Best Demat App for Long-Term Investing & Mutual Funds in India (2026)

For SIPs, ETFs and a buy-and-hold stock portfolio you want free delivery, low AMC and good portfolio tracking. These apps suit patient, long-term Indian investors.

Our top pick for this is Zerodha — India's most trusted discount broker. Free equity delivery, the polished Kite platform, Console reporting and the free Varsity education library make it the default first account for serious long-term investors.

#NameScoreAccount OpeningDemat AMCDelivery BrokerageIntraday & F&O
1ZerodhaTop pick9.4/10₹0 (free)₹300 / yr (1st yr free)₹0 (free)₹20 or 0.03% (lower)
2Groww9.2/10₹0 (free)₹0 (free)₹0 (free)₹20 or 0.05% (lower)
5Dhan8.5/10₹0 (free)₹0 (free)₹0 (free)₹20 or 0.03% (lower)
7ICICI Direct8.0/10₹0 (free)₹300–700 / yr (plan)0.29% (or ₹20 Neo plan)₹20 (Neo plan)

Best overall

1

Zerodha

India's most trusted discount broker. Free equity delivery, the polished Kite platform, Console reporting and the free Varsity education library make it the default first account for serious long-term investors.

9.4
/ 10
Account Opening
₹0 (free)
Demat AMC
₹300 / yr (1st yr free)
Delivery Brokerage
₹0 (free)
Intraday & F&O
₹20 or 0.03% (lower)
  • Free equity delivery
  • Best-in-class Kite platform & Console
  • Huge, stable, trusted user base
  • Free Varsity learning
  • ₹300/yr AMC from the second year
  • No free call-and-trade advisory
  • Occasional load at market open
Open account Official site
2

Groww

The simplest app for first-time investors, now one of India's largest brokers by active users. Stocks, mutual funds, IPOs and ETFs in one clean interface with zero account opening and zero AMC.

9.2
/ 10
Account Opening
₹0 (free)
Demat AMC
₹0 (free)
Delivery Brokerage
₹0 (free)
Intraday & F&O
₹20 or 0.05% (lower)
  • Free delivery, zero opening & zero AMC
  • Easiest app for beginners
  • Stocks + mutual funds in one place
  • Fast paperless KYC
  • DP charge (~₹20) when you sell shares
  • Fewer advanced trader tools
  • Lighter charting than Kite/Fyers
Open account Official site
5

Dhan

A trader-first platform that has won a loyal following for speed, free delivery and excellent options tools. Zero AMC and free equity delivery make it cheap to hold and great to trade.

8.5
/ 10
Account Opening
₹0 (free)
Demat AMC
₹0 (free)
Delivery Brokerage
₹0 (free)
Intraday & F&O
₹20 or 0.03% (lower)
  • Free equity delivery & zero AMC
  • Superb options/derivatives tools
  • Fast, modern platform
  • TradingView charts
  • Newer brand than Zerodha/Angel
  • Fewer offline support touchpoints
  • Geared to traders over absolute beginners
Open account Official site
7

ICICI Direct

The best-known 3-in-1 account, linking your ICICI bank, demat and trading seamlessly. Pricier than discount brokers, but the integration, research and trust appeal to long-term and first-time investors who bank with ICICI.

8.0
/ 10
Account Opening
₹0 (free)
Demat AMC
₹300–700 / yr (plan)
Delivery Brokerage
0.29% (or ₹20 Neo plan)
Intraday & F&O
₹20 (Neo plan)
  • Seamless 3-in-1 bank + demat + trading
  • Strong research & advisory
  • Trusted full-service brand
  • Good for hands-off investors
  • Default brokerage is high
  • Cheaper rates need a paid plan
  • Heavier app
Open account Official site

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Charges verified June 2026 from each broker's official site; they can change — confirm before opening. Information only, not financial advice.