, Please!

Top 10 Ways to Earn Money Online: In-Depth Analysis

In this section, we'll reveal all the secrets of earning money online, and guide you on the necessary skills required, potential earnings, and the time needed to hit that dream income figure.

So are you ready to earn money online?

Let's go!!!

Sell and Earn Apps - Earn Money Online - GroMo
Sell and Earn Apps

1. Sell and Earn Apps

Yes, now there's no need to rent a shop, stock up inventory, and wait for customers.

You can sell right from the comfort of your home and earn money online. But you might wonder, what should you sell and where?

Why fear when your brother is here!! (Apologies for that terrible joke – I guess I've reached my limit in humor!)

GroMo has got you covered, from savings accounts and credit cards to UPI and loans.

Your job? Simply sell these products.

Wondering about customers? Look no further than your own circle of family and friends. Help them open savings accounts or apply for loans, and in return, earn a good commission.

It's a win-win for both sides!

  • Estimated Income:

This app provides you with one of the easiest ways to earn money online.

Starting from day one, you can earn thousands – and this is no joke when it comes to making money online.

GroMo offers a variety of financial products, including savings accounts and loans, from well-known banks like HDFC, SBI, Yes Bank, AU Small Finance, and others.

The more you sell, the more you earn. I work at this company and have witnessed people making lakhs per month.

After a successful sale, expect your payout within 7 to 10 days.

Here's an estimate of earnings for selling products in each category:
- Credit Card: Earn up to ₹3500
- Personal Loan: Earn up to 4% commission
- Savings Account: Earn up to ₹1300
- Demat Account: Earn up to ₹1750
- Credit Line: Earn up to ₹1400
- Investment Products: Earn up to ₹1200
- UPI Transactions: Earn ₹90 per new account

  • Skills Required:

The key skill needed here is the ability to match the right product with the right person.

You can master this skill by initially selling financial products to your family and friends. As you gain confidence, you can then start approaching new customers.

Moreover, to enhance your selling abilities, free training sessions are provided on the app. These are designed to teach you effective selling techniques and improve your overall financial knowledge.

  • Time Required:

It won't require much of your time. Dedicating just 2-3 hours a day could potentially earn you ₹2,000 to ₹3,000 daily, depending on the products you sell.

  • Our Review: 9.5/10

Can we trust this App?

Yes, the app seems trustworthy, as it has been downloaded by over 3.5 million users and has received a 4.4-star rating from more than 45,000 people on the Play Store.

This opportunity requires no investment and only a little of your time. You don't have to be a financial expert to sell these products; just a basic understanding will do the job.

Also, check these out:

  1. How To Refer And Earn In Two Simple Steps? - GroMo
  2. How To Earn Money From Home: Become A GroMo Partner
  3. Money Earning Apps: Online Without Investment
  4. GroMo Fintech App: Innovation to Earn Money Without Investment
Build a website - Earn money online - GroMo
Build a website

2. Build a Website

You can make money online by creating websites for clients, and there are many ways to do it.

Trust me, there's a lot you can do in this field, and it can be quite profitable.

To start with, you can offer consultation to understand what the client needs. Then, design and develop the website. You can also write content and do SEO for them.

But Kalpit (FYI that's my name) we don't know how to build a website...

I know I know... if I'm not here to help, then what's the point of me being here?

  • Estimated Income:

For a simple website: You can earn from ₹20,000 to ₹50,000
For a complex website: It can go up from ₹2,00,000 to ₹5,00,000

  • Skills Required:

To be great at making websites, you need to learn some important skills.

But hey, I won't just leave you to figure it out alone. I'll show you where you can learn all this stuff for free on YouTube. Yes, you heard it right – totally free!

There are multiple languages that you would need to learn in your website-building journey forward which includes HTML and JavaScript.

Apart from this, you would need to learn some additional skills like Web Design, Web hosting, and Domain Management.

  1. HTML/CSS and JavaScript:

I have mentioned two free sources below which are tried and tested ones.

a) If you are comfortable in English: The Net Ninja

b) If you are comfortable in Hindi: CodeWithHarry

  1. Web Designing and Web Hosting:

a) If you are comfortable in Hindi: Thapa Technical

b) If you are comfortable in English: WPBeginner - WordPress Tutorials

  • Time Required:

The time it takes to achieve the estimated income can vary from person to person.

While learning the basics of the skills mentioned below might not take more than a month or two, becoming a master in them will definitely require more time and mental effort.

  • Our Review: 9.5/10

You should definitely consider this field, as the demand for website creation is growing rapidly.

There's a great chance of landing projects in the freelancing world because your potential customers are all around the globe.

And when they pay in dollars, you'll feel that all your hard work was truly worth it.

Now that you're equipped with the right knowledge and skills, you're ready to dive into the market and start to earn money online!

Make Online Courses - Earn Money Online - GroMo
Make Online Courses

3. Make Online Courses

Selling online courses can be quite profitable, especially if they are in a niche where you have expertise or passion.

It's important to remember that the primary goal of your course should be to educate people about a subject you're knowledgeable in, rather than just focusing on earning money online.

Always Remember,

Paiso Ke Peeche Mat Bhaago, Excellence Ka Peecha Karo, paise Jhak Maarke Tumhare Peeche Ayege.

Today's Gyan from Kalpit Das Chanchad, LOL

Let's talk Business!!

  • Estimated Income:

Online earnings can range from as low as ₹1,000 to as high as ₹10 lakhs, but it largely hinges on your mindset and approach.

The way you craft your strategy to boost sales plays a crucial role. And to be completely upfront, marketing your content is just as vital as creating it.

But don't worry, I've got everything you need laid out below.

  • Detailed Process:

No rocket science here...

You just stick to the process religiously, and everything will fall into place on its own.

Step 1: Determine your subject or field and understand the likely concerns of your target audience

Step 2: Organize your course into modules or sections with engaging content like videos, texts, PDFs, and quizzes

Step 3: Choose a Platform: Udemy, Coursera, or Skillshare

Step 4: Market your course with digital strategies including email marketing, social media promotion on Facebook and Instagram, and paid ads on Google or social media

Step 5: Collect student feedback post-launch to improve your course

Step 6: Regularly update your course to ensure it stays up to date with the latest information and trends

  • Skills Required:

If you're already an expert in your field, it won't take too much time.

Here are two areas you might need to work on:

  1. Improving how you talk and present yourself on camera.
  2. Learning the basics of promoting your courses on social media. If you can grab attention and build trust with your audience naturally, you won't have to spend any money on it.
  • Our Review: 8.5/10

If you're an expert in at least one area or have relevant experience, you should definitely think about sharing your knowledge with others in this field.

One issue you might encounter is that your earnings from the courses can change a lot, and you might see a sudden decrease in income.

To handle this, you should keep updating and regularly promoting your courses.

Sell Photographs and Graphics Online - Earn Money Online - GroMo
Sell Photographs and Graphics Online

4. Sell Photographs and Graphics Online

Are you Serious Kalpit?

Absolutely, I'm serious! Those amazing photos sitting in your gallery could actually make you earn money online.

You never considered that, did you?

Not only photographers, but graphic designers too have fantastic opportunities waiting for them.

So, let's explore how to earn money online doing what you love.

  • Estimated Income:

As a new contributor, if you consistently upload high-quality, in-demand images/graphics, you might earn anywhere from a few hundred to a few thousand rupees per month.

Experienced contributors with a large, diverse portfolio can earn significantly more, potentially in the tens of thousands of Rupees monthly.

  • Skills Required:

--> For Photography:

Que. Who should consider using these online money earning websites?

Ans. For those with a natural knack for photography, it's easier, though it doesn't mean others can't learn. If you already have a sense of framing a shot, you might just need a bit of polishing.

Here are some suggestions from which you can definitely improve your photography skills:

  1. Peter McKinnon: This channel provides clear, comprehensive photography tutorials for all levels, including vital post-processing techniques.
  2. Tony & Chelsea Northrup: This channel covers everything from technical skills and composition to post-processing, along with useful gear reviews and critiques.

-->For Graphics:

You only need to master two software programs; the rest you can adapt to and learn over time as needed.

1. For 2D Graphics:

Adobe Illustrator: Tutvid provides a variety of Adobe Illustrator tutorials, from beginner basics to advanced techniques for experienced users.

2. For 3D Graphics:

Autodesk 3ds Max: Arrimus 3D provides extensive Autodesk 3ds Max tutorials, from basics to advanced, with clear, practical instructions suitable for beginners and experts.

  • Time Required:

--> Learning photography doesn't require a lot of time; it's more about gradually mastering the skill over time.

--> It takes about 6 to 9 months to reach an intermediate level in Adobe Illustrator. Mastering it may require an additional year or so, depending on your passion and learning speed.

--> It takes roughly 1 to 1.5 years to achieve an intermediate level in Autodesk 3ds Max, with mastery requiring several more years of dedication.

  • Our Review: 8.0/10

Consider becoming a graphic designer to earn money online only if you're genuinely interested in making it your career, as it requires a considerable investment of time.

I say this from experience, having seen people in this industry who are incredibly creative and dedicated.

It can be the ideal way of earning money online for students.

Blogging - Earn Money Online - GroMo

5. Blogging

This is one of my favorite methods for making money online.

The convenience in this field is unparalleled, as you're writing about your favorite topics and subjects you're passionate about discussing.

The great thing about blogging is the ability to use humorous puns, as I often do.

Over time, you'll build an audience that feels like family, and you can engage with them as if you're chatting with a friend.

  • Estimated Income:

In the beginning, you might earn only a small amount or even nothing at all, especially in the first few months to a year of starting a blog.

Yes, you heard that right. You might not earn anything for up to a year, but that doesn't mean you're not making progress. You're building your audience – the 'family' we talked about – who will eventually help you earn money by consistently moving forward.

As you progress in your blogging journey, you'll begin to earn from a few thousand to lakhs per month through AdSense, sponsorships, and affiliate links.

  • Skills Required:

There are a few key skills you need to master to excel in this field:

1. Content writing: You can acquire this skill in just a few weeks, but the real significant growth happens when you actively apply what you've learned.

Top free platforms to learn this skill: Neil Patel

2. SEO(Search Engine Optimization): SEO is a crucial skill for bloggers. The effectiveness of your website's SEO determines its ranking position and traffic volume. Not just the quantity, but also the quality of your visitors plays a key role in defining the revenue your website generates.

The Best platform to learn all about SEO for free UmarTazkeer

3. Basic HTML: There's no need to master this skill if you are at a beginner or intermediate level. Learning HTML can provide you with an advantage over other bloggers.

The Best Learning Source for Basic HTML: The Net Ninja

  • Time Required:

If you're fully dedicated, learning the above-mentioned skills to earn money online shouldn't take more than a month or two.

All you need is to practice, strategize your content, and target the right keywords, and then you'll be all set.

But keep in mind, if you're aiming for that ₹1 lakh/ month goal, you need to be patient and consistent with your content.

  • Our Review: 9.0/10

Blogging is a viable online money earning option for those passionate about writing and sharing knowledge.

It demands patience, consistency, and SEO understanding. While it takes time to generate significant income, with the right strategies in content creation and monetization, blogging can be a rewarding and sustainable career choice for individuals who want to earn money online.

Sell/Rent Used Items - Earn Money Online - GroMo
Sell/Rent Used Items

6. Sell/Rent Used Items

This concept is no longer a Western concept anymore because in India also we have a significantly big market for that.

The Indian market for selling used things, which includes a wide range of products like electronics, cars, clothes, and furniture, is filled with good business opportunities.

This market isn't too crowded on a big scale, so there's a good chance to start with something small and grow into a big, local success.

  • Estimated Income:

At first, how much you make will really depend on what you are renting or selling.

For example, if you rent out a good DSLR camera for a day, you could make about ₹1500 to ₹2000. As you get more things to rent out, your earnings can go up.

This means the more you have to offer, the more you can earn.

You can make anything from ₹100 to several lakhs of rupees.

  • Time Required:

You can begin this business in a very simple way: by selling or renting out your own things that you don't use much but are still in good shape.

As you progress, consider buying products specifically to rent them out. This can help you create a long-lasting business.

With a solid plan, it's possible to start making a good profit in just about six months.

  • Our Review: 8.5/10

Renting is a great business that can start with little or no initial investment. It can quickly become profitable. As you add more items to rent out, your earnings can really grow.

However, one challenge is collecting rent on time. Sometimes, people delay or refuse to pay. Handling this is important.

If you ever need help with tough situations, feel free to call me. If I'm nearby, I'll try to run away.

Also, check these out:

  1. 10 Best Earning Apps for Students Without Investment 2023
  2. Earn Money Online By Selling Insurance Online
  3. GroMo Partner: Benefits Of Becoming A GroMo Partner
  4. Earn Commission By Selling Credit Cards Online
Publish Paid Newsletters - Earn Money Online - GroMo
Publish Paid Newsletters

7. Publish Paid Newsletters

Hold on, what exactly are Newsletters?

Newsletters go beyond ordinary emails; they're informative emails designed to educate.

Covering a range of topics that talk about widespread interest, newsletters offer valuable content that people are often willing to pay for.

For Example: for marketing enthusiasts, your newsletter will talk about the diverse marketing strategies employed by various companies and how brands craft their messages to trigger specific emotions, fostering a deeper connection with their audience.

Additionally, it can discuss the do's and don'ts of effective marketing, offering insights into what makes a strategy successful.

  • Estimated Income:

Start by focusing on creating great content rather than making money online. The better and more interesting your content, the more people you'll attract.

In the first 6 months, expect to earn around ₹1000 to ₹5000. This depends on your subscription plan (initially it should be low-priced) and the number of subscribers you have.

After 6 months, once you've built a loyal fanbase for your newsletter, you can consider raising your subscription price.

You might also promote your newsletter through paid channels, which could significantly increase your earnings, potentially reaching several thousand or even lakhs.

  • Skills Required:

There are a few key skills you need to master to excel in this field:

1. Content writing: The skill of content writing is important as it greatly determines the impact of content representation.

Mastering content writing enables you to establish a connection with your readers and effectively engage them, keeping them interested in your platform for an extended period.

You can learn this skill for free from this YouTube channel: Writing Revolt by Jorden

2. In-Depth Content Research:

Many people skip this part of creating content, but I want to make it clear that it's really important.

The content you create shows how credible you are as a publisher and how much detail you've put into the topic.

You can learn Content research from this YouTube channel: Valuetainment

  • Time Required:

If you see this as a passive activity and don't plan to put in much effort, you might start earning a small income in 2 to 3 months.

However, if you're truly passionate and want to pursue this long-term, it could take a year or two to start making a substantial, steady income.

The choice is yours!!

  • Our Review: 9.0/10

Publishing paid newsletters is ideal for those deeply passionate and knowledgeable about a particular topic.

If that sounds like you, there's potential for you to make money online from it.

Plus, it doesn't require any investment, so go for it, Guyzzz and galzzz!


Become an Influencer - Earn Money Online - GroMo
Become an Influencer

8. Become an Influencer

Influencers have a prominent presence across social media platforms like Instagram, Facebook, and YouTube covering a diverse range of topics.

If you're a fashion influencer, for instance, your content might focus on the latest fashion trends, celebrity style choices, shopping tips, and personal experiences.

As your content engages a wider audience and your follower numbers grow, you'll likely see more opportunities for sponsorships and paid promotions, which can significantly boost your earning possibilities.

  • Estimated Income:

Earning money online as an influencer varies greatly depending on your stage and level of influence in the industry.

The early phase of your influencer journey might be challenging while you build your follower base from scratch, but as your followers increase, you can also expect a significant uptick in your online earnings.

Talking from my personal experience, in the early days, your earnings are likely to be minimal, often close to zero.

Once your followers hit the 100K milestone, you can anticipate earnings of around ₹20,000 from sponsorships and Google Ads. Beyond this point, your income is likely to continue growing.

  • Skills Required:

Communication skills: How well you present the information is the most important part because more or less everyone has the same knowledge that you have but how you present it will make all the difference.

You can learn communication skills from Science of People

Creativity: It helps you make intelligent choices of topics when to upload your content, craft engaging hooks, and simplify complex concepts into easily understandable terms.

You can boost your creativity by watching a variety of shows from different genres and countries. This exposes you to different ways of thinking and doing things, which can help spark more creative ideas.

  • Time Required:

Initially, it may take a while, but often, it's just one viral piece that skyrockets your followers from 100 to 100K.

Sponsorships and paid partnerships can arrive at any stage depending on your content, but they typically start rolling in after you cross the 100K followers/subscribers threshold.

  • Our Review: 8.0/10

It's a competitive arena, but I've observed that with a unique idea, you can quickly rise to the top and earn money online.

However, if you're doing what thousands of others are, it might take much longer to make your first significant breakthrough.

Lakho me ek bano, Lakho me se ek nahi

Build an App - Earn Money Online - GroMo
Build an App

9. Build an App

Making an app is a good way to make money from the growing use of mobile technology.

You can earn by creating apps that people pay for, or by selling your apps to businesses. Another good idea is to offer a free app and then make money from things people buy within the app or run ads.

Besides earning money online, making an app is also a great way to get better at coding.

  • Estimated Income:

The money you make from app development depends on the app's category and its complexity.

For a simple app, you can earn between ₹8,30,000 and ₹25,00,000.

If the app is of medium complexity, the earnings range from ₹33,00,000 to ₹65,00,000.

And for highly complex apps, you could earn from ₹83,00,000 up to ₹1,50,00,000.

  • Skills Required:

For those who like coding but are beginners, here are some easy-to-use app makers:

1. Appy Pie: This tool is straightforward, using just four steps to help you make an app that's easy to use. Prices are between ₹1200 and ₹5000 per month for each app.

2. AppInstitute: Great for busy small business owners, this tool lets you build mobile apps easily without needing to know how to code. It costs between ₹5500 and ₹23,000 per month.

3. Mobincube: This is a user-friendly tool for creating an app in just four steps. It's free to start, but if you want more features, it costs between ₹3300 and ₹1,10,000 per year.

  • Time Required:

How long it takes to develop an app depends on how complex it is.

a) For a simple app, it usually takes 2 to 3 months.
b) An app with medium complexity might take 5 to 10 months.
c) And for really complex apps, it can take 10 months or even longer.

  • Our Review: 8.5/10

You can work in app development if you know how to make apps and want to learn more in this area.

This field is all about skills, not about your background or degree.

I say yes to this as a career option, but remember, learning takes time and also earning money online.

If you want to make money online fast, this isn't for you.

Participate in surveys for money - Earn Money Online - GroMo
Participate in surveys for money

10. Participate in Surveys for Money

You can earn money online from home by filling out online surveys, but it won't be a lot.

Most survey websites give small rewards, often in the form of gift cards instead of cash.

Popular sites for these surveys are Swagbucks, Surveoo, and Google Opinion Rewards.

  • Estimated Income:

Swagbucks lets you get gift cards once you earn ₹250, but if you want cash through PayPal, you need to earn ₹2,100 first.

On Surveoo there are quite a few paid surveys available, and the best earners might make up to ₹19,500 a month. However, don't count on making this much every month. It's still a good way to earn money online.

  • Time Required:

The more time you spend on the app, the more surveys you're likely to get.

With each survey, you increase your chances of earning.

So, spending more time on the app can lead to better earnings.

  • Our Review: 7.5/10

Survey apps offer a convenient way to earn extra cash or rewards in your spare time, appealing to those seeking flexible earning opportunities.

However, their earning potential is typically low, and the availability of surveys can vary, potentially limiting earnings.

Users should also be cautious of privacy concerns and choose reputable apps to ensure a safe and positive experience.

How to Choose the Best Way to Earn Money Online

After looking at 10 Ways to Earn Money Online, it's time to pick the right one for you.

Here's how to choose the right online money-making method for you:

  • Effort Required: Consider the time and effort needed to start and run the business. Do you already have the necessary skills or experience?

  • Cost: Most of the online earning methods mentioned don't need much investment to start. Still, check if you have the funds for the ones that do.

  • Your Interest: Pick an area you're passionate about, not just something that seems like a quick way to make money.

  • Long-Term Potential: Think about whether this idea can earn you good money in the long run and possibly turn into a career.


  1. You can earn money online by selling financial products, with potential earnings increasing based on selling skills.
  2. Creating and selling online courses or photographs can be profitable if you have expertise in those areas, though it requires time and effort.
  3. Blogging and influencing on social media are viable online money making options, focusing on unique content to monetize effectively.
  4. Renting or selling used items is an accessible way to earn money online with minimal investment.
  5. Developing mobile apps offers substantial earning potential but requires coding skills and time investment.
  6. Participating in paid surveys can provide extra income, though it's generally low and depends on the time you invest in these apps.

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