Opening your first demat account in 2025? The good news is most top brokers now offer ₹0 account opening, zero AMC (first year), and flat ₹20 brokerage. But which app is easiest for beginners—Zerodha, Upstox, Angel One, Groww, or Paytm Money? Let’s find out.
India Snapshot
- Account Opening: Free (₹0) with Aadhaar + PAN + UPI KYC.
- AMC (2025): ₹0 for first year, ₹150–₹300/year after.
- Brokerage: ₹0 for delivery; flat ₹20/order intraday & F&O.
- Payments: UPI, NetBanking, Cards.
- GST Invoice: Available for charges.
- Best For: Beginners, retail investors, students starting with SIPs + stocks.
Open your free demat account today with India’s top beginner-friendly brokers:
Open Zerodha | Open Upstox | Open Angel One
Best Beginner-Friendly Brokers (2025)
| Broker | Account Opening |
AMC | Brokerage (Delivery / Intraday) |
Best For |
|---|---|---|---|---|
| Zerodha | Free | ₹300/year | ₹0/₹20 flat | Trust + stability |
| Upstox | Free | ₹150/year | ₹0/₹20 flat | Beginners, modern app |
| Angel One | Free | ₹240/year | ₹0/₹20 flat | Research + margin |
| Groww | Free | ₹0(no AMC) | ₹0/₹20 flat | MF + stock combo |
| Paytm Money | Free | ₹0 | ₹0/₹20 flat | Lowest-cost entry |
Why Beginners Should Care
- AMC: Avoid high annual fees—start with brokers offering zero or lowest AMC.
- Brokerage: Flat fee ensures cost control for new investors.
- App Simplicity: Beginners need a clean UI (Groww, Upstox).
- Extras: Angel One provides research; Zerodha provides stability; Groww integrates SIPs.
Pros and Cons
Pros (for all brokers)
₹0 delivery brokerage.
Free account opening online.
UPI IPO applications supported.
Direct mutual funds included.
Cons
AMC kicks in from year 2 (except Groww & Paytm).
Customer support can lag during peak hours.
Beginners may get overwhelmed with advanced tools (Zerodha Kite, Angel One Smart Store).
Smart Beginner Strategy in 2025
- Start with ₹5,000–₹10,000 SIPs + 1–2 stocks to learn.
- Use Upstox or Groww for simple UI.
- If you want research-backed trades, go with Angel One.
- Graduate to Zerodha once you need pro tools like Kite + Sensibull.
- Always set UPI IPO mandates through your broker app.
Open a zero-AMC demat account and start investing today:
Zerodha | Upstox | Angel One
In 2025, beginners don’t need to overthink—Zerodha, Upstox, Angel One, Groww, and Paytm Money all offer safe, SEBI-registered demat accounts with ₹0 delivery brokerage and zero AMC (first year). For most new investors, Upstox or Groww are easiest to use, while Zerodha remains the most trusted for long-term trading.
