If you’re planning to start investing in India, two platforms will pop up first — Zerodha and Groww.
Both are trusted, SEBI-registered brokers that make investing simple, safe, and low-cost.
But which one is right for you in 2025?
Let’s compare both platforms in terms of charges, ease of use, mutual fund options, and real trade costs, so you can make a smart choice.
💡 Note: Brokerage and AMC charges may change anytime. Always verify the latest rates.
⚙️ Ease of Use
| Feature | Zerodha (Kite App / Web) | Groww (App / Web) |
|---|---|---|
| Interface | Professional and data-rich | Clean and beginner-friendly |
| Learning Support | Zerodha Varsity (advanced learning portal) | Groww Learn (simple guides and blogs) |
| App Rating | ⭐ 4.2 on Play Store | ⭐ 4.6 on Play Store |
| Mutual Fund Access | Via “Coin by Zerodha” | Built directly into the Groww app |
✅ Verdict: Groww offers a more beginner-friendly app experience, while Zerodha provides professional tools for active traders.
💰 Account & Brokerage Charges (Updated for 2025)
All information is sourced only from official Groww and Zerodha websites.
| Charge Type | Groww | Zerodha |
|---|---|---|
| Account Opening | ₹0 | ₹0 (Online account opening is free) |
| AMC (Annual Maintenance) | ₹0 | ₹0 up to ₹4 lakh holdings (BSDA) ₹100/year for ₹4–10L ₹300/year for above ₹10L |
| Equity Delivery Brokerage | 0.1% or ₹20 (whichever is lower, min ₹5) | ₹0 |
| Intraday Brokerage | 0.05% or ₹20 (whichever is lower) | 0.03% or ₹20 (whichever is lower) |
| F&O Brokerage | ₹20/order | ₹20/order |
| Mutual Funds | Direct plans — ₹0 | Direct plans — ₹0 |
✅ Verdict: Both brokers are low-cost, but Groww wins on no AMC and free account setup. Zerodha remains unbeatable for zero brokerage on delivery trades.
📊 Real Example: Buying 50 Shares at ₹1,000 Each
Let’s see what happens when you buy 50 shares worth ₹50,000 on each platform.
| Charges Breakdown | Zerodha (₹) | Groww (₹) |
|---|---|---|
| Brokerage | 0.00 | 20.00 |
| STT (Securities Transaction Tax) | 50.00 | 50.00 |
| Exchange Transaction Charge | 1.54 | 1.49 |
| SEBI Turnover Fee | 0.05 | 0.05 |
| GST | 0.29 | 3.88 |
| Stamp Duty | 8.00 | 7.50 |
| Total Charges | ₹59.88 | ₹82.92 |
👉 Result: Zerodha is slightly cheaper (by about ₹23), mainly because there’s no brokerage on delivery and lower GST impact.
Groww’s difference is minimal, and it offers a simpler user interface — ideal for casual investors.
💹 Mutual Fund Investing Comparison
| Feature | Zerodha Coin | Groww Mutual Funds |
|---|---|---|
| Fund Type | Direct plans only | Direct plans only |
| Commission | ₹0 | ₹0 |
| SIP Option | Available | Available |
| Platform Fees | ₹0 | ₹0 |
| Interface | Separate app (Coin) | Integrated within Groww |
✅ Verdict: Both offer direct mutual funds at zero commission.
Groww is easier to use for new investors, while Zerodha Coin offers better portfolio analytics.
👥 User Base (as of 2025)
| Platform | Active Users | Best For |
|---|---|---|
| Zerodha | 1.3 crore+ | Traders and long-term investors |
| Groww | 80 lakh+ | Beginners and SIP investors |
⚖️ Other Features People Compare
| Feature | Zerodha | Groww |
|---|---|---|
| IPO Application | ✅ | ✅ |
| Margin Facility | ✅ | Limited |
| US Stocks | ❌ | ✅ (via partner) |
| Desktop Platform | Advanced (Kite Web) | Simple |
| Customer Support | Ticket + Email | Chat + Email |
🪜 How to Open a Demat Account (Step-by-Step)
Opening a Demat account is 100% online and takes just a few minutes.
- Visit the official signup page:
- Zerodha Open Account
- Groww Signup
- Enter your mobile number, email, and PAN.
- Complete KYC using your Aadhaar (via DigiLocker).
- Upload your bank proof and signature.
- E-sign using Aadhaar OTP.
- Your Demat + Trading account will activate within 24–48 hours.
✅ No paperwork, no physical documents required.
🧠 Final Verdict: Zerodha vs Groww in 2025
| If You Want… | Choose |
|---|---|
| A simple app for SIPs and beginners | Groww |
| No brokerage on delivery trades | Zerodha |
| Advanced charts and analytics | Zerodha |
| Free account & zero AMC | Groww |
| Mutual funds + stocks in one app | Groww |
👉 Summary:
- Groww is perfect for new investors who prefer a simple app and SIP investing.
- Zerodha is best for those who trade regularly or need advanced tools.
Both are safe, transparent, and SEBI-approved — you can’t go wrong with either.
❓ FAQs Before Opening a Demat Account
1. Is Zerodha better than Groww for beginners?
Groww is easier for beginners. Zerodha is better for advanced users who want more trading features.
2. Are there hidden charges?
No. Both are transparent. Always verify rates on their official pricing pages before investing.
3. Can I have both accounts?
Yes, many investors use Groww for SIPs and Zerodha for stock trading.
4. Is my money safe?
Yes. Both are SEBI-regulated and linked with CDSL/NSDL, ensuring your holdings remain secure.
5. Do I need to maintain a minimum balance?
No. You don’t need to keep any minimum balance in either app.
🏁 Bottom Line
Both Zerodha and Groww make stock market investing simple, transparent, and affordable.
- Choose Groww for simplicity and free AMC.
- Choose Zerodha for zero brokerage on delivery and pro-level trading tools.
Whichever platform you pick, you’re in safe hands with India’s top two brokers — trusted by millions of investors.
Also Read
How to Start Stock Market Investment in India with ₹500
Should You Invest in Stocks or Mutual Funds? 2025 Complete Guide
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