Demat account kaise kholein, kya documents chahiye, kaunsa broker best hai — complete Hindi guide Indian stock market ke liye.
Published by The Retail Trader · AUG 04, 2026 · Features
Demat account kaise kholein, kya documents chahiye, kaunsa broker best hai — complete Hindi guide Indian stock market ke liye.
Demat account tumhare shares ka digital locker hai. Jaise bank account mein paisa rehta hai, demat account mein shares rehte hain.
Simple definition: > Demat = Dematerialized account. Physical shares ki jagah digital form mein shares store karte hain.
Demat vs Trading Account:
• Kya hai — Demat Account: Shares ka locker, Trading Account: Buy/sell ka interface
• Kya store karta hai — Demat Account: Shares, bonds, MF units, Trading Account: Kuch nahi (execution only)
• Analogy — Demat Account: Bank vault, Trading Account: ATM card
• Zaroori? — Demat Account: Haan, Trading Account: Haan
Dono chahiye share market mein trade karne ke liye. Aajkal brokers dono ek saath dete hain.
Documents:
• PAN Card — Required?: ✅ Mandatory, Notes: Without PAN demat nahi khulega
• Aadhaar Card — Required?: ✅ Mandatory, Notes: Address proof ke liye
• Bank Account — Required?: ✅ Mandatory, Notes: Linked bank account chahiye
• Passport Photo — Required?: ✅ Required, Notes: Digital upload
• Signature — Required?: ✅ Required, Notes: White paper pe sign, scan/upload
• Income Proof — Required?: Optional, Notes: F&O trading ke liye (salary slip/ITR)
• Cancelled Cheque — Required?: Optional, Notes: Bank verification ke liye
Eligibility:
• Age: 18+ years
• Nationality: Indian resident, NRI bhi kar sakte hain
• PAN: Mandatory
Ye saat baatein dhyaan mein rakho:
• Zerodha — Account Fee: ₹200 (one-time), Brokerage (Equity): ₹20 flat/order, Brokerage (F&O): ₹20/order, Best For: Overall best
• Groww — Account Fee: Free, Brokerage (Equity): ₹20 flat/order, Brokerage (F&O): ₹20/order, Best For: Beginners
• Angel One — Account Fee: Free, Brokerage (Equity): ₹20 flat/order, Brokerage (F&O): ₹20/order, Best For: Full-service
• Upstox — Account Fee: Free, Brokerage (Equity): ₹20 flat/order, Brokerage (F&O): ₹20/order, Best For: Budget
• 5paisa — Account Fee: Free, Brokerage (Equity): ₹20 flat/order, Brokerage (F&O): ₹20/order, Best For: Low cost
• ICICI Direct — Account Fee: Free, Brokerage (Equity): 0.55%, Brokerage (F&O): ₹20-50/order, Best For: Bank integration
• HDFC Securities — Account Fee: Free, Brokerage (Equity): 0.50%, Brokerage (F&O): ₹20-50/order, Best For: Bank integration
Beginner recommendation: Groww ya Zerodha se start karo. Dono free ya saste hain, app achha hai.
Via Zerodha (Online — 15 Minutes):
• Zerodha website pe jao — zerodha.com
• "Sign Up" click karo
• Mobile number daalo → OTP verify karo
• PAN number daalo → DOB verify karo
• Aadhaar e-sign karo (Aadhaar OTP se)
• Bank details daalo (account number, IFSC)
• Photo upload karo
• Signature upload karo
• Video verification karo (2-minute video call)
• Payment karo (₹200)
• Done! 24-48 hours mein account active
Via Groww (Online — 10 Minutes):
• Groww app download karo
• "Open Demat Account" select karo
• Mobile number → OTP
• PAN → DOB
• Aadhaar e-sign
• Bank details
• Selfie upload
• Video verification
• Done! Same day active
Via Bank (Offline — 1 Week):
• Bank branch jao (ICICI, HDFC, SBI)
• Form fill karo
• Documents submit karo (PAN, Aadhaar, photo)
• 3-7 din mein account khulega
• Brokerage zyada hoga online brokers se
Beginners Ke Liye:
• Simple app — Groww
• Low brokerage — Zerodha
• Research reports — Angel One
• Bank integration — ICICI Direct
• Free account — Groww/Upstox
Active Traders Ke Liye:
• Fast execution — Zerodha
• Advanced charts — Zerodha (Kite)
• API access — Zerodha/Angel One
• F&O trading — Zerodha
• Algo trading — Zerodha (Streak)
Ye aath baatein dhyaan mein rakho:
• Account opening — ₹0-200
• Annual maintenance (AMC) — ₹0-300/year
• Brokerage (delivery) — ₹0-20/order
• Brokerage (intraday) — ₹20/order
• Brokerage (F&O) — ₹20/order
• STT (government tax) — 0.1% (delivery)
• GST — 18% on brokerage
• Stamp duty — State-wise vary
Total cost per trade: Brokerage + STT + GST + Stamp duty ≈ ₹25-50 per ₹1 lakh trade
Low brokerage achha hai, but platform stability, customer support, app quality bhi dekho.
Ek broker kaafi hai. 3-4 demat accounts = unnecessary charges (AMC).
Demat = storage, Trading = execution. Dono separate concepts hain, but brokers dono ek saath dete hain.
Kabhi bhi apna broker login/password kisi ko mat do. OTP bhi share mat karo.
Agar demat account use nahi kar rahe toh close kar do. AMC lagta hai even if no trading.
Ye paanch baatein dhyaan mein rakho:
• Broker ko email karo (account closure request)
• Form fill karo (online ya offline)
• All holdings clear karo (sab shares bech do ya transfer karo)
• Outstanding dues pay karo
• 7-15 din mein account close
Ye baatein dhyaan mein rakho:
• 📌 DEMAT ACCOUNT QUICK REFERENCE
• WHAT IS IT:
• 📊 Digital locker for shares
• 📊 Demat + Trading account dono chahiye
• 📊 Broker provide karta hai (Zerodha, Groww)
• DOCUMENTS NEEDED:
• 📋 PAN Card (mandatory)
• 📋 Aadhaar Card (mandatory)
• 📋 Bank Account (mandatory)
• 📋 Photo + Signature
• 📋 Income proof (F&O ke liye)
• BEST BROKERS:
• 📊 Beginners → Groww (free, simple)
• 📊 Overall → Zerodha (₹200, best platform)
• 📊 Bank integration → ICICI Direct
• 📊 Budget → Upstox (free)
• HOW TO OPEN:
• 1️⃣ Broker website/app pe jao
• 2️⃣ Mobile + PAN + Aadhaar verify karo
• 3️⃣ Bank details daalo
• 4️⃣ Photo + Signature upload
• 5️⃣ Video verification (2 min)
• 6️⃣ Payment (₹0-200)
• 7️⃣ 24-48 hours mein active
• CHARGES:
• 💰 Account opening: ₹0-200
• 💰 AMC: ₹0-300/year
• 💰 Brokerage: ₹20/order
• 💰 STT: 0.1% (delivery)
• 💰 GST: 18% on brokerage
• AVOID:
• ❌ Multiple accounts rakhna
• ❌ Credentials share karna
• ❌ Inactive account rakhna (AMC lagega)
Ye paanch baatein dhyaan mein rakho:
• Share Market Kya Hai?
• Stock Market Kya Hai?
• Trading Kya Hai?
• Mutual Fund Kya Hai?
• Nifty 50 Companies List 2026
The Retail Trader — educational market analysis. Not investment advice.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.