5Paisa vs Paytm Money Review 2025 | Which One is Better
5Paisa vs Paytm Money
5Paisa And Zerodha Both Are Discount Broker , 5Paisa was Founded In 1996 While Paytm Money Was Founded In 2017
5Paisa
One of the top online stockbrokers in India is 5paisa.com, which provides
consumers investors with affordable brokerage services. The founders of IIFL are the
advocates of 5paisa Capital Ltd, a professionally managed and publicly traded firm. It has
more than 1.2 million clients as of March 2021. At BSE, NSE, and MCX, 5paisa online
trading is offered for currency, commodities, and stocks.
Three subscription packages are available from 5Paisa: the Ultra Trader Pack, Power
Investor Pack, and Regular Account Pack. These programmes provide you a number of
advantages, such as flat fees that drop from Rs. 20 to Rs. 10 and zero account opening
fees.
Paytm Money
Paytm Money, on the other hand, attracts new and tech investors with
its user-friendly interface, low commissions and seamless integration with the Paytm
ecosystem. It stands out for its simplicity and accessibility, making it ideal for beginners. Both
platforms have their strengths, with Kotak suitable for in-depth trading and Paytm Money
facilitating and cost-effective investing.
Founded in 2017, Paytm Money Limited (commonly known as Paytm Money) is a discount
brokerage company based in Bengaluru. Paytm Money is a wholly owned subsidiary of
One97 Communications Ltd, India’s largest and leading digital products and mobile platform,
which also owns the Paytm brand. Paytm is an Indian e-commerce payment system
approved by the RBI. Paytm Money is a SEBI registered stockbroker and investment
advisor.
5Paisa, founded in 1996, is a discount broker. It offers trading on the NSE and BSE. It has
one branch across India. Paytm Money, founded in 2017, is a discount broker. It supports
trading on the NSE and BSE. It has one branch across India.
| 5Paisa | Paytm Money | |
| Broker Type | Discount Broker | Discount Broker |
| Year of Incorporation | 1996 | 2017 |
| Exchange of Membership | NSE and BSE | NSE AND BSE |
| Founder | Nirmal Jain | Vijay Shekhar Sharma |
| Number of Branches | 1 | 1 |
5PAISA VS PAYTM MONEY TRADING PLATFORM
| Platform | 5Paisa | Paytm Money |
Trading App | 5 Paisa Android App | Paytm Money Android App |
| Trading Terminal | Available | Not Available |
| Basket Trading Platform | Available | Not Available |
| Algo Trading Platform | Available | Available |
| Foreign Stocks Trading Platform | Available | Not Available |
| Mutual Fund Investment Platform | Available | Available |
| Bonds Investment Platform | Available | Not Available |
| Digital Gold Investment Platform | Available | Not Available |
5 PAISA VS PAYTM MONEY CHARGES
| Charges | 5Paisa | Paytm Money |
| Call and Trade Charge | Rs 100 Per Call (any Number of Trades in a Call | Rs 100 |
| Minimum Brokerage | Rs 20 per trade | NA |
| Other Charges | NA | Platform Usage Fees-Rs. 30/month; Physical Statements/Documents -₹300 Per Request + ₹300 Per Courier |
5 PAISA VS PAYTM MONEY OFFERS
| Offers | 5Paisa | Paytm Money |
| Free AMC | ||
| Free Brokerage | ||
| Free Account opening charge | ||
| Flat brokerage | ||
| Flexible brokerage plan | ||
| Free Intraday and Free Delivery charges | ||
| Margin Funding and Pledging | ||
| Free F & O trading | NA | |
| Refferal offers | 12.5% + Rs.100 Referral Credit per Client | |
| Brokerage cashback | ||
| Zero Brokerage for Loss Making Trades | ||
| Free trading calls | ||
| Free Research report | ||
5PAISA VS PAYTM MONEY PRODUCT PROVIDED
| Type | 5Paisa | Paytm Money |
| Equity Delivery | ||
| Equity Intraday | ||
| Equity Option | ||
| Equity Future | ||
| Currency Option | ||
| Currency Future | ||
| Commodity options | ||
| Commodity Future | ||
| Mutual Funds | ||
| Foreign stocks | ||
| Banking | ||
| Insurance | ||
| Digital gold | ||
| Govt./ Corporate Bonds | ||
COMPARISON OF 5PAISA VS PAYTM MONEY ADVISORY SERVICES
| Services | 5Paisa | Paytm Money |
| IPO SERVICE | ||
| Weekly review and robo advisory | ||
| Daily Top stock picks and Stock Tips | ||
| Company / Annual report | ||
| Stock recommendation and Research report | ||
| Trading institution | (Fine School) | |
| PMS or PCG | ||
| Intraday service | ||
| Share Pledging | ||
| DEMAT service and Trading service | ||
| NRI Service | ||
| 3 in 1 Account | ||
FEATURES OF 5PAISA AND PAYTM MONEY
5paisa’s trading platforms include 5paisa Trade Station (web, mobile app, and EXE). Paytm
Money provides Paytm Money mobile app and Paytm Money internet trading software.The
table below shows features of both the platform.
| Features | 5Paisa | Paytm Money |
| Charts | ||
| Automated Trading | ||
| 3 in 1 Account | ||
| SMS Alerts | ||
| Margin Against Shares (Equity Cash) | ||
| Margin Against Shares (Equity F&O) | ||
| Online Portfolio | 5paisa Trade Station (Web, Mobile App and EXE) | Paytm Money mobile app, Paytm Money website |
| Online Demo | ||
| Trading In SME Shares Allowed? | NA | NA |
| Intraday Square-off Time | Optimum Plan: 3:10 PM, Platinum Plan: 3:20 PM | 3:15 PM |
| Global indices | ||
| Real time update | ||
| Stock tips | ||
| Multi Profile Management | ||
| Online MF Buy | ||
| Interactive charts | ||
5PAISA VS PAYTM MONEY DEMAT ACCOUNT AND AMC CHARGES
For Registering a 5paisa trading account the costs is Rs 0 (free), however registering a
Paytm Money account costs Rs 200. The AMC charges for 5paisa Demat Account are Rs
300, while Paytm Money Demat Account AMC charges are Rs 0 (free). Below the table
shows Demat and Trading Account Charges.
| Type | 5Paisa | Paytm Money |
| Demat Account Opening Charges | Rs 0 ( free ) | Rs 0 (Free) |
| Demat Account AMC Charges | Rs 300 | Rs 0 (Free) |
| Trading Account Opening Charges | Rs 0 (Free) | Rs 200 |
| Trading Account AMC Charges | Rs 0 (Free) | Rs 300 (Annual Platform Fees) |
COMPARISON OF 5PAISA VS PAYTM MONEY BROKERAGE CHARGES
5paisa provides flat brokerage fees, competitive pricing for stocks and derivatives, and free
brokerage on mutual funds. With an emphasis on affordability for regular investors, Paytm
Money offers low-cost brokerage with no delivery fees and competitive rates for intraday and
F&O trades.Below the table shows brokerage plan of both the platform.
| Brokerage charges | 5Paisa | Paytm money |
| Account Type | Regular Account | Standard Plan |
| 1) Equity Delivery | Rs.20 per Trade | Rs.15 per Trade & 2.5% (whichever is lower) |
| 2) Equity Intraday | Rs.20 per Trade | Rs.15 per Trade or 0.05% (whichever is Lower) |
| 3) Equity Option | Rs.20 per Trade | Rs.15 per Trade |
| 4) Equity Future | Rs.20 per Trade | Rs.15 per Trade or 0.02% (whichever is lower). |
| 5) Currency Option | Rs.20 per Trade | NA |
| 6) Currency Future | Rs.20 per Trade | NA |
| 7) Commodity options | Rs.20 per Trade | NA |
| 8) Commodity Future | Rs.20 per Trade | NA |
5PAISA VS PAYTM MONEY BROKERAGE PLAN 2
| Brokerage plan | 5Paisa | Paytm Money |
| Account type | Power invester pack | Standard plan |
| 1) Equity Delivery | Rs 10 per plan order | Rs 20 per executed order or 2.5% whichever is lower |
| 2) Equity Intraday | Rs 10 per executed order | Rs 20 per executed order or 0.05% whichever is lower |
| 3) Equity Option | Rs 10 per executed order | Rs 20 per executed order |
| 4) Equity Future | Rs 10 per executed order | Rs 20 per executed order or 0.01% whichever is lower |
| 5) Currency option | Rs 10 per executed order | NA |
| 6) Currency Future | Rs 10 per executed order | NA |
| 7) Commodity options | Rs 10 per executed order | NA |
| 8) Commodity Future | Rs 10 per executed order | NA |
| 9) Fixed charge | Rs 599 per month | NA ( not available ) |
5PAISA VS PAYTM MONEY LEVERAGE MARGIN
The 5paisa margin for intraday trading is up to 20% of the trade value (5x leverage)
depending on the stock, while the Paytm Money margin for intraday cash is likewise up to
20% of the trade value (5x leverage)
| Money Leverage | 5Paisa | Paytm Money |
| Equity Intraday | Up to 20% of Trade Value (5x leverage) | Up to 20% of Trade Value (5x leverage) |
| Equity Delivery | 100% of Trade Value (1x Leverage) | 100% of Trade Value (1x Leverage) |
| F & O ( Equity, currency, commodity) | 100% of NRML Margin (Span + Exposure) (1x Leverage) | 100% of NRML Margin (Span + Exposure) (1x Leverage) |
5PAISA VS PAYTM MONEY PROS AND CONS
Pros:
| 5PAISA | PAYTM MONEY |
| 1)Trading terminals and the 5paisa smartphone app are examples of free trading software. 2)Direct mutual funds without brokerage fees. 3) Brokerage with a flat fee. Only pay Rs. 20 for each completed order. Concerns regarding the trade’s size are over | 1)A direct mutual fund platform that increases your returns by 1%. 2)No Upkeep Fees And instantaneous establishment of a digital account. 3)Investments in mutual funds that are free of hidden fees. 4)A direct mutual fund platform that increases your returns by 1%. Investments in mutual funds that have no additional fees. A direct mutual fund platform that increases your returns by 1%. 5)Straightforward and uncomplicated trading systems. 6) Offers to invest in stocks, derivatives, mutual funds, NPS, and digital gold. |
Cons:
| 5Paisa | Paytm Money |
| 1)In addition to the commission, Call & Trade costs Rs 100 each call. In a single call, any number of deals may be made. 2)Research and advisory is available at extra cost. 3)Exchange turnover fees are higher than those of other well-known bargain stock brokers. 4)NRI Trading and Demat Account is not available. | 1)Fee for trading platforms: Rs. 30 per month and No facility for margin trading. 2)There is no branch support provided and Order type for GTC is not available. 3)Trading in commodities and currencies is not possible. 4) No margin facility |
Review of 5PAISA VS PAYTM MONEY TRADING PLATFORM
5paisa is rated 3 of 5 based on 95 customer reviews whereas Paytm Money is rated 3.3 of
5 based on 50 customer reviews.
| Rating | 5Paisa | Paytm Money |
| Customer Service | ⭐⭐⭐ | ⭐⭐⭐ |
| Fees | ⭐⭐ | ⭐⭐ |
| Brokerage | ⭐⭐⭐ | ⭐⭐⭐ |
| Trading Platform | ⭐⭐ | ⭐⭐⭐ |
| Research Capabilities | ⭐⭐⭐ | ⭐⭐ |
| Overall Ratings | ⭐⭐⭐ | ⭐⭐ |
COMPLAINTS COMPARISON OF 5PAISA VS PAYTM MONEY
The table below shows Total Complaints Lodged, Resolved and their percentage.
| Complaints | 5Paisa | Paytm Money |
| Total complaints lodged | 175 | 193 |
| Total complaints resolved | 145 | 170 |
| % of complaints resolved | 80.40% | 80.30% |
| NON actionable complaints | 20% | 16 % |
| % of non actionable complaints | 16 % | 9.38% |
Conclusion: For traders and investors, 5paisa and Paytm Money both provide
competitive services. For active traders, 5paisa is the best alternative because it offers a
wide selection of investment possibilities, sophisticated research tools, and affordable
brokerage costs. Paytm Money is a cost-effective option that appeals to convenience
seekers and novice investors alike because of its user-friendly design and smooth
integration with Paytm’s ecosystem. In the end, Paytm Money is ideal for novices and those
who value simplicity and convenience of use in their investing journey, whereas 5paisa is
more appropriate for seasoned traders who need extensive tools.
Customers support
5PAISA:- +918976689766
Email ID:- support@5paisa.com
PAYTM MONEY :- 0120-3888388 / 0120-3925699
Email ID :- priority.kyc@paytmmoney.com
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