5Paisa is one of India’s well-known discount brokers, built around a simple idea—flat brokerage per order. But like every platform, your real cost isn’t just ₹20. It includes AMC, DP charges, taxes, and optional plans.
Here’s a full, practical breakdown based on the latest 2026 structure (including your inputs and added clarity).
What is 5Paisa?
5Paisa is a discount broker offering:
- Stock investing (delivery & intraday)
- Futures & Options (F&O)
- Mutual funds (direct plans)
It stands out because of:
- Flat ₹20 pricing
- Optional subscription plans (lower brokerage)
1. Account Opening & AMC Charges
5Paisa keeps entry simple but charges AMC.
Account Opening:
- ₹0 (Free)
Annual Maintenance Charges (AMC):
Standard Account:
- ₹300 per year
- Charged quarterly → ₹75 every 3 months
BSDA (Basic Services Demat Account):
- Holdings < ₹4 lakh → ₹0 AMC
- Holdings ₹4–₹10 lakh → ~₹100/year
Subscription Plans (Optional):
- Power Investor: ₹599/month
- Ultra Trader: ₹1199/month
👉 Benefit:
- AMC often waived
- Brokerage reduced to ₹10/order
Key Insight (Very Important)
- Without plan → ₹20 flat
- With plan → ₹10 flat
👉 Plans only make sense if you trade frequently.
2. 5Paisa Brokerage Charges (Segment-wise)
5Paisa follows a pure flat-fee model.
(A) Regular Account
| Segment | Brokerage |
| Equity Delivery | ₹20 per order |
| Equity Intraday | ₹20 per order |
| Futures | ₹20 per order |
| Options | ₹20 per order |
| Mutual Funds | ₹0 |
(B) Subscription Plans
| Segment | Brokerage |
| All segments | ₹10 per order |
Important Notes:
- Charged per executed order
- Not based on trade value
- No % brokerage
👉 Example:
- ₹1,000 trade → ₹20
- ₹1,00,000 trade → ₹20
Key Insight
5Paisa is best when:
- You place large trades
- You avoid too many small orders
Small trades feel expensive in % terms.
3. Depository Participant (DP) Charges
DP charges apply when you sell delivery shares.
Standard DP Charges:
- ₹20 + GST per stock (per scrip per day)
Off-Market Transfer:
- 03% of transaction value OR ₹25 (whichever is higher)
Important Points:
- Charged only on sell side
- Not applicable for intraday/F&O
- Per stock, not per quantity
👉 Selling 10 shares or 100 shares = same DP charge
4. Statutory Taxes & Regulatory Charges (2026 Update)
These are fixed across brokers.
(A) STT – Securities Transaction Tax
| Segment | STT |
| Equity Delivery | 0.1% (Buy & Sell) |
| Intraday | 0.025% (Sell only) |
| Futures | 0.05% (Sell only) |
| Options | 0.15% (On premium) |
👉 Major Update (2026):
STT increased in F&O → higher trading cost
(B) Exchange Transaction Charges
- Equity: ~0.00297%
- Futures: ~0.00173%
- Options: ~0.03503%
(C) GST
- 18% on:
- Brokerage
- DP charges
- Transaction charges
(D) SEBI Charges
- ₹10 per crore turnover (0.0001%)
(E) Stamp Duty
| Segment | Stamp Duty |
| Delivery | 0.015% (Buy only) |
| Intraday | 0.003% |
| Futures | 0.002% |
| Options | 0.003% |
5. Other Service Charges
These can affect active traders.
- Call & Trade: ₹20 per order
- Auto Square-off: ₹20 + GST
- Payment Gateway (Net Banking): ₹10
- UPI/IMPS → mostly free
- Physical Statement: ₹50 + courier
- Pledge/Unpledge: ₹20 per ISIN
6. Real Cost Example
Let’s take a delivery trade:
- Buy ₹1,00,000 stock
- Sell later
Charges:
- Brokerage → ₹20 (buy) + ₹20 (sell)
- DP charge → ₹20
- STT → 0.1% both sides
- GST & others → small
👉 Total ≈ ₹80–₹150
Pros of 5Paisa Charges
- Simple flat pricing
- Optional lower brokerage plans
- ₹0 mutual fund commission
- Good for active traders
Cons (Reality Check)
- AMC applies (not free like Groww)
- Subscription plans add cost
- DP charges on every sell
- Higher STT affects F&O traders
Final Verdict
5Paisa is built for active traders who want predictable pricing.
- Long-term investors → decent but not cheapest
- Active traders → good (especially with plans)
- Beginners → simple but must understand total cost
The biggest takeaway: ₹20 brokerage looks small, but taxes + DP charges + AMC define your real profit.