Paytm Money vs HDFC Securities Reviews 2025 | Which One Is Better
|Paytm Money vs HDFC Securities
Paytm Money , founded in 2017 , is a discount broker. It offers trading on the NSE and BSE. It has one branch across India. Full Service Broker HDFC Securities was founded in 2000. It provides trading on the The, Multi Commodity Exchange, NSE (national stock exchange) ,and BSE ( Bombay stock exchange) .There are 270 of its branches in India
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 Money brand. Paytm is an Indian e-commerce payment system
approved by the RBI. Paytm Money is a SEBI registered stockbroker and investment
advisor.
HDFC Securities

HDFC Securities, one of India’s top full-service stock brokers, was founded in 2000. One of HDFC Bank’s subsidiaries is HDFC Securities. The firm facilitates trading and investing in stocks, bonds, futures, options, buybacks, mutual funds, initial public offerings (IPOs), commodities, currency derivatives, stock portfolios, and more for its clientele. A registered broker with SEBI, HDFC Securities is also affiliated with the BSE,
NSE, MCX, CDSL, and NSDL.
HDFC Securities serves more than 1,800,000 + clients in a variety of industries and offers
more than 30 Also its provides service through Over 270 branches of the organisation which
are located throughout India. The lowest broking fees are charged by HDFC Securities,
which costs Rs 20 per transaction for trading in derivatives and 0.10% per deal for equity
delivery. A 3-in-1 account that combines a savings bank, trading, and a Demat account is
provided by HDFC Securities.
Paytm Money | HDFC Securities | |
Establishment Year | 2017 | 2000 |
Founder | Vijay Shekhar Sharma | Dhiraj Relli |
Exchange of Membership | NSE, BSE | BSE & NSE. |
Broker Type | Discount Broker | Full Service Broker |
Branches | 1 | 270 |
Paytm Money vs HDFC Securities Charges
Charges | Paytm Money | HDFC Securities |
Trade and Call Charge | (₹50 + 18% GST) per order. | Additional Rs 20 per executed order |
Minimum Brokerage Charges | NA | Rs. 25 Per Order on Equity Segment |
Paytm Money vs HDFC Securities Offers
Offers | Paytm Money | HDFC Securities |
Free AMC | ||
Free Brokerage | ||
Free Account Opening Charge | ||
Flat Brokerage Charges | , | |
Flexible Brokerage Charges | ||
Free Intraday Charges | ||
Delivery Charges | ||
Margin Funding and Pledging | ||
Refferal Offers | Rs. 200 Per Client | |
Zero brokerage for Loss Making Trade | ||
Brokerage Cashback | ||
Free Trading Calls | ||
Free Research Report | ||
Paytm Money vs HDFC Securities Product Provided
Type | Paytm Money | HDFC Securities |
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. Bonds | ||
Corporate Bonds | ||
Paytm Money vs HDFC Securities Advisory Services Provided
Type | Paytm Money | HDFC Securities |
IPO Service | ||
Weekly and Monthly Review | ||
Daily Stock Picks and Stock Tips | ||
PMS or PCG | ||
Trading Institution | ||
Demat and Trading Service | ||
Intraday Service | ||
Share Pledging | ||
NRI Service | ||
3 In 1 Account | ||
Company and Annual Report | ||
Stock Recommendation and Research report | ||
Features Of Paytm Money vs HDFC Securities
Features | Paytm Money | HDFC Securities |
Chart | ||
Automated Trading | ||
3 in 1 Account | ||
Sms Alerts | ||
Margin Against Shares (Equity Cash) | ||
Margin Against Shares (Equity F&O) | ||
Online Portfolio | ||
Online Demo | ||
Intraday Square-Off Time | 3.15pm | 3:50 PM |
Global Indices | ||
Real Time Update | ||
Stock Tips | ||
Multi Profile Management | ||
Interactive Charts | ||
Customised Recommendation | ||
Online MF Buy | ||
Paytm Money vs HDFC Securities Demat And AMC Charges
Paytm Money has Rs.0 annual maintenance cost (AMC) for trading accounts Many investors favour it because of its competitive cost, user-friendly layout, and excellent customer service . The opening Charge for an HDFC Securities account requires Rs 999. The AMC charges Rs 750 for HDFC Securities Demat Accounts. Below the table shows Demat account charges of both the platform.
Charges | Paytm Money | HDFC Securities |
Demat Account Opening Charges | Rs.0 (Free) | Rs 199 |
Demat Account AMC Charges | Rs. 300 (from 2nd year) | Rs. 750 |
Trading Account Opening Charges | Rs. 0 (Free) | Rs. 900 |
Trading Account AMC Charges | Rs. 0 (Free) | Rs. 0 (Free) |
Paytm Money vs HDFC Securities Brokerage Charges
Paytm Money offers low-cost brokerage with no delivery fees and competitive rates for intraday and F&O trades. whereas HDFC Securities charges 0.32% for equity broking and 0.032% for intraday trading. Special Offer: Invest in Equity Delivery and Direct Mutual Funds without paying any broking fees. Intra-day and F&O trades are charged a flat rate of Rs 20.Below the table shows brokerage charges of both the platforms.
Brokerage Charges | Paytm Money | HDFC Securities |
Brokerage Plan | Flat Brokerage | Starter Pack – Lite 199 |
Equity Delivery | Rs.15 per Trade & 2.5% (whichever is lower) | 0.32% of Transaction Value |
Equity Intraday | Rs.15 per Trade or 0.05% (whichever is Lower) | 0.032% of Transaction Value |
Equity Option | Rs.15 per Trade | Rs. 20 per Trade |
Equity Future | Rs.15 per Trade or 0.02% (whichever is lower). | Rs.20 per Trade |
Currency Option | NA | Rs.25 per Lot |
Currency Future | NA | 0.025% of Transaction Value |
Commodity Option | NA | Rs.20 per Lot |
Commodity Future | NA | 0.025% of Transaction Value |
Paytm Money vs HDFC Securities Leverage (Margin)
the Paytm Money offers up to 20% of the trade value (5x leverage) for intraday cash transactions, whereas One margin for intraday trading allows up to 20% of the trade value (5x leverage) depending on the stock whereas HDFC Securities’ margin for intraday cash is likewise up to 20% of the trade value (5x leverage). Below the table shows leverage margin of both platform.
Leverage | Paytm Money | HDFC Securities |
Equity Delivery | Up to 20% of Trade Value (5x leverage) | 100% of trade value (1x leverage) |
Equity Intraday | 100% of Trade Value (1x Leverage) | Up to 20% of trade value (5x leverage) |
F&O (Currency, Equity, Commodity) | 100% of NRML Margin (Span + Exposure) (1x Leverage) | 100% of NRML margin (Span + Exposure) (1x leverage) |
Paytm Money vs HDFC Securities Pros And Cons
Pros:
Paytm Money | HDFC Securities |
1)A direct mutual fund platformthat increases your returns by1%. 2)No Upkeep Fees Andinstantaneous establishment of a digital account. 3)Investments in mutual fundsthat are free of hidden fees. 4)A direct mutual fund platformthat increases your returns by1%. Investments in mutual funds that have no additional fees. A direct mutual fund platform that increases your returns by 1%. 5)Straightforward anduncomplicated trading systems.6) Offers to invest in stocks,derivatives, mutual funds, NPS,and digital gold. | 1)It offers the simplest method formaking stock market and otherfinancial instrument investments. 2) The greatest option available toIndian retail investors is the 3-in-1account, which consists of an HDFCBank Account, an HDFC SecuritiesTrading Account, and an HDFCSecurities Demat Account. |
Cons:
Paytm Money | HDFC Securities |
1)Fee for trading platforms: Rs.30 per month and No facility formargin trading. 2)There is no branch supportprovided and Order type for GTC is not available. 3)Trading in commodities andcurrencies is not possible. 4) No margin facility | 1)Together with opening a tradingaccount with HDFC Securities Ltd,you will also need to open a DP(depository participant) account withHDFC Bank and a savings bankaccount with a minimum quarterlyamount of Rs 5000. 2) It Charges minimum brokerage ofRs 25 also very high brokeragecharges. |
Complaints Of Paytm Money vs HDFC Securities
Data from 2024 reveals that Paytm Money had more customer complaints than HDFC Securities when comparing the two companies. In particular, Paytm Money received 193 complaints and resolved 170 whereas HDFC Securities received 130 complaints and resolved 105. This shows that HDFC Securities performs better in terms of customer service than Paytm Money . as seen by the fact that it has a higher complaint resolution rate and fewer complaints overall.
Complaints | Paytm Money | HDFC Securities |
Total Complaints Lodged | 193 | 130 |
Total Complaints Resolved | 170 | 105 |
% Of Total Complaints Resolved | 80.30% | 80.50% |
Non Actionable Complaints | 27 | 8 |
% Of Non Actionable Complaints | 9.38% | 6.30% |
Paytm Money vs HDFC Securities Transactions Charges
Below the table shows Equity Intraday, Equity Delivery, Equity Option , Future and
Commodity options/ Future and Currency Option/Future Transaction charges of both the
platform.
Transaction Charges | Paytm Money | HDFC Securities |
Equity Delivery | NSE Rs 345 per Cr (0.00345%) | BSE Rs 375 per Cr (0.00375%) (sell side) | 0.00350% (NSE) & 0.00375% (BSE) |
Equity Intraday | NSE Rs 345 per Cr (0.00345%) | BSE Rs 375 per Cr (0.00375%) (each side) | 0.00350% (NSE) & 0.00375% (BSE) |
Equity Option | NSE Rs 5300 per Cr (0.053%) (on premium) | 0.053% (on premium) |
Equity Future | BSE Rs 200 per Cr (0.002%) | 0.0019% (NSE & BSE). |
Currency Option | NA | 0.035% (NSE) & 0.001% (BSE) |
Currency Future | NA | 0.0009% (NSE) & 0.00022% (BSE) |
Commodity Option | NA | 0.05% (Non Agri) |
Commodity Future | NA | 0.0021% (Non-Agri) / 0.006% (Agri) / 0.0005% (Special) |
Review Comparison Of Dhan vs HDFC Securities By Customer
Paytm Money is rated 6 of 10 , whereas HDFC Securities is rated 7.5 of 10
Rating | Paytm Money | HDFC Securities |
Brokerage | 8/10 | 7/10 |
Customers Service | 5.5/10 | 7.5/10 |
Fees | 8/10 | 6/10 |
Trading Platform | 7.5/10 | 8/10 |
Research | 610 | 7.510 |
Broker Rating | 7/10 | 7/10 |
Overall Rating | 6/10 | 7.5/10 |
Conclusion: . Paytm Money is praised for its low-cost architecture, intuitive user interface, and cutting-edge technologies like the Paytm Money platform. It is especially appealing to traders who are tech-savvy yet cost-conscious. Though both sites are trustworthy and regulated, the decision comes down to personal preferences: Paytm Money offers affordable costs and cutting-edge technology. HDFC Securities are India’s major broking houses, providing comprehensive trading and investment services. HDFC Securities provides affordable broking rates, a dynamic trading platform, and robust research help. HDFC Securities is a better option for cost-conscious traders looking for efficient services. Finally, the decision is based on personal objectives such as cost, service quality, and platform usability.
Customer Care Number/Email
Paytm Money :- 0120-3888388 / 0120-3925699
HDFC Securities : +91 2239019400
Client can contact this number for clearing your doubt.
Kotak Securities Support Email: service.securities@kotak.com
Paytm Money Email ID :- priority.kyc@paytmmoney.com
Client can contact on this email for clearing your doubt.