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+{{htmlmetatags>metatag-keywords=(how to open demat account India 2026,open trading account online,Zerodha Kite signup,Groww demat,Upstox open account,Angel One demat,5paisa Dhan,3-in-1 account ICICI HDFC SBI,Depositories Act 1996,SEBI Stock Brokers Regulations 1992,NSDL CDSL grievance,SEBI SCORES portal,IPV in-person verification,eKYC Aadhaar OTP demat,first stock purchase)&metatag-description=(Step-by-step 2026 guide to opening a Demat + trading account in India — discount brokers Zerodha, Groww, Upstox, Angel One vs full-service vs 3-in-1 bank account. Real fees, real timelines, eKYC + IPV explained. Escalation: broker grievance → SEBI SCORES → NSDL/CDSL → RTI to PIO SEBI. Honest about RTI limits.)}}
+====== How to open a Demat and trading account in India — complete 2026 guide ======
+{{ :social:auto:open-demat-trading-account-2026.png?direct&1200 |How to open a Demat trading account 2026 — RTI Wiki citizen guide}}
+{{page>snippets:dpdp-banner}}
+<WRAP info>
+**Quick answer.** To buy/sell shares, mutual funds, IPOs, ETFs and bonds in India in 2026 you need both a **Demat account** (to hold securities in electronic form) and a **trading account** (to place buy/sell orders on NSE/BSE). With **discount brokers** (Zerodha, Groww, Upstox, Angel One, 5paisa, Dhan), the entire account opens online via app in **10-30 minutes** using **Aadhaar OTP eKYC + Video IPV**, with account live in **24-72 hours**. Account opening is free at most discount brokers; **annual maintenance charge (AMC) ₹0-₹450** depending on broker. You need: PAN, Aadhaar (linked), bank account, signature image, photo. The legal anchors are the **Depositories Act 1996**, **SEBI (Depositories and Participants) Regulations 2018**, and **SEBI (Stock Brokers) Regulations 1992**.
+</WRAP>
+===== Vikas's story — "Zerodha account in 18 hours, first stock bought with ₹0 brokerage" =====
+<WRAP center round box 80%>
+//Vikas Reddy, 26, fresh M.Tech graduate just joined a product company in Hyderabad. Salary ₹85,000/month. Wanted to start equity investing — small SIPs in index ETFs and a few large-cap stocks for long-term holding.//
+> "I'd read enough on r/IndiaInvestments to know discount brokers are where retail investors actually go. Compared Zerodha, Groww, Upstox — picked Zerodha for the trust factor (largest in India by active client base; ~1.4 crore active clients on NSE) and because Kite is a clean, no-noise interface. Signup on 12 May 2025 via Kite app: entered PAN → Aadhaar OTP → DigiLocker fetched my address + photo → uploaded a clean signature image (took two attempts on the first because of background) → linked SBI savings account (penny-drop verification, 2 minutes) → did the **video IPV** (a 30-second selfie video reading a 4-digit code aloud) → done in **25 minutes**. Total upfront cost: **₹200 BSE charges** + ₹0 NSE + ₹0 account opening (Zerodha doesn't charge). Account approved in **18 hours** — got an email with my **Demat ID (BO ID 1208160012345678)**, Client ID, and login credentials. Transferred ₹50,000 from SBI to Zerodha trading via UPI (instant, free up to ₹2 lakh per day). Bought my first 30 shares of HDFC Bank at ₹1,650 — **brokerage ₹0** (delivery is free at Zerodha), STT 0.1% = ₹49.50, exchange transaction 0.00345% = ₹1.71, GST 18% on brokerage+STT, SEBI fee 0.0001%, stamp duty 0.015%. Total taxes + fees: about ₹65 on ₹49,500 trade. Holdings reflected in Demat in **T+1** as per SEBI's 2023 framework. Three months in: ₹2.4 lakh portfolio across HDFC Bank, ICICI Bank, Reliance, Nifty 50 ETF (Niftybees), and one Nifty IT ETF. **Zero account-level cost so far. AMC is ₹300 + GST = ₹354 per year, payable from year 2.**"
+—Vikas, August 2025
+</WRAP>
+India crossed **18 crore Demat accounts** in March 2026 (combined NSDL + CDSL data). **Discount brokers now dominate**: as of Feb 2026, **Groww has overtaken Zerodha** in active client base — Groww at ~1.45 crore vs Zerodha at ~1.39 crore (NSE active clients), Angel One at ~75 lakh, Upstox at ~30 lakh. The shift to discount brokers (₹20 flat or zero brokerage on delivery) has driven retail participation since 2020.
+===== What this is — and who can open one =====
+A **Demat account** ("dematerialised account") holds your shares, bonds, ETFs, mutual funds and government securities in electronic form, replacing physical certificates. It's maintained by a **Depository Participant (DP)** — your broker — under either of two depositories: **NSDL** (National Securities Depository Ltd) or **CDSL** (Central Depository Services Ltd).
+A **trading account** is the channel through which you place buy/sell orders on the **NSE** or **BSE** stock exchanges. Money moves between your bank → trading account → exchange → counterparty's trading account → counterparty's bank.
+Most brokers open both together as a single onboarding flow. Older "3-in-1" accounts (e.g., ICICI Direct, HDFC Securities, Kotak Securities) bundle savings account + Demat + trading in one ecosystem.
+**Eligibility:**
+  * **Resident individual** age 18+ (minor accounts allowed under guardian's name, separate process).
+  * Valid **PAN** (and PAN-Aadhaar linked since July 2023 — unlinked PAN is "inoperative" and DP can't open the account).
+  * Valid **Aadhaar** linked to a mobile number (for OTP-based eKYC).
+  * **Bank account** in your name (for fund transfer + dividend / redemption credits).
+  * For **NRIs**, separate process: NRO Demat (for India-source shares acquired via repatriable / non-repatriable bank account) and NRE PIS-linked trading account; HUF accounts use HUF PAN + Karta KYC.
+The legal anchors are the **Depositories Act 1996**, **SEBI (Depositories and Participants) Regulations 2018**, **SEBI (Stock Brokers) Regulations 1992**, and the **SEBI Master Circular on KYC Norms (latest December 2024 consolidation, ref SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2024/...)**. CKYC framework is governed by the **Prevention of Money Laundering Act 2002 + PML Rules 2005**.
+===== Step-by-step process =====
+==== Step 1 — Pick the right broker for your style ====
+This is where money is made or lost over decades — not in the trade itself. Three rough buckets:
+<code>
++-------------------+----------------+----------+-------------+--------------+
+| Type              | Examples       | Account  | Brokerage   | When to pick |
+|                   |                | open fee | (delivery)  |              |
++-------------------+----------------+----------+-------------+--------------+
+| Discount broker   | Zerodha, Groww,| FREE     | ₹0 delivery,| Most retail  |
+| (app-first, low   | Upstox,        |          | ₹20 or      | investors;   |
+| or no advisory)   | Angel One,     |          | 0.03%       | low cost,    |
+|                   | 5paisa, Dhan   |          | intraday    | DIY learners |
++-------------------+----------------+----------+-------------+--------------+
+| Full-service      | ICICI Direct,  | ₹500-    | 0.30-0.55%  | Want research|
+| (research +       | HDFC Sec,      | ₹1,000   | delivery,   | reports +    |
+| advisory)         | Kotak Sec,     |          | 0.05%       | dedicated RM,|
+|                   | Motilal Oswal, |          | intraday    | OK paying    |
+|                   | Sharekhan, IIFL|          |             | premium      |
++-------------------+----------------+----------+-------------+--------------+
+| 3-in-1 (savings + | ICICI Direct,  | Bundled  | Same as     | Already SBI/ |
+| Demat + trading,  | HDFC Sec,      | with     | full-       | ICICI/HDFC   |
+| from a bank-      | Kotak Sec,     | bank     | service     | customer; UI |
+| backed broker)    | SBI Sec, Axis  | account  |             | continuity   |
+|                   | Direct         |          |             |              |
++-------------------+----------------+----------+-------------+--------------+
+</code>
+For a first-time investor with small capital and a long horizon, **discount brokers are the default rational choice** — saving 0.30% on every ₹1 lakh delivery trade compounds to lakhs over a decade. Pay for full-service only if you want curated research and don't want to read it yourself.
+==== Step 2 — Get your documents ready ====
+  * **PAN card** (image of physical or e-PAN).
+  * **Aadhaar** (last 4 digits visible to broker — DigiLocker pull preferred for full version).
+  * **Bank proof:** cancelled cheque, OR latest 3 months' bank statement, OR passbook with name + IFSC + account number visible.
+  * **Signature image:** white background, blue or black ink, no smudges, JPG ≤ 1 MB.
+  * **Photo:** clean front-facing selfie, no filters.
+  * **Income proof** (only required if you want to trade in **F&O — futures and options**): latest salary slip, OR ITR, OR 6 months' bank statement showing income, OR Net worth certificate from CA, OR Form 16. SEBI mandates this for derivatives.
+==== Step 3 — Apply via the broker's app/website ====
+  * **Zerodha:** https://signup.zerodha.com or Kite app. Account opens for **₹200 (one-time, BSE)** for equity; F&O activation free.
+  * **Groww:** Groww app → Sign up → Aadhaar + PAN. **Free** account opening + AMC.
+  * **Upstox:** https://upstox.com → Open Account. **Free** account opening, **₹150 + GST** annual AMC.
+  * **Angel One:** Angel One app → Open free account. **Free** opening, **₹450 + GST** AMC.
+  * **5paisa:** **Free** opening; ₹400 AMC (waivable on min trades).
+  * **Dhan:** **Free** opening, **free** AMC for life (BSDA framework).
+  * **ICICI Direct:** ₹975 lifetime brokerage plan or ₹0 with Prime / NEO plans.
+  * **HDFC Securities:** ₹999 opening + ₹750 AMC.
+==== Step 4 — Complete eKYC (Aadhaar OTP + DigiLocker) ====
+  * App will ask for permission to fetch your **DigiLocker** documents — Aadhaar XML, PAN, photo, signature. Approve.
+  * Aadhaar OTP sent to your registered mobile — enter to authenticate.
+  * Address auto-fills from Aadhaar; correct if you've moved (you'll need to upload a fresh address proof — utility bill, passport, or rental agreement).
+  * Bank account verified by **penny-drop** (broker sends ₹1 to test the account; auto-reverses).
+==== Step 5 — In-Person Verification (IPV) — video ====
+SEBI requires a one-time **In-Person Verification** to confirm the applicant is real. Discount brokers do this via a **30-60 second video selfie**:
+  * App generates a **random 4-digit OTP** on screen.
+  * You record a video reading the OTP aloud while looking into the camera.
+  * Or you join a brief video call with the broker's executive.
+Failure modes: poor lighting, face not visible, OTP mis-spoken — easy to redo on the spot.
+==== Step 6 — Sign the application ====
+  * **eSign** via Aadhaar OTP — replaces wet signature on the Account Opening Form (AOF), KRA registration, FATCA declaration, P&L sharing consent, and trading agreement.
+  * Some brokers still ask for an uploaded scanned signature image as a backup.
+==== Step 7 — Account activation ====
+  * Submitted application goes to broker's compliance team for review.
+  * **Demat ID (BO ID — 8-digit Beneficial Owner ID for CDSL; 16-digit DP ID + Client ID for NSDL)** is generated.
+  * Trading account separately mapped to the Demat.
+  * **Login credentials (Client ID + password)** sent via email/SMS.
+  * KRA (KYC Registration Agency — CVL, NDML, CAMS, KARVY) record updated; subsequent broker openings will reuse this KYC.
+  * Activation timeline: **24-72 hours** at discount brokers; **3-7 days** at full-service brokers.
+==== Step 8 — Fund the trading account, place your first order ====
+  * Open the broker's app → "Funds" → "Add Money" → choose UPI / Net Banking / IMPS.
+  * **UPI:** instant + free up to ₹2 lakh per transaction.
+  * **Net banking:** ₹9-₹15 fee per transfer at most brokers.
+  * **NEFT/RTGS:** free at most banks but T+0 settlement.
+  * Once funds reflect (usually instant via UPI), go to the **Watchlist / Markets** section, search the stock, click **Buy** → enter quantity and order type (**Market** = current price; **Limit** = your specified price).
+  * Order goes to NSE/BSE matching engine; on execution, you get a contract note + SMS.
+  * Shares credit to Demat on **T+1** under SEBI's 2023 settlement reform (T+0 optional pilot for select stocks since March 2024).
+  * Funds for sell trades are credited back to your trading account on T+1; transfer to bank requires a separate **withdrawal request** (1-2 working days).
+===== Sample fee + tax + brokerage table =====
+<code>
++----------------------------------+----------------------------------------+
+| Account opening (discount)       | ₹0 to ₹200 (Zerodha BSE charge ₹200)   |
++----------------------------------+----------------------------------------+
+| Account opening (full-service)   | ₹500 to ₹1,000                         |
++----------------------------------+----------------------------------------+
+| Annual Maintenance Charge (AMC)  | ₹0 (Groww, Dhan) - ₹450 (Angel One)    |
+|                                  | + GST                                  |
++----------------------------------+----------------------------------------+
+| Brokerage — equity delivery      | ₹0 (Zerodha, Groww, Dhan); 0.30-0.55%  |
+|                                  | full-service                           |
++----------------------------------+----------------------------------------+
+| Brokerage — intraday equity      | ₹20 / 0.03% per executed order         |
+|                                  | (whichever lower) — discount brokers   |
++----------------------------------+----------------------------------------+
+| Brokerage — F&O                  | ₹20 flat per order (most discount      |
+|                                  | brokers); per-lot at full-service      |
++----------------------------------+----------------------------------------+
+| STT (delivery)                   | 0.10% on buy + sell                    |
++----------------------------------+----------------------------------------+
+| STT (intraday)                   | 0.025% on sell side only               |
++----------------------------------+----------------------------------------+
+| STT (F&O)                        | 0.02% on options sell premium;         |
+|                                  | 0.0125% on futures sell                |
+|                                  | (rates revised in Finance Act 2024)    |
++----------------------------------+----------------------------------------+
+| Exchange transaction charge      | NSE 0.00345% / BSE 0.00375% (equity)   |
++----------------------------------+----------------------------------------+
+| GST                              | 18% on brokerage + transaction charge  |
++----------------------------------+----------------------------------------+
+| SEBI fee                         | ₹10 per ₹1 crore of turnover           |
++----------------------------------+----------------------------------------+
+| Stamp duty                       | 0.015% buy delivery; 0.003% intraday;  |
+|                                  | 0.002% F&O futures; 0.003% F&O options |
++----------------------------------+----------------------------------------+
+| LTCG (equity, > 1 year holding)  | 12.5% beyond ₹1.25 lakh annual gains   |
+|                                  | (Finance Act 2024)                     |
++----------------------------------+----------------------------------------+
+| STCG (equity, < 1 year holding)  | 20% (revised from 15% in Finance       |
+|                                  | Act 2024)                              |
++----------------------------------+----------------------------------------+
+| RTI to SEBI PIO                  | ₹10 by IPO. BPL = free                 |
++----------------------------------+----------------------------------------+
+</code>
+===== Common reasons your Demat account opening gets stuck =====
+  * **PAN-Aadhaar not linked.** Since 1 July 2023, unlinked PAN is "inoperative" — no broker can open a Demat against it. Pay ₹1,000 fee under Challan 280 Minor Head 500, link, wait 4-5 days.
+  * **Name mismatch** between PAN, Aadhaar and bank account (e.g., "Vikas Reddy" on PAN, "Vikas Kumar Reddy" on Aadhaar). Get one corrected first — bank's KYC update is fastest (1-2 days).
+  * **Signature image rejected.** Background not white, smudge, scanned at low resolution. Re-upload on white paper, blue ink, daylight photo.
+  * **IPV failure.** Video too dark, face partially obscured, OTP mis-read. Redo from app.
+  * **Existing Demat with another DP that wasn't closed.** SEBI doesn't restrict multiple Demats but some brokers' compliance flags duplicates — provide a NOC or close the old one (see Step 7 in our [[:close-bank-account-2026|how to close]] piece — same KYC framework applies).
+  * **Bank account not pre-validated** (penny-drop fails). Possible reasons: name mismatch, account dormant, third-party account. Use a different account or correct the name.
+  * **CKYC database mismatch.** SEBI's central KYC has your old address / employer — record in CKYC (CERSAI, Mumbai) and broker's record don't match. Update via CKYC modification through a registered intermediary.
+  * **F&O activation rejected** because you didn't submit income proof (₹1 lakh net worth or ITR or 6 months bank statement). SEBI mandate since 1 October 2022 — submit and reapply.
+  * **Address proof not accepted** because it's older than 3 months (utility bill) or in a different name (e.g., your father's). Use Aadhaar (no expiry) or a fresh utility bill in your name.
+===== If stuck — the escalation ladder =====
+==== Rung 1 — Broker's customer support ====
+  * **Zerodha:** support@zerodha.com; 080-7117-5337.
+  * **Groww:** support@groww.in; 9108800604.
+  * **Upstox:** support@upstox.com; 022-6130-9999.
+  * **Angel One:** support@angelone.in; 1800-1020-5757.
+  * **ICICI Direct:** customercare@icicidirect.com; 1860-123-1122.
+  * **HDFC Securities:** customer.care@hdfcsec.com; 1800-200-9100.
+==== Rung 2 — Broker's Compliance / Designated Officer ====
+Every SEBI-registered broker must have a **Compliance Officer** and a **Designated Officer for Investor Grievances** with email published on the broker's website (mandatory under SEBI circular). SLA: **15 working days** to substantive resolution.
+==== Rung 3 — Exchange grievance cell ====
+  * **NSE Investor Service Centre (ISC):** ignse@nse.co.in; 1800-22-0058.
+  * **BSE Investor Services:** is@bseindia.com; 022-2272-8097.
+  * Filed against your broker for trade execution / fund settlement / contract note disputes. Exchange has its own arbitration mechanism for disputes ≤ ₹25 lakh.
+==== Rung 4 — Depository grievance ====
+  * **NSDL:** info@nsdl.co.in; 022-2499-4200.
+  * **CDSL:** complaints@cdslindia.com; 1800-22-5533.
+  * For Demat-specific issues (transfer of shares between DPs, ISIN issues, IEPF claims, transmission on death).
+==== Rung 5 — SEBI SCORES portal ====
+  * **https://scores.gov.in** — SEBI Complaint Redress System (SCORES 2.0 since April 2023).
+  * **60-day SLA** mandated by SEBI; auto-escalation to next supervisory layer if broker doesn't resolve.
+  * Free, online, with an audit trail. Single most effective rung for retail investors.
+  * SCORES escalates to **SmartODR** (online dispute resolution) if first cycle fails — independent arbitration with binding outcome.
+==== Rung 6 — SEBI's regional office / CPGRAMS ====
+  * SEBI HQ Mumbai; regional offices at Delhi, Kolkata, Chennai, Ahmedabad. Walk-in for hard copies of complaint.
+  * CPGRAMS via https://pgportal.gov.in → Ministry of Finance → SEBI.
+==== Rung 7 — Right to Information (RTI) ====
+**SEBI** is a public authority under §2(h) of the RTI Act 2005. NSE / BSE / NSDL / CDSL are private entities (NSE and BSE are listed/listing companies; the depositories are companies under SEBI regulation) — they're **not directly under RTI**, but information about them held by SEBI is. Brokers themselves are private entities — not under RTI directly.
+**RTI helps here when:**
+  * You want a broker's **regulatory action history** — penalties imposed, inspection findings, complaint trends — RTI to PIO SEBI for the redacted enforcement order or inspection summary.
+  * SEBI has issued a **circular or guideline** that a broker is misapplying — RTI to PIO SEBI for the underlying file noting and basis.
+  * You want **published consolidated data** on broker complaints (SCORES quarterly summary) but the website snapshot is missing data — RTI to PIO SEBI for the database extract.
+  * You want a copy of SEBI's **adjudication / settlement order** that's not yet on the website (delay in upload).
+**RTI does NOT help here when:**
+  * You have an **individual dispute with a broker** (wrong trade, missing funds, contract note error). Use **SCORES** — that's the statutory remedy. RTI is too slow and gives you "information", not redressal.
+  * You want SEBI to **discipline a specific broker** based on your complaint. RTI cannot trigger enforcement; SCORES → adjudication is the path.
+  * For **IPO allotment** logic on a specific application. Allotment is by the Registrar (Link Intime, KFinTech etc.) per SEBI's allocation formula — RTI to SEBI gets you the formula, not your individual application's outcome.
+  * To get **price movements / market data** — that's exchange data, not "information held" by SEBI in any retrievable form.
+  * For your **Demat statement** — that's between you and your DP; download from app.
+See dedicated guide: [[:rti-for-beginners|RTI in 12 simple steps]] for the SEBI PIO postal address (currently Plot No. C-7, Bandra Kurla Complex, Bandra (East), Mumbai 400 051) and IPO format.
+===== FAQs =====
+**Q. Can I open multiple Demat accounts with different brokers?**\\
+Yes — SEBI does not restrict the number. Many investors hold one Demat for long-term equity (Zerodha) and another for IPO subscriptions (because some brokers allot on first-come basis). However each comes with its own AMC; consider whether the second is worth it.
+**Q. What's the difference between NSDL and CDSL?**\\
+Both are SEBI-registered depositories doing the same job — holding your securities electronically. **NSDL** is older (1996), promoted by IDBI/NSE/UTI. **CDSL** (1999) is promoted by BSE/banks. Most discount brokers (Zerodha, Groww, Upstox, Angel One) are **CDSL DPs**. Securities can be transferred between depositories via inter-DP transfer; functionally interchangeable for retail.
+**Q. What is BSDA — Basic Services Demat Account?**\\
+A SEBI-mandated free or low-cost Demat for small investors with holdings ≤ ₹4 lakh. AMC is **NIL up to ₹4 lakh** holding value, ₹100 above ₹4 lakh up to ₹10 lakh. Most discount brokers auto-categorise eligible accounts as BSDA. From Sep 2024, BSDA threshold raised to ₹4 lakh (debt) + ₹4 lakh (other securities) — ₹8 lakh combined.
+**Q. Is my money safe with a discount broker?**\\
+Securities (shares) are held in your name in the depository (NSDL/CDSL) — broker can't pledge or sell without your authorisation (SEBI's 2022 ASBA-like settlement framework, 2023 CUSPA framework). **Cash** in the trading account is in a SEBI-mandated client-segregated bank account; in the worst case (broker insolvency) you have claim against the **Investor Protection Fund** of the exchange (₹25 lakh per investor at NSE).
+**Q. How does the new T+1 settlement work?**\\
+Since Jan 2023, SEBI has moved Indian equities to **T+1 settlement** — shares hit your Demat on the next trading day after the trade. T+0 (same-day settlement) launched as an optional pilot in March 2024 for 25 stocks; expanding gradually.
+**Q. Can NRIs open a Demat with discount brokers?**\\
+Yes — Zerodha, Groww (limited), HDFC Sec, ICICI Direct support NRI accounts. Need NRO/NRE bank account, PINS (Portfolio Investment Scheme) approval letter from your bank, FATCA declaration. Account opening process takes longer (15-30 days) and may require physical document mailing.
+**Q. What is the "nominee" requirement?**\\
+SEBI mandates a nominee declaration by every Demat account holder; deadline extended to 30 June 2026 (last extension). Without nomination (or explicit opt-out), the account can be **frozen for debits** — you can't sell. Login to your broker's app → "Account" → "Nominee" → fill in 1-3 nominees and percentage allocation.
+**Q. What happens to my Demat on death?**\\
+Securities are transmitted (not "transferred") to the nominee on production of death certificate, claim form, and KYC of nominee — typically 15-30 days. If no nomination, legal heirs need to produce succession certificate / probate / legal heir certificate — process takes 6-24 months.
+**Q. Can I trade in mutual funds, IPO, bonds from the same Demat?**\\
+Yes. Mutual funds since SEBI's 2017 framework can be held in Demat (or in folio form via AMC). IPOs apply via ASBA from your bank account — shares credit to Demat on listing. Government bonds and corporate bonds also held in Demat.
+**Q. Brokerage is ₹0 — how does the broker make money?**\\
+Discount brokers make money from: (a) F&O brokerage (₹20 flat × millions of orders), (b) interest on idle client funds in pool account, (c) margin trading facility (MTF) interest, (d) cross-sell (mutual funds direct plans, insurance, bonds), (e) payment for order flow / clearing arrangements (limited in India compared to the US).
+===== Related on RTI Wiki =====
+  * [[:apply-credit-card-2026|How to apply for a credit card in India]]
+  * [[:close-bank-account-2026|How to close a bank account in India]]
+  * [[:dispute-cibil-credit-score-2026|How to dispute a CIBIL credit score error]]
+  * [[:file-itr-online-2026|How to file ITR online — capital gains schedule]]
+  * [[:rti-for-beginners|RTI in 12 simple steps — for first-time filers]]
+  * [[:helplines:start|All Indian government helplines — one master directory]]
+  * [[:forms:start|RTI forms + state-wise fee chart]]
+//Last reviewed: 26 April 2026 by RTI Wiki editorial team. SEBI brokerage rules, STT rates, and BSDA thresholds change with regulatory and budget notifications — verify current numbers on sebi.gov.in or write to admin@bighelpers.in if you spot a stale figure.//
+{{tag>demat-account trading-account zerodha groww upstox angel-one icici-direct hdfc-securities depositories-act-1996 sebi-stock-brokers-regulations nsdl cdsl scores-portal sebi-pio bsda video-ipv ekyc rti-sebi citizen-guide help-first 2026}}

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