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Opening a Demat account is 100% online. Enter your mobile number, complete Aadhaar-based eKYC, upload documents, and your account is ready in minutes. No paperwork, no branch visit required.
Account opening is completely FREE. Zero account opening charges, zero AMC for the first year. From second year, AMC is ₹300 + GST which is waived if you maintain minimum trading activity.
You need: 1) PAN Card 2) Aadhaar Card (linked to mobile) 3) Bank account details with cancelled cheque/passbook 4) Passport size photo. For NRIs, additional documents like passport and overseas address proof are required.
With Aadhaar-based eKYC, accounts are typically activated within 24 hours. Many customers start trading on the same day. You will receive SMS and email confirmation once your account is active.
Yes, you can open a Demat account for minors (below 18 years). The account is operated by the guardian until the child turns 18. Submit minor's birth certificate and guardian's KYC documents.
Yes, joint Demat accounts are allowed with up to 3 holders. All holders need to complete KYC. The first holder is the primary holder for all transactions.
Login to your account → Search for the stock → Click Buy → Enter quantity and price → Select order type (Market/Limit) → Confirm order. Your order is placed instantly on NSE/BSE.
Regular trading: 9:15 AM to 3:30 PM (Monday to Friday). Pre-open session: 9:00 AM to 9:15 AM. Markets are closed on weekends and stock exchange holidays.
Intraday: Buy and sell on the same day, positions auto-squared off at 3:15 PM, get up to 5x margin. Delivery: Hold shares in your Demat, no time limit, no leverage, suitable for long-term investing.
Market Order (execute at current price), Limit Order (execute at specified price), Stop Loss (trigger order at set price), GTT (Good Till Triggered - long-term conditional orders), AMO (After Market Order).
Go to Portfolio/Holdings → Select the stock → Click Sell → Enter quantity and price → Confirm. For delivery shares, ensure shares are in your Demat before selling. Sale proceeds are credited T+1.
T+1 means trades are settled on the next trading day. If you buy shares on Monday, they're credited to your Demat on Tuesday. If you sell, funds are available on Tuesday. India moved to T+1 from January 2023.
Margin trading lets you buy stocks by paying only a portion (margin) of the total value. SBI Securities offers up to 4x margin on select stocks. Interest is charged on the borrowed amount. Higher risk, use carefully.
Intraday positions are auto-squared off at 3:15 PM. If you want to convert to delivery, do it before 3:15 PM. Ensure sufficient funds for delivery conversion.
Delivery: 0.25% or ₹20 per order (whichever is lower). Intraday: ₹20 flat per order. F&O: ₹20 per order. No hidden charges. All taxes (STT, GST, stamp duty) are additional as per government rules.
DP charges: ₹13.5 + GST per scrip per day for sell transactions. This is charged by the depository (CDSL/NSDL) and is applicable to all brokers in India.
First year AMC is FREE. From second year, AMC is ₹300 + GST per year. This is waived if you have trading activity or maintain minimum holdings.
Adding funds via UPI, Net Banking, or NEFT is FREE. Instant fund transfer available through UPI. Bank transfer reflects within 30 minutes during banking hours.
STT (Securities Transaction Tax) is a government tax. Delivery: 0.1% on buy+sell. Intraday: 0.025% on sell side only. Options: 0.0625% on sell premium. Futures: 0.0125% on sell side.
Login → Go to Mutual Funds → Select fund → Choose SIP or Lumpsum → Enter amount → Complete payment via UPI/Net Banking. No separate account needed, use your existing SBI Securities account.
Most funds allow SIP starting at ₹500 per month. Some funds like Parag Parikh Flexi Cap require ₹1000 minimum. You can start multiple SIPs with different amounts.
Yes, you can select any date from 1st to 28th of the month for your SIP. If the date falls on a holiday, SIP is processed on the next business day.
Go to Mutual Funds → My SIPs → Select the SIP → Click Stop/Pause. SIP can be stopped anytime without any penalty. Existing units remain invested.
Direct funds have lower expense ratio (0.5-1% less) as there's no distributor commission. Over long term, Direct funds give 1-2% higher returns. SBI Securities offers both.
Go to Mutual Funds → My Investments → Select fund → Click Redeem → Enter units/amount → Confirm. Redemption proceeds are credited in 1-3 business days depending on fund type.
ELSS (tax saving) funds have 3-year lock-in period. This is the shortest among all 80C investments. After 3 years, you can hold or redeem. Each SIP installment has its own 3-year lock-in.
Login → Go to IPO → Select the IPO → Enter bid quantity and price → Select UPI ID → Submit. Approve the mandate in your UPI app within 24 hours. Amount is blocked (not debited) until allotment.
For retail (up to ₹2 lakh), if oversubscribed, it's a lottery - each application has equal chance regardless of amount. For HNI category, allotment is proportional to application size.
With UPI-based applications, amount is only blocked, not debited. If not allotted, the block is released within 1-2 days after allotment. No actual refund process needed.
GMP is the unofficial premium at which IPO shares trade in grey market before listing. It indicates expected listing gains but is not guaranteed. Don't rely solely on GMP for investment decisions.
Lot size is the minimum number of shares you must apply for. Each IPO has different lot size (e.g., 50, 100 shares). Retail investors can apply for 1 lot to maximum of ₹2 lakh value.
Yes! NRIs can invest in stocks, mutual funds, IPOs, and bonds. You need an NRE/NRO linked trading account and PIS (Portfolio Investment Scheme) permission from your bank.
Valid passport, overseas address proof, PAN card, NRE/NRO bank account statement, PIS permission letter from bank, and passport-size photograph. All documents can be submitted digitally.
NRE account investments are fully repatriable. NRO account investments have limited repatriation (up to $1 million per year). Capital gains tax applies before repatriation.
Short-term capital gains: 20% (equity held <1 year). Long-term gains: 12.5% above ₹1.25 lakh (equity held >1 year). TDS is deducted at source. DTAA benefits may apply based on your country. (Rates updated as per July 2024 Union Budget.)
Click "Forgot Password" on login page → Enter registered mobile/email → Receive OTP → Set new password. For trading password, similar process applies. Contact support if issues persist.
Yes, SBI Securities mobile app is available on iOS and Android. Features include live quotes, trading, portfolio tracking, research, and fund transfer. Download from App Store or Play Store.
Login → Go to Funds → Add Funds → Choose UPI/Net Banking/NEFT → Enter amount → Complete payment. UPI is instant, Net Banking takes 30 minutes, NEFT takes 2-4 hours.
Login → Funds → Withdraw → Enter amount → Confirm. Funds are transferred to your linked bank account within 24 hours. Ensure no pending settlements before withdrawal.
Login → Reports → Contract Notes → Select date range → Download. Contract notes are also emailed to your registered email after each trading day. Keep them for tax filing.
Login → Reports → Tax Reports → Capital Gains Statement → Select financial year → Download. This shows all your realized gains/losses categorized as short-term and long-term.
Equity: Held >12 months = Long-term (12.5% tax above ₹1.25 lakh). Held <12 months = Short-term (20% tax). Debt funds: Taxed at income slab rate (no LTCG benefit post April 2023). Rates as per July 2024 Union Budget.
Yes, dividends are added to your income and taxed at your slab rate. TDS of 10% is deducted if dividend exceeds ₹5,000 in a year. You can claim credit for TDS while filing returns.
Login → Reports → Tax Reports → TDS Certificates. Form 16A is available quarterly. You can also download consolidated annual TDS certificate for ITR filing.
Short-term losses can be set off against short-term or long-term gains. Long-term losses only against long-term gains. Losses can be carried forward for 8 years. Cannot set off against salary/business income.
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