Best Demat Account in India 2026

Zerodha, Groww, Angel One, Upstox, ICICI Direct - kaunsa sabse sasta hai? Zero brokerage, Free AMC, Best app. Beginners se pros tak ke liye complete comparison.

Updated: October 2026

Demat Account matlab shares khareedne-bechne ka account. 2026 me 15 Crore+ log demat account use kar rahe hain. Lekin 90% log galat broker choose karte hain aur ₹5,000-₹20,000 saal ke brokerage me waste kar dete hain.

💡 S2i Tip: Brokerage Kitna Farq Dalta Hai?

₹1 Lakh ka trade: Zerodha me ₹20, ICICI Direct me ₹275. Mahine ke 20 trades = Zerodha ₹400 vs ICICI ₹5,500. Saal ka difference ₹61,200! Isliye sasta broker chuno.

Brokerage Calculator - Kitna Kharcha Hoga?

Monthly Brokerage Cost
₹400
Yearly: ₹4,800

Top 5 Demat Accounts Comparison 2026

Broker Name Account Opening AMC Charges Brokerage Equity Best For
Zerodha ₹200 ₹300/year ₹20 flat Active Traders
Groww Free Free ₹20 flat Beginners
Angel One Free ₹240/year ₹20 flat IPO + Mutual Funds
Upstox Free ₹150/year ₹20 flat Mobile Trading
ICICI Direct ₹975 ₹700/year 0.55% 3-in-1 Account
#1 Best Overall
Zerodha Kite
1.2 Crore+ Users | No.1 Broker
Brokerage
₹20 Flat

Kyu #1 Hai: Sabse zyada trust. Kite app fastest hai. Varsity se free learning. Coin pe direct mutual funds. Sensibull free. ₹20 flat brokerage - ₹10 Crore ka trade bhi ₹20 me.

✓
Account Opening: ₹200 online, 15 min me
✓
AMC: ₹300/year - demat maintenance
✓
Equity Delivery: ₹0 - Bilkul free
✓
Intraday/F&O: ₹20 per order ya 0.03%
✓
Features: Kite, Console, Coin, Varsity, Sensibull
✓
Support: Ticket system, 24-48hr response
Zerodha Demat Open Kare - ₹200 →
#2 Best for Beginners
Groww
2 Crore+ Users | Simplest App
Brokerage
₹20 Flat

Kyu Beginners Ke Liye Best: Account free me khulta hai. AMC bhi free lifetime. App sabse simple - 60 saal ke uncle bhi chala lenge. Mutual funds, Stocks, IPO sab ek jagah.

✓
Account Opening: ₹0 - Bilkul free
✓
AMC: ₹0 Lifetime free - sabse bada fayda
✓
Equity Delivery: ₹20 per order
✓
Intraday/F&O: ₹20 per order ya 0.05%
✓
Features: Super simple UI, IPO apply, MTF
✓
Support: Chat + Call, quick response
Groww Free Demat Open Kare →
#3 Best Research
Angel One
1.5 Crore+ Users | ARQ AI
Brokerage
₹20 Flat

Kyu Best Hai: ARQ AI se stock recommendations. SmartAPI free. Angel BEE mutual funds. Advisory calls free. IPO apply sabse easy. 25+ saal purana broker - trust level high.

✓
Account Opening: ₹0 - Free hai
✓
AMC: ₹240/year - 1st year free
✓
Equity Delivery: ₹0 - Free hai
✓
Intraday/F&O: ₹20 per order
✓
Features: ARQ, SmartAPI, Angel BEE, Research
✓
Support: 11 languages, 24x7 call
Angel One Free Account Open Kare →
#4 Cheapest AMC
Upstox Pro
1 Crore+ Users | Tiger Global Backed
Brokerage
₹20 Flat

Kyu Le: AMC sirf ₹150/year - sabse sasta. Pro Web platform fast hai. Options trading ke liye best. Referral se ₹500 tak mil jata hai.

✓
Account Opening: ₹0 - Free hai
✓
AMC: ₹150/year - sabse kam
✓
Equity Delivery: ₹20 per order
✓
Intraday/F&O: ₹20 per order
✓
Features: Pro Web, Options Chain, GTT
✓
Support: Chat, Email, Call
Upstox Free Demat Open Kare →
#5 Full Service
ICICI Direct
3-in-1 Account | Bank + Demat + Trading
Brokerage
0.55%

Kab Le: ICICI Bank account hai? IPO me invest karna hai? Research chahiye? Tab le. Nahi to mehnga hai. ₹1 Lakh trade pe ₹550 brokerage vs Zerodha ₹20.

✓
Account Opening: ₹975 - Mehnga hai
✓
AMC: ₹700/year - sabse zyada
✓
Equity Delivery: 0.55% - ₹1L pe ₹550
✓
Intraday: 0.05% min ₹20
✓
Features: 3-in-1, IPO, Research, Advisory
✓
Support: Branch support, RM available
ICICI Direct 3-in-1 Open Kare →

Demat Account Kaise Choose Kare? 5 Point Checklist

1. Brokerage Charges Dekho

Active Trader: Zerodha, Upstox, Angel One - ₹20 flat. Mahine me 20+ trades karte ho to yahi lo.
Investor: Groww, Zerodha - Delivery free hai. Buy and hold karte ho to brokerage matter nahi karta.
Beginner: Groww - AMC free, app simple, learning curve nahi.

2. AMC Charges Compare Karo

Groww ₹0, Upstox ₹150, Zerodha ₹300, Angel One ₹240, ICICI ₹700. 5 saal me ICICI ₹3,500 lega, Groww ₹0. Difference ₹3,500 ka hai.

3. App & Platform Quality

Zerodha Kite: Fastest, pro traders ke liye. Groww: Simplest, beginners ke liye. Angel One: Research best. Upstox Pro: Options traders ke liye. Demo try karo pehle.

4. Hidden Charges Check Karo

DP charges ₹13.5 per sell, Call & Trade ₹50, SMS ₹10/month, Physical statement ₹50. Ye sab add ho jata hai. Zerodha, Groww transparent hain.

5. Customer Support

Zerodha - Ticket system, slow. Groww - Chat fast. Angel One - Call support best. ICICI - Branch support. Problem ho to kaun help karega wo dekho.

Frequently Asked Questions

Demat account kholne ke liye kitna paisa chahiye?
₹0 se ₹975 tak. Groww, Upstox, Angel One free hain. Zerodha ₹200 leta hai. ICICI ₹975. AMC alag se ₹0-₹700/year. Shares khareedne ke liye minimum ₹100 bhi chal jayega.
Student hoon, income nahi hai. Demat account khul jayega?
Haan! Age 18+ honi chahiye. PAN, Aadhaar, Bank account chahiye. Income proof nahi mangte discount brokers. Zerodha, Groww, Upstox me khul jayega. Parents ka consent nahi chahiye 18+ ke baad.
Ek se zyada demat account rakh sakte hain?
Haan, kitne bhi rakho. Zerodha + Groww dono rakh lo. Ek trading ke liye, ek long-term investing ke liye. Lekin har account ka AMC dena padega. 2-3 se zyada mat rakho - manage karna mushkil.
Demat account band karne ka charge lagta hai?
Nahi. Closure free hai. Lekin pehle holdings sell karo ya dusre demat me transfer karo. Transfer charge ₹50-₹500 lagta hai per ISIN. AMC pending hai to dena padega.
Zerodha vs Groww - kaunsa better hai 2026 me?
Zerodha: Active traders, F&O karte ho, pro features chahiye - Zerodha lo. App fast hai, community strong hai.
Groww: Beginner ho, sirf stocks/mutual funds, simple app chahiye - Groww lo. AMC free hai, learning curve nahi.
Verdict: Dono rakho. Zerodha trading ke liye, Groww investing ke liye.
Demat account me minimum balance rakhna padta hai?
Nahi! ₹0 balance bhi chal jayega. Lekin AMC dena padega har saal - Groww me ₹0