Best demat account to apply for IPOs in India

To apply for any IPO you need a demat and trading account. The table below compares India's widely used brokers on the four charges that matter most for an IPO investor — account opening, annual maintenance (AMC), delivery brokerage, and intraday brokerage. Charges are indicative and change often; confirm the latest on each broker's official site before opening an account.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

BrokerAccount OpeningAMCDelivery BrokerageIntraday Brokerage
Angel One
Full-service + discount hybrid
₹0₹0 first year (₹240/yr after, waived on conditions)₹0 (first 30 days), then ₹20 or 0.1%₹20 or 0.03% per orderOpen account →
Upstox
Backed by Ratan Tata, Tiger Global
₹0₹0 (plan-dependent)₹20 or 2.5% per order (whichever lower)₹20 or 0.05% per orderOpen account →
m.Stock (Mirae Asset)
Zero-brokerage lifetime plan
₹0 (one-time plan option for zero brokerage)₹0 lifetime₹0 on the zero-brokerage plan₹5–₹20 per order (plan-dependent)Open account →
Dhan
Options-trader focused
₹0₹0₹0 on delivery₹20 or 0.03% per orderOpen account →
5paisa
Listed company (IIFL group)
₹0₹0 (plan-dependent)₹20 per order (plan-dependent)₹20 per orderOpen account →
Paytm Money
Paytm ecosystem integration
₹0₹0₹20 or 2.5% per order (whichever lower)₹15 or 0.05% per orderOpen account →
Zerodha
India's largest broker by active clients
₹200 (online)₹300/yr₹0 on equity delivery₹20 or 0.03% per orderOpen account →
Groww
Beginner-friendly app
₹0₹0₹20 or 0.1% per order (whichever lower)₹20 or 0.1% per orderOpen account →

Disclosure: stoicHQ may earn a commission when you open a demat account through links on this page, at no extra cost to you. stoicHQ is not SEBI registered and does not provide investment advice; broker information is factual and for comparison only. Verify current charges on the broker's official site before opening an account.

Angel One

Investors who want a large, established broker with research and support alongside low charges.

Full-service + discount hybridLarge branch/AP networkAngel One app + research

Upstox

Active traders and investors who want quick digital onboarding and a streamlined app.

Backed by Ratan Tata, Tiger GlobalFast onboardingOptions-friendly interface

m.Stock (Mirae Asset)

Buy-and-hold investors who want a lifetime zero-AMC account and zero delivery brokerage.

Zero-brokerage lifetime planBacked by Mirae AssetLifetime free AMC

Dhan

Active traders who want an options-first platform with zero delivery brokerage.

Options-trader focusedFast IPO application flowTradingView integration

5paisa

Cost-conscious investors who want flat per-order pricing from a listed broker.

Listed company (IIFL group)Flat per-order pricingResearch add-ons

Paytm Money

First-time investors already inside the Paytm ecosystem who want a simple UPI-first flow.

Paytm ecosystem integrationSimple UPI-first onboardingMutual funds + stocks

Zerodha

Investors who prioritise India's most-used platform and zero delivery brokerage.

India's largest broker by active clientsKite platformConsole + Coin

Groww

Beginners who want the simplest mobile-first app for stocks and mutual funds.

Beginner-friendly appMutual funds + stocksLarge young-investor base

Related: Upcoming IPOs · IPO GMP today · Check IPO allotment status