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5paisa Vs Upstox Vs Paytm Money: Which one is better?
Last updated August 22, 2026
This IPO News reference page covers “5paisa Vs Upstox Vs Paytm Money: Which one is better?”. The page is organized around compare stock brokers side-by-side, compare 5paisa vs upstox vs paytm money on service, account opening charges and amc, compare 5paisa vs upstox vs paytm money on trading & demat account opening charges, about brokerage plans. IPO News presents the structured facts and tables in its own layout and wording.
Topics Covered
- Compare Stock Brokers Side-by-Side
- Compare 5paisa vs Upstox vs Paytm Money on Service
- Account Opening Charges and AMC
- Compare 5paisa vs Upstox vs Paytm Money on Trading & Demat Account Opening Charges
- About Brokerage Plans
- Compare 5paisa vs Upstox vs Paytm Money on Plan Options
- Account Opening
- Share Broker's Transaction Charges
- Compare 5paisa vs Upstox vs Paytm Money on Transaction Charges
- Account Features
- Compare 5paisa vs Upstox vs Paytm Money on Account Features
- Trading Platform
- Compare 5paisa vs Upstox vs Paytm Money on Trading Platform
- Broker Ratings by Users
- Compare 5paisa vs Upstox vs Paytm Money on User Rating
- Investment Offerings
- Compare 5paisa vs Upstox vs Paytm Money on Investment Offerings
- Margin Trading Facility
- Compare 5paisa vs Upstox vs Paytm Money on MTF
- API
- Compare 5paisa vs Upstox vs Paytm Money on API Details
- Customer Service Offered
- Compare 5paisa vs Upstox vs Paytm Money on Customer Service
- Tips/Research/Reports Published
- Compare 5paisa vs Upstox vs Paytm Money on Research Reports, Tips
- Demat Account
- Compare 5paisa vs Upstox vs Paytm Money on Demat Account
- Special Offers, Advantages, Disadvantages
- Compare 5paisa vs Upstox vs Paytm Money on Special Offers and Promotion
- Ready to start trading?
Key Facts
- India's trusted financial research platform since 2015. Live IPO GMP, subscription data, allotment status, Rights Issues, NCDs and unbiased stock broker reviews.
- Cost-effective trading services (Rs 20/order) with free account opening
- Rs 0 platform fee to access FnO 360 platform
- Invest across segments under one roof – Stocks (NSE/BSE), F&O, commodity, IPOs, mutual funds, NPS
- 100% paperless KYC process
- Transparent pricing model of Rs 20 brokerage
- High call and trade and auto-square off charges = Rs 75 per order
- No 3-in-1 account opening facility.
- Does not offer Rs 0 brokerage unlimited monthly trading plans.
- 💰 Flat ₹20 Brokerage per Trade
- 💹 Max ₹20 per Order Brokerage on All Trades
- Max Rs. 20 per order brokerage on intraday, delivery, and equity derivatives trading
- Last Updated on Wed, May 20, 2026
Data Tables
| Segment |
5paisa |
Upstox |
Paytm Money |
| Trading Account Opening Fees |
Free |
Promotion offer: Free |
Free |
| Trading AMC |
Free |
Free |
Free |
| Demat Account Opening Fees |
Free |
Free |
Free |
| Demat AMC |
Rs 300 PA |
Rs 300 Per annum (Free for 1st year) |
Free |
| Provide DP Service |
Yes |
Yes |
Yes |
| Plan Types |
5paisa |
Upstox |
Paytm Money |
| Multiple Plans |
No |
No |
No |
| Monthly Plans |
No |
No |
No |
| Yearly Plans |
No |
No |
No |
|
5paisa |
Upstox |
Paytm Money |
| Account Opening Request |
Link to open account |
Link to open account |
|
| Transaction Charges Compare |
5paisa |
Upstox |
Paytm Money |
| Equity Delivery |
NSE:297 | BSE:375 Per Cr |
NSE:297 | BSE:375 Per Cr |
NSE:297 | BSE:375 Per Cr |
| Equity Intraday |
NSE:297 | BSE:375 Per Cr |
NSE:297 | BSE:375 Per Cr |
NSE:297 | BSE:375 Per Cr |
| Equity Futures |
NSE:173 | BSE:0 Per Cr |
NSE:173 | BSE:0 Per Cr |
NSE:173 | BSE:0 Per Cr |
| Equity Options |
NSE:3503 | BSE:3250 Per Cr on premium |
NSE:3503 | BSE:3250 Per Cr on premium |
NSE:3503 | BSE:3250 Per Cr on premium |
| Currency Futures |
NSE:35 | BSE:45 Per Cr |
NSE:35 | BSE:45 Per Cr |
NSE:35 | BSE:45 Per Cr |
| Currency Options |
NSE:3110 | BSE:100 Per Cr |
NSE:3110 | BSE:100 Per Cr |
NSE:3110 | BSE:100 Per Cr |
| Commodity |
MCX: 4180| NSE: 100 Per Cr |
MCX: 4180| NSE: 100 Per Cr |
MCX: 4180| NSE: 100 Per Cr |
| Brokerage Charges |
Complete Brokerage Plans for 5paisa |
Complete Brokerage Plans for upstox |
Complete Brokerage Plans for paytm-money |
| Account Features Compare |
5paisa |
Upstox |
Paytm Money |
| 3 in 1 Account |
No |
Yes |
No |
| Charting |
Yes |
Yes |
Yes |
| Algo Trading |
Yes |
Yes |
No |
| SMS Alerts |
Yes |
Yes |
No |
| Online Demo |
Yes |
Yes |
No |
| Online Portfolio |
Yes |
Yes |
Yes |
| Margin Trading Funding Available |
Yes |
Yes |
No |
| Combined Ledger for Equity and Commodity |
Yes |
Yes |
No |
| Intraday Square-off Time |
3:15 PM |
3:15PM |
3:10 PM |
| NRI Trading |
No |
No |
No |
| Other Features |
NIL |
NIL |
NIL |
| Trading Platform Compare |
5paisa |
Upstox |
Paytm Money |
| Web Trading Platform |
Yes |
Yes |
Yes |
| Web Trading Detail |
https://login.5paisa.com/ |
https://pro.upstox.com/ |
Paytm Money Web |
| Web Trading Demo |
Web Trading Demo |
Web Trading Demo |
Web Trading Demo |
| Mobile Trading |
Yes |
Yes |
Yes |
| Mobile Trading App |
5paisa Mobile App |
Upstox |
Paytm Money App |
| Mobile Trading App Demo |
5paisa Mobile App |
Upstox |
Paytm Money App |
| Android Mobile App |
Yes |
Yes |
Yes |
| Android App Download |
Android 5paisa Mobile App Download |
Android Upstox Download |
Android Paytm Money App Download |
| iPhone Mobile App (IOS) |
Yes |
Yes |
Yes |
| iOS App Download |
iOS 5paisa Mobile App Download |
iOS Upstox Download |
iOS Paytm Money App Download |
| Android Tablet App |
Yes |
Yes |
Yes |
| iPad App (IOS) |
Yes |
Yes |
Yes |
| Trading Software Charges |
Free |
Free |
Rs. 30 per month |
| Equity Brokerage Calculator |
Equity Intraday and Delivery Brokerage Calculator for 5paisa |
Equity Intraday and Delivery Brokerage Calculator for Upstox |
Equity Intraday and Delivery Brokerage Calculator for Paytm Money |
| Futures Brokerage Calculator |
Futures Brokerage Calculator for 5paisa |
Futures Brokerage Calculator for Upstox |
Futures Brokerage Calculator for Paytm Money |
| Options Brokerage Calculator |
Option Brokerage Calculator for 5paisa |
Option Brokerage Calculator for Upstox |
Option Brokerage Calculator for Paytm Money |
| Detail |
Detail on Trading Platforms for 5paisa |
Detail on Trading Platforms for Upstox |
Detail on Trading Platforms for Paytm Money |
|
5paisa |
Upstox |
Paytm Money |
|
28 Customer reviews Rate |
17 Customer reviews Rate |
20 Customer reviews Rate |
| Fees Ratings |
3.2 |
3.6 |
1.0 |
| Trading Brokerage Rating |
3.9 |
3.5 |
1.3 |
| Trading Platform Usability |
3.4 |
3.5 |
1.0 |
| Customer Service Ratings |
2.8 |
3.3 |
0.8 |
| Overall Rating |
3.2 |
3.4 |
0.9 |
| Broker Rating |
5paisa is Rated 3.2 / 5 based on 28 customer reviews |
Upstox is Rated 3.4 / 5 based on 17 customer reviews |
Paytm Money is Rated 0.95 / 5 based on 20 customer reviews |
| Investment Offerings Compare |
5paisa |
Upstox |
Paytm Money |
| Equity Cash and F&O |
Yes |
Yes |
Yes |
| Currency Derivatives |
Yes |
Yes |
No |
| Commodity |
Yes |
Yes |
No |
| Online IPO Application |
Yes |
Yes |
Yes |
| Mutual Funds |
Yes |
Yes |
Yes |
| Bonds / NCD |
Yes |
No |
No |
| ETF |
Yes |
Yes |
Yes |
| Banking |
No |
No |
No |
| Insurance |
Yes |
No |
Yes |
| Forex |
No |
No |
No |
| MF SIP Investment |
Yes |
Yes |
Yes |
| Equity SIP Investment |
Yes |
Yes |
Yes |
| PMS Service |
No |
No |
No |
| Other Investment Options |
Smallcase, US stocks |
NPS |
|
| MTF Compare |
5paisa |
Upstox |
Paytm Money |
| MTF Leverage |
Up to 4x leverage on 1500+ stocks |
Upto 4x leverage |
Up to 4X buying power on 1200+ stocks |
| MTF Interest Rate |
0.026% – 0.042% per day (9.50%-15.50% per annum) Slab-based MTF Interest rates |
₹20/day for every ₹40,000 – ₹50,000 (Varies by plan) |
7.99% – 9.99% per annum |
| MTF Segment |
Equity Delivery (NSE and BSE) |
Equity Delivery (NSE and BSE) |
Equity Delivery |
| MTF Pledge Charges |
₹25 per scrip |
₹20 per ISIN |
₹20 per ISIN |
| MTF Unpledged Charges |
₹25 per scrip |
₹20 per ISIN |
₹20 per ISIN |
| Maximum MTF Funding |
NA |
Maximum MTF Positions upto ₹5 crore with ₹3.75 crore MTF Funding |
Up to ₹5 crore |
| API Compare |
5paisa |
Upstox |
Paytm Money |
| API Type |
Trading API (Order management, Market Data, and portfolio API) Market Data API |
Market Data API (REST/WebSocket) Historical Data API Trading API (Order |
Trading API Live Market Data API |
| API Charges |
Free |
Free |
Free |
| Customer Service Compare |
5paisa |
Upstox |
Paytm Money |
| 24/7 Customer Service |
No |
No |
No |
| Email Support |
Yes |
Yes |
Yes |
| Online Live Chat |
No |
Yes |
No |
| Phone Support |
Yes |
Yes |
No |
| Toll Free Number |
No |
No |
No |
| Through Branches |
No |
Yes |
No |
| Customer Care Number |
+91 89766 89766 |
+91 22 6130 9999 |
NA |
| Account Opening Process |
Online/Paperless |
Online/Paperless |
Online/Paperless |
| Customer Support Email |
[email protected] |
[email protected] |
[email protected] |
| Knowledge Center/Education |
https://www.5paisa.com/knowledge-centre |
https://upstox.com/help-center/ |
https://www.paytmmoney.com/care |
| Head Office Address |
5paisa headquaterSun Infotech Park, Road No.16V, Plot No.B-23 ThaneIndustrial Area, Wagle Estate,Thane – 400604 |
Upstox Corporate OfficeSunshine Tower,30th Floor,Senapati Bapat Marg,Dadar (W),Mumbai – 400 013 |
Paytm Money Stock Broking Essae Vaishnavi Summit Ground Floor, Koramangla, 80 Feet Road, Bengaluru – 560034 |
| Website |
https://www.5paisa.com/ |
https://upstox.com/ |
https://www.paytmmoney.com/ |
|
5paisa |
Upstox |
Paytm Money |
| Research Mutual Funds |
Yes |
No |
No |
| Research Equity Reports |
Yes |
No |
No |
| Research ETF |
No |
No |
No |
| Daily Market Report |
Yes |
No |
No |
| Free Tips |
Yes |
No |
No |
| Quarterly Result Analysis |
No |
No |
No |
| News Alerts |
Yes |
No |
No |
|
5paisa |
Upstox |
Paytm Money |
| DP Source |
CDSL |
CDSL |
CDSL |
| DP ID |
82500 |
81800 |
88800 |
| Demat Account Annual Maintenance Charges(AMC) |
₹300 pa |
₹300 PA |
Zero |
| Advance Deposit |
NIL |
NIL |
Nil |
| Statutory charges |
Nil |
Nil |
Nil |
| Transaction Charges on Debit (Per ISIN) |
₹12.50 per ISIN |
₹13 + ₹5.50 CDSL charges |
₹10 per ISIN |
| Demat |
₹15 per certificate |
₹20 + ₹50 courier charges |
₹250 per 100 shares |
| Remat |
₹15 for every hundred securities or ₹15 per certificate whichever is higher |
₹100 for every hundred securities or ₹25 per certificate (whichever is higher) |
₹250 per 100 shares |
| Pledge Creation |
₹12.50 per script |
0.02% of the transaction value (Min ₹50) + CDSL charges |
₹32 per ISIN |
| Pledge Creation Confirmation |
NIL |
0.02% of the transaction value (Min ₹50) + CDSL charges |
Nil |
| Pledge Closure |
₹12.50 per script |
0.02% of the transaction value (Min ₹50) + CDSL charges |
₹32 per ISIN |
| Pledge Closure Confirmation |
NIL |
0.02% of the transaction value (Min ₹50) + CDSL charges |
Nil |
| Pledge Invocation |
NIL |
0.05% of the transaction value (Min ₹50) |
₹32 per ISIN |
| Failed Instruction Charges |
Nil |
₹50 |
Nil |
| Other Charges |
Nil |
Nil |
Nil |
|
5paisa |
Upstox |
Paytm Money |
| Likes |
Cost-effective trading services (Rs 20/order) with free account opening 5paisa all-in-one account to trade and/or invest in stocks, derivatives, commodity, currency, IPO, NCD, and mutual funds. Free of cost trading platform No minimum balance required in 5paisa trading account Rs 0 platform fee to access FnO 360 platform 5paisa advanced platforms offer technical and fundamental research for free. Daily long/short-term investment calls from experts Margin Trading Facility Robo Advisory Services Advanced orders like basket order, VTT, bracket and cover order, etc. Detail Review… |
Invest across segments under one roof – Stocks (NSE/BSE), F&O, commodity, IPOs, mutual funds, NPS Competitive and transparent brokerage charges along with free account opening services. Advanced trading platforms, suitable for both new investors and professional traders. Easy and paperless account opening with basic KYC documents required Charting, host of analytical tools, real-time market alerts, and fast order execution for speed and reliability Detail Review… |
100% paperless KYC process No annual maintenance charges on Demat Account Free account opening at no cost Brokerage-free investment in direct mutual funds Transparent pricing model of Rs 20 brokerage One-tap investment in IPO User-friendly platforms with ease of investment Swift and secure UPI payment Bracket order, cover order, GTT order, and OCO order Detail Review… |
| Dislikes |
Delivery trading is not free in 5paisa. Best NRI brokers 5paisa does not have zero brokerage unlimited trading plans. Detail Review… |
Delivery trading is not free, check free equity delivery brokers. NRI Trading not available, Check best NRI brokers. No intraday trading tips, investment recommendations, research, and advisory services. Some users reported technical glitches and bugs certain times. High call and trade and auto-square off charges = Rs 75 per order Detail Review… |
No commodity and currency trading Does not offer NRI trading No 3-in-1 account opening facility. Does not offer Rs 0 brokerage unlimited monthly trading plans. Delivery trading is not free No trading terminal offered No branch or customer support High call & trade charge Detail Review… |
| Special Offers/Promo |
🟠 Current Promotion from 5paisa for InvestorGain Visitors: 💰 Flat ₹20 Brokerage per Trade 🌱 Free Direct Mutual Fund Investments 📊 Advanced Trading Platforms, Research & Advisory 🚀 Open Instant 5paisa Account Now! |
🔵 Current Offer from Upstox for InvestorGain Visitors: 🆓 Free Upstox Demat & Trading Account 📭 No AMC for the 1st Year 💹 Max ₹20 per Order Brokerage on All Trades 🌱 Free Mutual Funds & IPO Investment 🚀 Open Instant Free Upstox Account Now! |
Max Rs. 20 per order brokerage on intraday, delivery, and equity derivatives trading Lifetime Zero Demat AMC A/c Free direct mutual fund investment Open Instant Paytm Money Account Now! |
|
Open 5paisa Account Now |
Open Upstox Account Now |
|
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