Upstox vs Paytm Money Review 2025 | Which One is Better
Upstox vs Paytm Money
Upstox Founded in 2009, is a discount broker. It supports trading on the NSE and BSE. It has 4 branches in India.while.Paytm Money , founded in 2017 , 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.
Upstox
The Upstox trading platform provides trading, analysis, charting, and avariety of other advanced trading capabilities. This platform makes it simple to placeorders using mobile devices and online browsers. Upstox’s trading platform is basedon Omnisys NEST OMS (Order Management System) and RMS (Risk ManagementSystem). Upstox Pro allows you to trade equity F&O, equity intraday, commodities,and currency derivatives. Upstox Pro is the premium version of Upstox fortraders.Investors such as GVK Davix, Kalaari Capital, and Ratan Tata supportUpstox. UPSTOX established in 2009 ( then known as RKSV)..
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.
| Upstox | Paytm Money | |
| Year of Establishment | 2009 | 2017 |
| Number of Branches | 4 | 1 |
| Exchange | MCX, NCDEX , SENSEX AND NIFTY | NSE, BSE |
| Broker type | Discount Broker | Discount Broker |
| Founder | Ravi Kumar | Vijay Shekhar Sharma |
Upstox Vs Paytm Money Charges
| Upstox | Paytm Money | |
| Trade and Call Charge | (₹50 + 18% GST) per order. | Rs 100 |
| Brokerage Charges | Rs 20 or 2.5% of trade value (whichever is lower) | NA |
Compare Upstox vs Paytm Money Offers
Upstox & Paytm Money Product Provided
Compare Upstox VS Paytm Money Advisory Services
Upstox vs Paytm Money Amc & Demat Accounts Charges
Upstox, renowned for its affordable brokerage fees and intuitive interfaces, provides competitive trading and Demat account services. The Demat account has an annual maintenance fee of ₹0, . Although some customers praise its research and advice services, there are occasionally technical problems with the trading software.
While 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.
Upstox VS Paytm Money Brokerage Charges
Upstox charges no brokerage fees for stock On Delivery , and 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.
Upstox vs Paytm Money Leverage (Margin)
Angel 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.The table below shows the leverage margin of both
platform ( 2024).
Upstox VS Paytm Money Features
Upstox vs Paytm Money Investment Option
- Upstox : For investment angleone offers option like : stock equity, currency, commodity, ipo, mutual fund, bond /ncd and debt .
- Paytm Money : For investment Paytm Money offers: stock equity, currency, commodity, ipo, mutual fund it don’t offer investment in Bond/NCD and debt type .
Upsox vs Paytm Money Pros & Cons
Pros:
| Upstox | Paytm Money |
| 1)Brokerage for all other areas,including equities delivery, is flat at Rs20 per deal. 2)Provide mutual funds directly. Asingle software for commodities,currency, and stock trading. 3)There is no account opening cost.Investment in mutual funds requiresno brokerage. 4)For slabs of Rs 40,000, the MarginTrading Facility (MTF) is offered at aninterest rate of Rs 20 per day. 5)There is a Margin Against Share.Bonds, NCDs, FPOs, and IPOs mayall be done online. 6)Orders that are Good-Till-Triggered(GTT) are accessible. 7)Minimal brokerage charges:Upstox helps traders save moneyon transaction costs by providingcompetitive brokerage prices. | 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. |
Cons:
| Upsotox | Paytm Money |
| 1)Doesn’t give trading strategies thatare infinite and does not providemoney for margin on deliverytransactions. 2)Does not provide recommendationsor stock suggestions. 3)The brokerage cost for equitydelivery is Rs 20 per deal. Equitydelivery trades are offeredbrokerage-free by other brokers, suchas Zerodha. doesn’t give tradingstrategies that are infinite. 4)Not providing a three-in-oneaccount. lacks round-the-clock clientservice. 5)Does not provide Demat and NRITrading accounts and does notprovide BTST not providing digitalgold ,call-and-trade charge of Rs 20 isadded to each executed order. | 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 |
Upstox vs Paytm Money Complaints
Data from 2024 reveals that , Paytm received 193 complaints and resolved 170 whereas Upstox received 289 complaints and resolved 257 . This shows that Paytm Money performs better in terms of customer service than Upstox, as seen by the fact that it has a higher complaint resolution rate and fewer complaints overall.
| Complaints | Upstox | Paytm Money |
| Total Complaints Lodged | 289 | 193 |
| % of Resolved Complaints | 86.30% | 80.30% |
| Total Complaints Resolved | 157 | 170 |
| Non Actionable Complaints | 30 | 27 |
| % of Non Actionable Complaints | 9.37% | 9.38% |
Upstox vs Paytm Money Transaction Charges
Firstly the transaction charges of Paytm Money is Flat fee of ₹ 20 or 0.05% (whichever is less)
for each executed order in Intraday Commodities, Currency, and Equities Trading , also The exchange costs for options on Paytm Money are as follows: NSE Rs 345 per crore (0.00345%) | BSE Rs 375 per crore (0.00375%) (plus premium). UPSTOX is Flat fee of ₹ 20 or 0.05% (whichever is less) for each executed order in Intraday Commodities, Currency, and Equities Trading , also The exchange costs for options on Upstox are as follows:
Upstox VS Paytm Money REVIEW/RATING
| Ratings | Upstox | Paytm Money |
| Customer Service | ⭐⭐⭐ | ⭐⭐⭐ |
| Fees | ⭐⭐⭐ | ⭐⭐⭐⭐ |
| Brokerage | ⭐⭐ | ⭐⭐ |
| Trading Platform | ⭐⭐⭐ | ⭐⭐⭐ |
| Research Capabilities | ⭐⭐⭐ | ⭐⭐ |
| Overall Ratings | ⭐⭐⭐ | ⭐⭐⭐ |
Conclusion: Upstox is well-known for providing both novice and seasoned
traders with a wealth of research tools, individualised advising services, and a robust
offline presence. Conversely, 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, while Upstox offers
extensive assistance.
Customer Care Number/Email
Upstox : 022-41792999
Paytm Money :- 0120-3888388 / 0120-3925699
Client can contact this number for clearing their doubt.
Upstox Support Email :- support@upstox.com
Email ID :- priority.kyc@paytmmoney.com
Client can contact on this email for clearing their doubt.
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