Hidden Charges & Ancillary Fees
Audit secondary fees often omitted from headline marketing: auto square-off penalties, call & trade desk charges, depository debits, and physical contract note dispatch fees.
Every ancillary fee is extracted directly from published tariff PDFs with direct source verification.
Transparency Verdicts & Operational Gotchas
Zero fee for unpledging collateral, with standard industry penalty structures.
- •₹0 Free unpledging to release margin collateral back to demat
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹9 + GST per transfer on Netbanking transfers (use free UPI or NEFT/IMPS)
- •₹20 + GST per order handling charge per Buyback / OFS order
- •₹350 + GST penalty for bounced cheques or failed ECS mandates
Zero charges for netbanking deposits and zero broker penalty on failed mandates.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •Zero broker penalty for returned cheques or failed auto-pay mandates
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹20 + GST per ISIN fee levied on unpledging / invocation
- •₹20 + GST per order handling charge per Buyback / OFS order
- •₹50 + GST per order penalty if intraday positions are closed by RMS
Consistent standard tariffs across trading, demat custody, and banking operations.
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹10 + GST per transaction on Netbanking transfers (use free UPI or NEFT/IMPS)
- •₹20 + GST per ISIN fee levied on unpledging / invocation
- •₹20 + GST per order handling charge per Buyback / OFS order
Lowest collateral pledge charges, free corporate action tenders, and free netbanking.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •Lowest pledge creation rate in the industry (₹12.50 + GST / ISIN)
- •₹0 Free order processing for Buybacks & Takeovers via e-DIS
- •₹12.50 + GST (₹15 incl. GST) fee levied on unpledging / invocation
- •₹250 + GST penalty for bounced cheques or failed ECS mandates
- •₹50 + GST per order penalty if intraday positions are closed by RMS
Consistent standard tariffs across trading, demat custody, and banking operations.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹20 + GST per ISIN fee levied on unpledging / invocation
- •₹20 + GST per order handling charge per Buyback / OFS order
- •₹350 + GST penalty for bounced cheques or failed ECS mandates
Lowest collateral pledge charges, free corporate action tenders, and free netbanking.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •₹0 Free order processing for Buybacks & Takeovers via e-DIS
- •₹32 + GST per PSN fee levied on unpledging / invocation
- •₹300 + GST penalty for bounced cheques or failed ECS mandates
- •₹100 + GST penalty if intraday positions are closed by RMS
Lowest collateral pledge charges, free corporate action tenders, and free netbanking.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •₹0 Free order processing for Buybacks & Takeovers via e-DIS
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹15 + GST per ISIN fee levied on unpledging / invocation
- •₹350 + GST penalty for bounced cheques or failed ECS mandates
- •₹50 + GST penalty if intraday positions are closed by RMS
Consistent standard tariffs across trading, demat custody, and banking operations.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹20 + GST per ISIN fee levied on unpledging / invocation
- •₹20 + GST per order handling charge per Buyback / OFS order
- •₹350 + GST penalty for bounced cheques or failed ECS mandates
Lowest collateral pledge charges, free corporate action tenders, and free netbanking.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •₹0 Free order processing for Buybacks & Takeovers via e-DIS
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹15 + GST per ISIN fee levied on unpledging / invocation
- •₹300 + GST penalty for bounced cheques or failed ECS mandates
- •₹50 + GST penalty if intraday positions are closed by RMS
Lowest collateral pledge charges, free corporate action tenders, and free netbanking.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •₹0 Free order processing for Buybacks & Takeovers via e-DIS
- •Industry-lowest RMS auto-square off fee (₹25 vs ₹50 at peers)
- •₹25 + GST per ISIN fee levied on unpledging / invocation
- •₹300 + GST penalty for bounced cheques or failed ECS mandates
- •18.2% p.a. (0.0499% per day) penalty interest on overdue debit balances
Zero charges for netbanking deposits and zero broker penalty on failed mandates.
- •₹0 Free Netbanking & UPI pay-ins (Zero convenience fee)
- •Zero broker penalty for returned cheques or failed auto-pay mandates
- •Lowest physical rematerialisation charge (₹50 vs ₹150 at peers)
- •₹20 + GST per ISIN fee levied on unpledging / invocation
- •₹20 + GST per order handling charge per Buyback / OFS order
- •₹50 + GST per order penalty if intraday positions are closed by RMS
Why Ancillary Charges Matter
While headline brokerage is often marketed as free or flat ₹20, ancillary operational fees like auto-square off, telephone dealer calls, and physical contract dispatches can silently compound. Every number in this table is directly backed by official broker tariff sheets.
| Fee Category | Zerodha discount | Groww discount | Angel One discount | Dhan fintech | Upstox discount | m.Stock discount | Kotak Neo bank based | INDmoney fintech | Sahi App fintech | Pocketful fintech | Paytm Money discount |
|---|---|---|---|---|---|---|---|---|---|---|---|
Call & Trade Desk FeePenal Charged per order placed through a broker telephone dealing desk instead of digital apps. | ₹50 + GST per executed order Levied for orders placed through dealer support telephone desk | ₹50 + GST per executed order Levied on orders placed through dealer support telephone desk | ₹20 + GST per executed order Dealer assisted order placement desk fee | ₹50 + GST per order Orders placed via phone dealer support desk | ₹50 + GST ₹50 + GST per executed order placed via phone dealing desk | ₹0 Free ₹0 Free Call & Trade service as per current official tariff schedule (previously ₹50 + GST) | ₹50 + GST ₹50 + GST per order placed through dealing desk | ₹500 + GST ₹500 + GST per executed order placed via dealing desk (highest penalty in Indian broking) | ₹50 + GST ₹50 + GST per executed order placed via dealing desk | ₹25 + GST ₹25 + GST per executed order placed via dealing desk (Free on Pro Plan; Lowest dealing desk fee in India) | ₹50 + GST per executed order Levied on orders placed through dealer support telephone desk |
RMS Auto-Square OffPenal Penalty charged by Risk Management System when squaring off intraday or margin shortfalls. | ₹50 + GST per order Additional charge for intraday positions auto squared off by RMS | ₹50 + GST per order Intraday position auto-square off fee | ₹20 + GST per order Margin call auto square-off penalty fee | ₹50 + GST per order Auto square-off fee for intraday and margin shortfall | ₹50 + GST Auto square-off fee of ₹50 + GST per executed order for open intraday positions closed by RMS | ₹100 + GST ₹100 + GST per executed order for open intraday positions squared off by the system (highest among discount brokers) | ₹50 + GST ₹50 + GST per executed order for open intraday positions closed by RMS system | ₹50 + GST ₹50 + GST per position auto squared-off by RMS for open intraday positions | ₹50 + GST ₹50 + GST per executed order auto squared-off by RMS | ₹25 + GST ₹25 + GST per executed order for auto-square off by RMS (Lowest among discount brokers) | ₹50 + GST per order Intraday position auto-square off fee |
Delayed Payment InterestPenal Interest charged on overdue debit ledger balances (typically 1.5% - 2% per month / 18% - 24% p.a.). | 18% p.a. (0.05% per day) Interest is charged at 18% p.a. (0.05% per day / ₹50 per lakh) on overdue debit ledger balances and F&O non-cash margin shortfalls | 18.25% p.a. (0.05% per day) Delayed payment charges (DPC) of 0.05% per day (~18.25% p.a.) applied on negative ledger balance until cleared | 18% p.a. (1.5% per month) Delayed payment interest of 1.5% per month (18% p.a. / 0.05% per day) levied on overdue debit balance exceeding settlement cycle | 16% p.a. (0.0438% per day) 0.0438% per day (~16% annualized) charged on debit balances or non-maintenance of the 50:50 margin requirement | 18% p.a. (0.05% per day) 0.05% per day (18% per annum) interest charged on overdue debit balances | 18% p.a. (0.05% per day) 18% per annum (0.05% per day) penalty interest charged on unpaid ledger debits | 18% p.a. (0.05% per day) 18% per annum charged on overdue debit balances beyond T+2 settlement | 18% p.a. (0.05% per day) 18% per annum (0.05% per day) penalty interest charged on overdue debit balances | 18% p.a. (0.05% per day) 18% per annum (0.05% per day) penalty interest charged on overdue debit balances | 18.2% p.a. (0.0499% per day) 0.0499% per day (~18.2% annualized) charged on debit balances beyond settlement | 18% p.a. (0.05% per day) Delayed payment charges of 0.05% per day (~18% p.a.) applied on debit balance until cleared |
Depository (DP) Debit Charge Levied when delivering equity shares from your demat account upon sell execution. | ₹19.00 + GST per scrip ₹19.00 + GST per scrip per day on sell debit (₹13.50 CDSL fee + ₹5.50 Zerodha fee; Total ₹22.42 incl. GST) | ₹20.00 + GST per company ₹20.00 + GST per company per day on sell debit (₹13.50 CDSL fee + ₹6.50 Groww fee; Total ₹23.60 incl. GST) | ₹20.00 + GST per debit transaction ⚠ BSDA: ₹50/debit ₹20.00 + GST per debit transaction per day (₹13.50 CDSL fee + ₹6.50 Angel One fee; Total ₹23.60 incl. GST) | ₹14.00 + GST per scrip ₹14.00 + GST per scrip per day on sell debit (₹12.50 CDSL fee + ₹1.50 Dhan fee; Total ₹16.52 incl. GST) | ₹20.00 + GST ₹20.00 + GST per scrip debited per day (CDSL fee ₹3.50 + Upstox markup ₹16.50; Total ₹23.60 incl. GST) | ₹18.00 + GST ₹18.00 + GST per debit transaction per scrip on sell (₹12.50 depository fee + ₹5.50 mStock markup; Total ₹21.24 incl. GST) | ₹13.50 + GST ₹13.50 + GST per scrip per day on debit (₹13.50 depository fee + ₹0 broker markup; Total ₹15.93 incl. GST) | ₹18.50 + GST ₹18.50 + GST per scrip per day on debit (₹13.50 CDSL fee + ₹5.00 INDmoney markup; Total ₹21.83 incl. GST) | ₹13.50 + GST ₹13.50 + GST per scrip per day on debit (₹13.50 CDSL fee + ₹0 broker markup; Total ₹15.93 incl. GST) | ₹13.50 + GST ₹13.50 + GST per scrip per day on debit (₹13.50 CDSL fee + ₹0 Pocketful markup; Total ₹15.93 incl. GST) | ₹13.50 + GST per company ₹13.50 + GST per company per day on sell debit (₹3.50 CDSL fee + ₹10.00 Paytm Money fee; Total ₹15.93 incl. GST) |
Demat Annual Maintenance Charge (AMC) Recurring annual fee levied to maintain depository records. Legally waived (₹0 AMC) for portfolios ≤ ₹4 Lakhs under SEBI BSDA provisions. | ₹300 / year + GST BSDA: ₹0 (< ₹4L) Billed quarterly @ ₹75 + GST; ₹0 for BSDA accounts below ₹4,00,000 holding | ₹0 Free Zero Demat AMC for life (₹0 annual maintenance charge) | ₹0 1st year, then ₹240/yr + GST BSDA: ₹0 (< ₹4L) Free for first year; ₹20/month (₹240/year + GST) from second year | ₹0 Free Zero Annual Maintenance Charge (₹0 Demat AMC for life) | ₹0 Free Lifetime ₹0 Demat AMC for all resident individual accounts | ₹0 Free ₹0 Demat AMC on current Flat ₹10 plan (No subscription fee; legacy plan charged ₹120/quarter) | 600 BSDA: ₹0 (< ₹4L) ₹0 first year; ₹50/month (₹600/year) from second year onwards | ₹0 Free Lifetime ₹0 Demat AMC for all resident individual accounts | ₹0 Free Lifetime ₹0 Demat AMC for all resident individual accounts | ₹0 Free Lifetime ₹0 Demat AMC for all resident individual accounts | ₹0 Free Zero Demat AMC for life (₹0 annual maintenance charge) |
Demat Re-materialization Fee per certificate to convert electronic digital holdings back into physical paper share certificates. | ₹150 per certificate + courier ₹150 per mutual fund scheme / equity certificate + ₹100 courier charges + 18% GST | ₹150 per certificate + courier ₹150 per physical share certificate + courier charges (max ₹100) + 18% GST | ₹50 per certificate + courier ₹50 per certificate + ₹50 postage/courier charges + actual CDSL depository fees + GST | ₹150 per certificate + courier ₹150 per certificate + courier and postal charges + GST via CDSL remat request form | ₹150 per certificate + courier ₹150 per certificate plus courier/postal charges + GST for rematerialisation of securities into physical form | ₹100 per certificate + courier ₹100 per certificate plus actual courier and dispatch charges for physical rematerialisation | ₹50 per certificate + courier ₹50 per certificate plus courier charges + GST for rematerialisation | ₹150 per certificate + courier ₹150 per certificate plus actual courier and dispatch charges for physical rematerialisation | ₹150 per certificate + courier ₹150 per certificate plus actual courier charges for physical rematerialisation | ₹150 per certificate + courier ₹150 per certificate plus actual courier and dispatch charges for physical rematerialisation | ₹150 per certificate + courier ₹150 per physical share certificate + courier charges + 18% GST |
Off-market Transfer Fee Charge per transaction when transferring shares directly between two demat accounts via DIS or online speed-e. | ₹25 or 0.03% (whichever higher) + GST ₹25 per transaction or 0.03% of the transfer value (whichever is higher) + 18% GST per ISIN | ₹20 + GST per transaction Standard depository off-market transfer fee (Groww component ₹16.50 + CDSL fee ₹3.50 + GST) per company/ISIN transfer-out | 0.05% or ₹50 (whichever higher) + GST 0.05% of value or flat ₹50 per transaction (whichever higher) + GST for off-market transfer via DIS or Speed-e | 0.03% or ₹25 (whichever higher) + GST 0.03% or ₹25 per transaction (whichever is higher) + GST for off-market transfers via DIS / CDSL Easiest | 0.03% or ₹25 (whichever higher) + GST 0.03% of transfer value or ₹25 per transaction (whichever is higher) + GST for off-market transfers | 0.03% or ₹25 (whichever higher) + GST 0.03% or ₹25 per transfer transaction (whichever is higher) + GST for off-market transfers | 0.03% or ₹25 (whichever higher) + GST 0.03% or ₹25 per transaction (whichever is higher) + GST for off-market delivery transfers | 0.03% or ₹25 (whichever higher) + GST 0.03% or ₹25 per transaction (whichever is higher) + GST for off-market delivery transfers | 0.03% or ₹25 (whichever higher) + GST 0.03% or ₹25 per transaction (whichever is higher) + GST for off-market delivery transfers | 0.03% or ₹25 (whichever higher) + GST 0.03% or ₹25 per transaction (whichever is higher) + GST for off-market delivery transfers | ₹20 + GST per transaction ₹20 + 18% GST or 0.03% (whichever is higher) per ISIN debit |
Corporate Action Processing Handling charges for rights issue, buyback, takeovers, or OFS order submissions. | ₹20 + GST per order ₹20 + 18% GST per order for OFS, buyback, takeover, and delisting orders placed through Console | ₹20 + GST per order ₹20 + 18% GST per buyback / OFS application placed through Groww portal (standard DP charges apply on tender debit) | ₹20 + GST per order ₹20 + GST per order for buyback and OFS tender requests through Angel One | ₹0 Free ₹0 Free processing fee on Dhan platform for participating in corporate buybacks and takeovers via online EDIS authorization (standard DP transfer charges apply) | ₹20 + GST per order ₹20 + GST handling charge for tender offer participation (Buyback / Takeover / Delisting) via online DIS | ₹0 Free ₹0 Free order processing for participating in corporate action tender offers via e-DIS | ₹0 Free ₹0 Free processing for online corporate action tenders via e-DIS | ₹20 + GST per order ₹20 + GST handling charge for tender offer participation (Buyback / Takeover / OFS) via online e-DIS | ₹0 Free ₹0 Free order processing for participating in corporate tender offers via online e-DIS | ₹0 Free ₹0 Free order processing for participating in corporate tender offers via online e-DIS | ₹20 + GST per order ₹20 + 18% GST per buyback / OFS application placed through Paytm Money |
MTF Margin Interest Rate Annualized interest charged on capital borrowed under Margin Trading Facility (MTF) holding positions. | 0.04% per day (~14.6% p.a.) 0.04% per day (₹40 per lakh) on funded amount from T+1 day until sold. Brokerage: ₹20 or 0.3% per order (whichever lower). Auto-pledge/unpledge: ₹15 + GST per ISIN. RMS square-off: ₹50 + GST. | 14.95% p.a. (~0.041% per day) 14.95% per annum on funded amount (~0.041% per day). Brokerage: 0.1% per order of order value. Up to 4x leverage. Pledge/unpledge: ₹20 + GST per ISIN. | 14.99% p.a. (0.041% per day) 0.041% per day (14.99% per annum) on borrowed amount. Brokerage: ₹20 or 0.1% per order (min ₹2). Up to 4x leverage with unlimited holding period. Pledge/unpledge: ₹20 + GST per ISIN. | Starts at 12.49% p.a. (0.0342% per day) Slab-based: 12.49% p.a. up to ₹5L (0.0342%/day), 13.49% for ₹5L-₹10L, 14.49% for ₹10L-₹25L, 15.49% for >₹25L. Up to 4x leverage on 1700+ stocks. Pledge creation ₹12.5 + GST. | ₹20/day per ₹50,000 borrowed (~14.6% - 18% p.a.) ₹20 per day per ₹50,000 borrowed for Margin Trading Facility (MTF) up to ₹1 Lakh; ~14.6% to 18% annualized | Starts at 8.99% p.a. Pay Later (MTF) interest starts at 8.99% p.a. with unlimited holding period across 1,100+ eligible stocks | Starts at 9.69% p.a. Margin Trading Facility (MTF) starts at 9.69% p.a. on Trade Free Pro plan; standard plan is 9.75% to 12.5% p.a. | 18% p.a. (0.05% per day) Standard margin interest charged at 0.05% per day (18% annualized) on debit ledger balances | 18% p.a. (0.05% per day) 18% annualized interest on margin funding debits | Starts at 5.99% p.a. Tier-based MTF: 5.99% p.a. (0.016%/day) up to ₹1,00,000 borrowed; 14.60% p.a. (0.040%/day) for ₹1L to ₹25L | 14.5% p.a. (~0.04% per day) 14.5% per annum on funded amount (~0.04% per day) under Margin Trading Facility |
Pledge Creation Fee Charge per ISIN to pledge holdings for margin collateral with clearing corporation. | ₹30 + GST per ISIN ₹30 + 18% GST per pledge request per ISIN regardless of quantity | ₹20 + GST per ISIN ₹20 + 18% GST per pledge request per ISIN | ₹20 + GST per ISIN ₹20 + GST per request per ISIN (₹15 Angel One fee + ₹5 CDSL fee + GST) | ₹12.50 + GST (₹15 incl. GST) ₹12.50 + GST (₹15 including GST) per transaction per ISIN for pledge creation | ₹20 + GST per ISIN ₹20 + GST per transaction per ISIN for creating margin pledge on securities | ₹0 Free ₹0 Free margin pledge creation fee per PSN per day | ₹15 + GST per ISIN ₹15 + GST per transaction per ISIN for creating margin pledge | ₹20 + GST per ISIN ₹20 + GST per transaction per ISIN for creating margin pledge | ₹15 + GST per ISIN ₹15 + GST per transaction per ISIN for creating margin pledge | ₹25 + GST per ISIN ₹25 + GST per transaction per ISIN for creating margin pledge | ₹20 + GST per ISIN ₹20 + 18% GST per pledge request per ISIN |
Pledge Closure / Invocation Charge per scrip when unpledging or clearing collateral back to free balance. | ₹0 Free ₹0 Free for unpledging. No fee levied when releasing pledged collateral back to free demat holdings | ₹20 + GST per ISIN ₹20 + 18% GST per unpledge or pledge invocation request per ISIN | ₹20 + GST per ISIN ₹20 + GST per unpledge or invocation request per ISIN | ₹12.50 + GST (₹15 incl. GST) ₹12.50 + GST (₹15 including GST) per transaction per ISIN for unpledge and invocation requests | ₹20 + GST per ISIN ₹20 + GST per transaction per ISIN for unpledging / closure of margin pledge | ₹32 + GST per PSN ₹32 + GST per PSN (Pledge Sequence Number) per day for pledge closure / unpledge | ₹15 + GST per ISIN ₹15 + GST per transaction per ISIN for pledge closure or invocation | ₹20 + GST per ISIN ₹20 + GST per transaction per ISIN for pledge closure or unpledge | ₹15 + GST per ISIN ₹15 + GST per transaction per ISIN for pledge closure or unpledge | ₹25 + GST per ISIN ₹25 + GST per transaction per ISIN for pledge closure or unpledge requests | ₹20 + GST per ISIN ₹20 + 18% GST per unpledge or pledge invocation request per ISIN |
Account Opening / Setup Fee One-time registration and onboarding fee to establish trading privileges. | ₹0 Free ₹0 for online digital account opening; ₹200 for physical/paper account opening | ₹0 Free ₹0 account opening fee (100% Free digital trading and demat account opening) | ₹0 Free ₹0 online account opening fee (Free iTrade PRIME account opening) | ₹0 Free ₹0 account opening fee (Free trading and demat account opening) | ₹0 Free ₹0 Free online Demat and Trading account opening | ₹0 Free ₹0 Online Trading & Demat Account opening fee | ₹0 Free ₹0 Account opening fee on standard Trade Free Plan (₹99 on Trade Free Youth Plan) | ₹0 Free ₹0 Free online Demat and Trading account opening | ₹0 Free ₹0 Free online Trading and Demat account opening | ₹0 Free ₹0 Free online Demat and Trading account opening | ₹0 Free ₹0 account opening fee (100% Free digital trading and demat account opening) |
Physical Contract Note Dispatched via physical courier when requested instead of electronic digital contract notes (ECN). | ₹20 + ₹50 courier charge per contract Courier dispatched per contract note request | ₹10 + courier charges Courier dispatched per physical contract request | ₹50 + GST per contract note Courier dispatch fee for hard copy contract note | ₹50 + GST per contract Courier charges for physical contract note copy | ₹50 per request + courier Physical contract note / account statement request charges | ₹100 per request + ₹100 courier ₹100 per request + ₹100 per courier for physical contract notes or ledger statements | ₹50 per request + courier ₹50 + courier charges for physical contract note or statement dispatch | ₹50 per request + courier Physical contract note / account statement request charges | ₹50 per request + courier Physical contract note / account statement request charges | ₹50 per request + courier Physical contract note / account statement request charges | ₹50 + courier charges Courier dispatched per physical contract note request |
Cheque Bounce / Return FeePenal Penalty levied when funds deposited via physical paper cheque or ECS are returned unpaid. | ₹350 + GST ₹350 + 18% GST per returned or bounced physical cheque | ₹0 Free ₹0 broker penalty (Groww does not levy internal cheque or mandate bounce fees; respective bank charges apply) | ₹350 + GST ₹350 + GST per bounced or returned cheque | ₹250 + GST ₹250 + GST penalty per returned cheque or rejected physical mandate | ₹350 + GST ₹350 + GST penalty per returned cheque or failed auto-debit mandate | ₹300 + GST ₹300 + GST penalty per bounced cheque or failed NACH auto-pay mandate | ₹350 + GST ₹350 + GST penalty per dishonoured cheque or returned mandate | ₹350 + GST ₹350 + GST penalty per bounced cheque or failed NACH auto-pay mandate | ₹300 + GST ₹300 + GST penalty per bounced cheque or failed NACH mandate | ₹300 + GST ₹300 + GST penalty per bounced cheque or failed NACH mandate | ₹0 Free ₹0 broker penalty (Paytm Money does not levy internal cheque bounce fees; respective bank charges apply) |
Payment Gateway Netbanking Fee Convenience surcharge levied when adding funds via non-UPI netbanking gateways. | ₹9 + GST per transfer ₹9 + 18% GST per netbanking transfer via payment gateway. UPI transfers and direct IMPS/NEFT transfers are ₹0 Free | ₹0 Free ₹0 Free for all Netbanking and UPI pay-ins. Zero convenience surcharge added by Groww | ₹10 + GST per transaction ₹10 + GST per transaction for Netbanking transfers via third-party payment gateway. UPI transfers are ₹0 Free | ₹0 Free ₹0 Free for all Netbanking and UPI pay-ins via Dhan app and web | UPI Free; Netbanking ₹7 + GST ₹0 Free for UPI transfers; ₹7 + GST per transaction on Netbanking deposits | UPI Free; Netbanking ₹7 - ₹11 + GST UPI & Smart Pay transactions are Free; Netbanking charges vary between ₹7 - ₹11 + GST depending on bank | ₹0 Free ₹0 Free for UPI and Netbanking pay-ins (including 3-in-1 Kotak Mahindra Bank transfer integration) | ₹0 Free ₹0 Free for all UPI and Netbanking pay-ins on INDmoney mobile app and web | ₹0 Free ₹0 Free for all UPI and Netbanking transfers via Sahi app | UPI Free; Netbanking ₹9 + GST ₹0 Free for UPI transfers; ₹9 + GST per transaction for Netbanking transfers | ₹0 Free ₹0 Free for all Netbanking and UPI pay-ins. Zero convenience surcharge |