Things to know about getting a personal license

Therefore today anybody who wishes to own or work in a restaurant where alcoholic drinks are availed by the customers has to have a personal license. The main problem pops up when they take the initial step of license making without a proper guidance. The localized license providers are often too lazy to provide the helpful information to the applicants and more over people can’t just ask anybody to give them free advices. So, interested applicants must have a proper knowledge about the arena, which is acquired only by getting enrolled to a personal license training institute.

A supervised training is required by the applicants to get a personal license from the license providers. The licensing qualification in England and Wales is called as Award of Personal License Holders (APLH). While in Scotland the qualification is known as Scottish Certificate for Personal License Holders (SCPLH). Both the qualifications need the applicants to be trained at least for a day under the guidance of professional trainers. There are thousands of institutes that offer to train the applicants for the APLH and SCPLH examination. They also organize the examination under their strict supervision. After successfully passing the examination, the candidate is said to be qualified for personal license. Personal license training is nothing but a part of the qualification process.

The simplest way to prepare oneself for the licensing examination is to register into a reputed Personal license course online. An online course doesn’t mean that the applicant will be provided with less study materials and knowledge; in fact the applicant will not only get all the needed study guides but will also get the privilege of personalized class. They can study at any hour of the day without getting distracted by the outside influences. Even the facility of analyzing the preparation by the help of mock tests is also provided. Mock tests are great means of uplifting the confidence before the actual examination. It also allows the applicants to understand their strengths and weaknesses so that they can focus on both the areas in a more proportionate way. In the actual examination the applicants are asked to answer 40 MCQ questions most of which are from the study materials that are provided in the popular online courses. The mock test usually introduces the applicants with the exam environment and the question patters.

To enroll into a personal license course online one needs to register him into the designated website and follow the instructions related to the payment. Once all the formalities are done the applicant can start his/her exam preparation with the study materials and the essential notes that are being provided in the website. When he/she is confident enough to take the test then he/she needs to book a day of examination. After appearing the exam he/she will need to wait for the declaration of the result.

The personal license for selling alcohol has the validity of ten years. If the owner of the license wants to renew the license along with the authority, then the license holder needs to produce the original license no matter where the owner lives in the present situation.

In case an applicant wishes to apply for a fresh license then it needs to be accredited by the Secretary of the State. The main aim of this provision is the fact that it ensures the license holder is completely aware of the licensing law and the greater responsibilities as a member of the society he is living in when it comes to the selling of alcohol.

There is a probability of the fact that a new applicant cannot attend personal Licence course for the APLH examination, then there are courses can be taken care of in the comfort of the resident’s home itself. The companies also take care of the applicant’s criminal record check and the application fees can be lessened or can get a rebate of quite an attractive percentage when one books for the personal Licence course. All one needs to do is to book for the personal alcohol licence course online using the APLH course application form on the webpage and on checkout can access a discount of up to 10 pounds.

Upstox vs Zerodha vs 5paisa: Head to Head Comparison

Upstox, Zerodha, and 5paisa are the top ones in India when it comes to discount brokers. Additionally, all three of them charge a flat brokerage on the intraday trading. Products and services offered by them are almost similar. Let’s first know each of the stockbrokers in brief detail.

Upstox has over 12.20 lakh clients in India according to data compiled by NSE. Moreover, it is one of the best stock brokers that has many amazing deals. It is suitable for all types of investors and traders. It helps investors for trading at a very low-cost commission. Additionally, it was started in the year 2011 and it is this successful in just a small period.

Zerodha is India’s top no.1 stockbroker that has 24.70 lakh clients according to data by NSE. It was started in the year 2010 and like Upstox is suitable for all types of investors and traders. Moreover, it is the leading stockbroker with low commissions. It is known for its margin rates, customer care support, commissions schedule, and trading platforms.

Zerodha was awarded “the best retail brokerage” in the year 2018 by NSE. Additionally, it provides many services in almost all segments like F&O, Mutual funds, equity, currency, etc. Zerodha mostly focuses on the execution of trades and the platform provided has international standards.

5paisa was founded in the year 2005. Additionally, like its competitors, 5paisa gives a simple trading structure that has a flat fee. 5paisa was awarded ‘Best Digital Startup of the Year’. It offers services and tools to their active traders. These tools and services include a mobile application, desktop, and web-based tools for trading. The advantage of using 5paisa is that they provide educational content like infographics and videos to its customers.

Comparison of Upstox, Zerodha, and 5paisa

Head points




Type of Broker

Discount Broker

Discount Broker

Discount Broker

Account Type

Upstox Basic



Upstox V/s Zerodha V/s 5paisa Charges & AMC

Trading Account Opening Charges

Rs. 249

Rs. 200

Rs. 0

Trading Account AMC

Rs. 0

Rs. 0

Rs. 0

Demat Account Opening Charges

Rs. 0

Rs. 0

Rs. 0

Demat Account AMC

Rs. 300

Rs. 300

Rs. 540

(manner of charging: Rs.45 per traded month)

Upstox V/s Zerodha V/s 5paisa Brokerage charges

Equity Delivery Brokerage

Rs. 0 (Free)

Rs. 0

Rs. 20 per order executed

Equity Intraday Brokerage

Rs.20 per order executed or 0.05% of the order, whichever is lower

0.03% or Rs. 20 per executed order, whichever is low

Rs. 20 per executed order

Equity Futures Brokerage

Rs.20 per order executed or 0.05% of the order, whichever is lower

0.03% or Rs. 20 per executed order, whichever is low

Rs. 20 per executed order

Equity Options Brokerage

Flat Rs.20 per order executed

Flat Rs.20 per order executed

Flat Rs.20 per order executed

Currency Options trading brokerage

Rs. 20 per executed order

0.03% or Rs. 20 per executed order, whichever is low

Rs.20 per order executed or 0.05% of the order, whichever is lower

Commodity futures trading brokerage

Rs.20 per order executed or 0.05% of the order, whichever is lower

0.03% or Rs. 20 per executed order, whichever is low

Rs. 20 per executed order

Commodity options trading brokerage

Rs. 20 per executed order

0.03% or Rs. 20 per executed order, whichever is low

Rs.20 per order executed or 0.05% of the order, whichever is lower

Currency futures trading brokerage

Rs. 20 per executed order

0.03% or Rs. 20 per executed order, whichever is low

Rs. 20 per executed order

Upstox V/s Zerodha V/s 5paisa Trading Platform
All three stockbrokers provide a decent and great trading platform. Moreover, here are the trading platforms of each stockbroker explained in brief.

Zerodha Trading Platforms
Kite 3.0 Trading Platform

Kite 3.0 is web-based trading and investment platform of Zerodha. You can access this on your tablet, mobile, laptop, and desktop with internet access. Moreover, the platform offers advanced charting tools, a sleek interface, and a search option for about 90,000+ stocks. There is zero latency available on F&O contracts across stock exchanges like MCX, NSE, and BSE.

Kite Mobile

Zerodha’s Kite mobile app is the mini version of the Kite 3.0 platform for trading. It has fingerprint and Face ID features for enhanced security. Moreover, the app helps you to trade and monitor live data from NSE, MCX, and BSE. There are different types of indicators available and the app is speedy for use.

5paisa Trading Platforms
5paisa Trader Station Web platform

5paisa “Trader Station Web” is a compatible version that works in Safari, Firefox, and Chrome. Moreover, it provides a view of all of your positions, portfolio, and holdings.

5paisa App (Mobile Trading App)

5paisa is a mobile application that consists of Robo and research advisory. Moreover, it helps to purchase stocks, currency F&O, mutual funds, and much more.

5paisa Trader Station EXE

5paisa Trader station EXE is a trading platform that can be used on the desktop for advanced traders. Moreover, many amazing and advanced trading tools show accurate data that is happening in real-time. Additionally, there are advanced charts that are used for intraday, and past prices of stock are provided for comparison.

Upstox Trading Platforms
Upstox Pro Web

As the name suggests Upstox pro web is a trading platform for in-depth analysis and understanding of the market. Additionally, it has a drag and drop facility with many advanced features. Advanced features like technical indicators and charts for technical analysis, Algo trading, and API integration.

Upstox Pro Mobile App

The mobile application is compatible with iOS and Android. It has many advanced tools for tracking and monitoring the markets.

Upstox NEST Trader Desktop

NEST trader is a .exe trading platform that is downloadable and for professional traders. It is easily customizable and can operate in multi-monitor mode.

All three stockbrokers have their unique benefits. 5paisa is great for someone who wants to learn and know more about markets. Upstox is for those who want a fast, safe and stable trading platform. Lastly, Zerodha is the most trusted of them all and provides the best customer support.

Spot Trading Vs Futures Trading: What’s the Difference?

Spot trading is based on on-the-spot price and decision making. It happens on the current market price of a currency or digital asset available to be bought/sold for immediate settlement. In a nutshell, the evaluation of the asset takes place on the current price, i.e., no past or future speculation involved. In spot trading, the ownership of the asset is transferred to the buyer from the seller immediately as per the contract terms.

Risk Factor: Spot trading is what-you-see-what-you-get kind of trading choices. Hence, there is no risk as the buyer and seller are informed of the outcomes.

The above image from PCEX Member (Panaesha Capital Traders) narrates the spot price of BCH (Bitcoin Cash), DASH (Dash), BTC(Bitcoin), ETH (Ethereum), LTC (Litecoin), XMR (Monero), and other top performing cryptocurrencies (in the INR, USD, USDT, and C2USD market). PCEX Member is a user-friendly, comprehensive, and secure cryptocurrency trading platform in India.

If a buyer wants to purchase a few BCH, he or she has to spend an equivalent value of fiat or regular currency. At the time of taking the above snap, the seller has quoted the best bid price for BCH as INR 38,120 and he or she has 1.8 coins to sell out. The best ask price or the highest price quoted by any buyer was INR 38,129. So, the buyer willing to purchase the asset has to pay (38, 129×1.8), i.e., INR 68,632.20.

The highest and lowest spot price of any asset is made available by the exchange platform to help investors with their decision making.

Futures Trading

Futures trading is based on a future price of the digital asset, and the decision to go into such a trading agreement is purely ruled by one’s speculation. The buyer and seller entering into the futures contract have an opposite view regarding the performance of the asset in question and that serves the match-making ground.

Banking on the Futures price on the expiry date, the buyer accepts the contract and deposits token money commonly referred to as margin rate into the exchange to buy a certain lot size of the given asset. This token money is defined by the exchange i.e. Panaesha Capital Exchange. The deposit is accepted in any Fiat currency (any currency that is issued by a government) including USD. The exchange validates the claim to enter a futures contract by examining the account of the prospective buyer.

The spot price has an impact on the futures price and both go in tandem generally. Once the contract is initiated, the token money is locked with the exchange.

The current price of the asset on the date of expiry or termination of the contract defines the profits and losses of the investors – buyer and seller. If it goes beyond the price what was at the time of contract making, the buyer benefits and sellers loses. On the drop of the asset price, the buyer loses and the seller makes the equivalent profit.

Risk Factor: A substantial risk is associated here as neither of the parties involved in the trade knows the future performance of the asset. They are just betting on their views and logic, which may prove right or wrong.

What if the speculation of the buyer of a futures contract proves wrong and he or she incurs a loss beyond the token money submitted? As the asset value of the purchased token size, based on the futures contract price, dips below 75%, the buyer receives an alert from the exchange regarding the same. The exchange asks for the payment to keep the contract active. If the user doesn’t honor the payment request, the contract is squared off, and the buyer gets automatically removed from the contract.

How does PCEX Member or any other asset exchange platform make a profit out of spot or futures trading? It’s obvious that no business or platform can survive without profit. Whether traditional or virtual currency-based exchange – in both the scenarios, the exchange platform charges a commission for the trade from buyer and seller. Normally, the virtual currency exchange platform maintains low commission. Such a low commission rate provides an edge to the digital exchange platform over the traditional ones. New asset owners also pay a fee for listing their assets on the platform. Exchanges also raise funds through IEOs (Initial Exchange Offerings), STOs (Security Token Offerings), and ICOs (Initial Coin Offerings).

How to trade Ethereum with Indian Rupee on Koinbazar?

Koinbazar – India’s most trusted cryptocurrency & bitcoin exchange platform with ultra-secure, professional, comfort and you can easily buy bitcoin, ethereum, and other cryptocurrencies. Trade ETH to INR on koinbazar but before that, you have to complete the below-mentioned steps as follows.

How to register your account:

The below-mentioned steps are to complete your account registration process,

Step 1: Visit the Koinbazar website.

Step 2: Select signup and enroll the details required.

Step 3: Once you complete, click “Create Account”. An activation mail will send it to your registered Email-ID.

Step 4: Open it and click the activation link. And your account is successfully created.

Steps to complete the KYC verification process:

The below-mentioned steps are to complete your KYC verification process,

Step 1: Sign in to your account and select Account —> Profile

Step 2: Under the KYC section you need to complete the following prospects.

i. Choose your required ID proof.

ii. Upload your frontside and backside ID Proof.

iii. Take a selfie of your face for KYC identification.

Step 3: Click Save. And your KYC verification process will be completed shortly.

After the procedures get complete, you can legally deposit your funds by connecting your bank details or from the external wallets to your koinbazar wallet. So, start trading ETH with INR safely with us and enjoy a hassle-free trading experience.

How does Business Incubators Work?

According to the International Business Innovation Association (InBIA), there square measure one,400 business incubators within the U.S. With such a large amount of programs around the country, you’ll be inquisitive about the role of business incubators. What do they provide young entrepreneurs, can} connection one be a strategic move for you? This guide will offer you a summing up of the business apparatus model and teach you the way to inform if a business apparatus is correct for your business.

What Is a Business Incubator?

Business incubators square measure specially designed programs to assist young startups to introduce and grow. they sometimes give workspaces, mentorship, education, and access to investors for startups or sole entrepreneurs. These resources enable corporations and concepts to require form whereas operative at a lower value throughout the first stages of business incubation. Incubators need an associate degree application method to affix and frequently need a commitment for a particular quantity of your time.


Business incubators are around since the Nineteen Fifties. Since then, they need to be evolved into several forms. whereas there square measure many forms of incubators, all of them share the common goal of promoting growth. Here square measure a number of types you’ll notice whereas checking out apparatus programs:

Academic institutions: several business incubators square measure to pass by universities or have tutorial affiliations. Some programs work with university students, whereas others settle for cohorts of young corporations.

Non-profit development corporations: each non-profit and government agencies use incubator company in India to stimulate economic development. These programs could specifically settle for corporations meshed toward public welfare.

For-profit property development ventures: Larger companies develop several incubators for varied functions. These programs could also be associate degree investment chance or some way to fund subsidiaries, develop technology, or notice partnerships.

Venture capital companies: Some risk capital firms establish incubators as associate degree investment chance. These incubators could invest in startups in exchange for equity or provide funding more within the program.

How Long Do Business Incubators typically Take?

The distinction between incubators and accelerators is that incubators generally follow a less rigid schedule and may be tailored to a business’s distinctive wants. These programs square measure like residencies with the additional advantage of instructional programming and mentorship. Consequently, the business incubation method will vary reckoning on your company’s wants. Generally, you’ll keep in associate degree apparatus for as long because it takes you to grow your business to a property level.

Pros of a Business apparatus

There square measure several advantages of a business apparatus for a growing startup. Here’s what you’ll gain by applying:

Save on rent: associate degree apparatus typically offers a coworking house at a coffee value. These programs enable you to save lots of on operative expenses whereas you grow your business.

Learn and grow: the most effective business incubators offer you access to a network of mentors, coaches, and academic programming meshed toward business innovation.

Find funding: associate degree apparatus usually provides you close up contact with venture capitalists World Health Organization might want to fund your concepts. Acceptance into an estimable program will impress investors and function proof of your skills and drive.

There square measure several advantages of coworking areas for startups. they permit you to require advantage of shared resources like utilities, saving on prices. you may even be during a prime location to meld minds and partner with different corporations.

Improve focus: Incubators provide a structured atmosphere that may assist you to immerse yourself in your work. whether or not you’ve got daily workshops or scheduled periods, you’ll establish smart work habits to urge your business off the bottom.

Loan on Aadhaar card – Buddy Loan for All!

Aadhaar is one of the mandatory documents to submit, while applying for a personal loan. Not only does it help in loan approvals but also as a better Proof of Identity. It is an all-purpose card to confirm that you’re the citizen of India. For loan aggregators with 80% approval rate, Aadhaar card is a key proof for sanctioning loans.

Buddy Loan is reputed in the industry, for higher beneficiaries. Personal loan approvals are easy if your documents are set and are handy. For any loan approval, they require minimal documents.

There are flexible loan repayment options on comprehensive tenures at Buddy Loan. It is easier for borrowers to access loans for commercial and personal purposes.

Buddy Loan & Minimal Documentation

All business loans & personal loans need mandatory linking of Aadhaar card & transactional account details. Buddy Loan requires your Aadhaar card and PAN card details for checking your eligibility criteria. It can help you avail loans at competitive interest rates & in other comprehensive financial solutions.

All banks, NBFCs, financial firms require KYC documents and that’s why, Aadhaar card serves as a better proof of identity. In the past 2 year, India’s financial services are easier to avail without middlemen. Thanks to Aadhaar card, it has transformed financial services for people from different walks of life.

Besides opting for a loan, borrowers can apply for a new job opening, play games & make money. Shop online with Buddy Loan’s unique offers. Download the latest app and enjoy the innumerable benefits.

Personal Loan with Aadhaar Card

Aadhaar card can serve as an identity proof for both short term & long-term loans. The borrower can avail large or small amount with Aadhaar as the base identity document. Note that the turnaround time after submitting the loan application is usually less than 15 mins.

The borrower can avail a personal loan for personal or commercial reasons. At Buddy Loan dispenses personal loans at lower interest rates starting at 11.99% pa. It would also depend on lenders. Each lender has different set of rules subject to personal loan approval.

The loan tenure varies between 1 to 5 years. The key benefit of Aadhaar here is, it serves as age proof, identity proof, photo identity proof, and address proof. Availing a quick loan with Aadhaar is now easy.


Check your eligibility criteria and get your credit history report before availing a loan. There are multiple lenders at Buddy Loan to help you find a better fit for any financial shortcoming. There are instant approvals on emergency loans too.

Top 10 Exchanges to Trade Crypto Futures in India

If you are new to crypto futures, here is a quick overview.

Crypto Futures is a trading option, where you can earn an unlimited income by placing just a token money (a fraction of the total asset based on its future price) with the crypto exchange. You speculate the market sentiment at the time of expiry of the futures contract and confirm to the agreement.

To explain it further, “ Suppose A got into a contract with PCEX Member for Bitcoin Futures. He has to select the lot size available on offer. For example, a lot size of 5 BTC is available at an 8% margin. He will buy the Futures Contract and pay 8% of the value of 5 BTC by speculating that by a specific timeline, the prices of BTC will be high. So, if on the expiration day of the contract, the speculations are not right, A tends to lose and someone else who had a negative sentiment about the market wins. The exchange charges a trading fee for streamlining the transaction or encashing on the expiration date.

So, if it comes to the top 10 exchanges to trade crypto futures in India. The rating is based on Web Traffic; Average Liquidity; Volume, Fees, Ease-Of-Use as well as the Confidence that the volume reported by an exchange is legitimate.

PCEX Member
PCEX Member is India’s most user-friendly, comprehensive, and secure trading platform. It handles a transaction volume of USD 2.5 billion every 24 hour. High liquidity, smaller lot size, and lower transaction fees have made it a heaven for inventors – big and small. The exchange allows trading in all popular crypto asset’s contracts, including Bitcoin (BTC), Bitcoin Cash (BCH), Ethereum (ETH), Ethereum (ETC) and Litecoin (LTC). PCEX supports an array of fiat currencies including INR you can buy btc to inr instantly.


Traditional futures trading options
Multiple lot sizes
Lowest Margin rates
Competitive futures products


Transaction Fee: A flat transaction fee of 0.3% for Futures Trading applicable


As of January 2020, Binance is the largest cryptocurrency exchange in the world in terms of the trading volume. Its 24-hour crypto futures trading volume stands around USD38.9 billion. The exchange platform allows trading in around 322 cryptocurrencies, including Bitcoin, Ethereum, and Cardano. It has recently started accepting fiat currencies at the beginning of 2021, and supports 45 fiat currencies including INR.


Lowest transaction fee in the industry


Might be a bit difficult for beginner crypto enthusiasts

Transaction Fee: The maker or buyer fee is 0.02% and taker fee is 0.04%.

Established in March 2018, Bybit is one of the fastest growing crypto futures trading exchanges. It has more than a million registered users. Bybit helps you trade in popular crypto assets including BTC, ETH, XRP, EOS, ETH, LTC, and XTZ.


Investors are paid here, see the fee section.


Not-so-friendly user interface

Transaction Fee: The fee for makers is -0.025% and for takers it’s 0.075% per order.


Established in 2011, Kraken is a US-based cryptocurrency exchange. Its 24-hour crypto futures trading volume stands over USD 622 million. The exchange allows you to trade in 59 cryptocurrencies including Bitcoin, Ripple, Ethereum, Bitcoin Cash, and Litecoin. Kraken’s price information is also available with Bloomberg Terminal. Kraken played a role in attempting to recover funds lost by investors during the 2014-15 Mt. Gox implosion. It doesn’t support payment through INR, but you can use supported fiat currencies including USD, EUR, GBP, CAD, JPY, CHF and AUD.


Low transaction fee


Not-so-good Customer service

Transaction Fee: The trading fee for maker is -0.02% (they are paid to invest), and for maker it’s 0.075%.


Globally, Bitfinex ranks 6th with a trading volume to the tune of USD91.2 million. It supports asset trading in 145 cryptocurrencies. Currently, it doesn’t accept INR as a fiat currency, but you can trade in supported currencies including USD, EUR, GBP and JPY.


Low transaction fee


Not-so-satisfactory customer service

Transaction Fee: Trading fees are between 0% and 0.1% for deposit makers and between 0.2% and 0.055% for takers.


The KuCoin Exchange handles a trading volume to the tune of USD5.8 billion every 24 hour. It supports trading with 254 cryptocurrencies including BTC (Bitcoin), ETH (Ethereum), LTC (Litecoin), XRP (Ripple), KCS (KCS). You can use a credit/debit card (Simplex, Banxa, PayMIR), bank transfer, PayPal, or SEPA option to carry out transactions.


Very simple to use – perfect for beginners
Anonymous trading

Liquidity issues with smaller coins

Transaction Fee: The exchange has a diversified fee portfolio with 13 levels (LV0 to LV12) based on the trade volume. For below USD100 (LV0), it’s 0.02% for makers and 0.06% for takers. For USD≥160000, the maker and taker fees are -0.015% and 0.03% respectively.


The worth of the crypto trading volume at OKEx stands at USD7.1 billion every 24 hour. OKEx was launched in 2014 and is headquartered in Malta. Buy and sell BTC, ETH, XRP, OKB and other digital assets with ease. Apart from futures, OKEx provides spot, margin, options, and perpetual swaps, DeFi, lending, and mining services.


BTC Dominance: (68.6%)

High liquidity


Larger lot size that takes time to fill

Transaction Fee: The maker fee is 0.02% and taker fee is 0.05%


The market capitalization of BitMEX stands around USD944.8 billion and it handles nearly USD152 billion trading volume in every 24-hour. BitMEX was founded in 2014 and is headquartered in Seychelles, an island country. It allows investors to trade in Bitcoin, Ethereum, XRP, Bitcoin Cash, Litecoin, EOS, Binance Coin, and other cryptocurrencies.


BTC Dominance: (68.5%)

High liquidity



Transaction Fee: The maker fee is -0.025% and taker fee is 0.075%.


Founded in 2018, Bitget is a leading cryptocurrency derivatives exchange. The company is headquartered in Singapore. The platform has over 1 million registered users worldwide. Its market capitalization stands over USD935 billion, and witnesses approximately USD152 billion volume trading every 24 hour.

Upstox vs Zerodha vs Groww: Compare them!!

Comparing brokers is very important while choosing your stockbroker. Upstox, Zerodha, and Groww are some of those stockbrokers that are always on the top of the list. Moreover, in this article, we have explained each of them in brief with a comparison. But first, you need to know some factors to make your decision better. There are several factors that you need to consider before choosing your stockbroker:

The most important factor for your consideration should be brokerage that is taken by the broker. Moreover, lower the better but never compromise with the quality. The brokerage should be compared as per the similar facilities provided. A proper analysis should be done rather than having an opportunity cost after the wrong decision.

App Interface
The user interface plays an important role in finding the right stockbroker. Additionally, a poor interface can create a lot of problems, and every second matter while trading. You cannot afford to even waste a second in trying to fix technical issues. So select a broker with the best app interface that makes your process faster and easier.

Purpose of investment
You should know the purpose of the investment you need a stockbroker for. Moreover, figure if it is for short-term or intraday, medium-term or long-term investors. Knowing the purpose will make you one step closer to the decision for the choice of the stockbroker.

What is Upstox?
Upstox is a trading platform that is offered by the RKSV which is a type of discount broker. It is a very popular platform that offers trading services at MCX, BSE, and MSE. Moreover, services like trading on commodity, equity, and currency derivatives. It is built on an Omnysis Nest Order Management system (OMS). Additionally, the customers can have its free app for smooth trading.

It provides low-cost brokering services that provide opportunities at amazing prices. In addition to that the trading account and Equity delivery are free of cost. Upstox is a safe, trusted, and legit broker that is based in Mumbai.

What is Zerodha?
Zerodha is a Broking platform that is the top broker in India. The most attractive part of using Zerodha is its low charges and accurate services. Moreover, it is a financial services company in India that is a member of NSE, MCX, and BSE. Furthermore, it was founded back in the year 2010 and since then it has been a helpful broker. It is a discount broker that provides online trading services to its customers that are of satisfactory levels. Moreover, it uses the best technology to serve its clients.

What is Groww?
Like Upstox and Zerodha, Groww is also an India-based platform for online Investment. In addition to that Groww allows its customers to open an e-account for transacting in stocks and mutual funds. Investing in mutual funds is very safe and easy on Groww. All the personal and sensitive information is encrypted to protect your privacy. Moreover, every transaction by Groww is done via BSE from and to AMC.

Comparison between Upstox, Zerodha, and Groww
Here is a detailed comparison of Upstox vs Zerodha vs Groww that will help you for better decision and analysis.

Head points




Account Opening Charges:

The one-time charge for an Opening trading account and Demat account.

It is Rs. 0 on Groww. (Limited Period Offer of Rs. 200)

Rs. 0

For trades in F&O, Currency and Equity: Rs. 200 and Rs. 300 if any commodity added

Account maintenance Charges (AMC):

Charged to manage your account

Rs. 75 plus GST that is charged quarterly. (Rs. 300 per Year)

Rs. 150 per year plus GST

Equity Delivery:

Rs. 0

Equity Intraday:

0.03% or Rs.20 per executed order, whichever is less

Transaction Charges:

Charged by the stock exchange for trading

0.00325% by NSE and 0.003% by BSE for every order (both buy and sell)

0.00325% by NSE for both buy and sell, BSE charges vary according to the scrip group

It is the same for delivery and intraday.

NSE: 0.00325%

BSE: 0.003%


Charged by the broker in order to execute the order (both buy and sell)

Equity Delivery:

Rs. 0

Equity Intraday: 0.05% of the turnover, (maximum Rs. 20) per order executed.

Equity Delivery:

Rs. 0

Equity Intraday: 0.05% or Rs. 20 per executed order whichever is less

Equity Delivery:

Rs. 0

Equity Intraday:

0.03% or Rs.20 per executed order, whichever is less

Commodities/ Securities Transaction Tax:

It is charged by the government when you transact over the exchange

Equity Delivery:

0.1% of the order amount

Equity Intraday:

0.025% of the order amount


0.1% on buy and sell


0.025% on sell only


0.1% on buy and sell


0.025% on sell only

Payment Gateway Charges:

Charged to deposit money

Rs. 0


Rs. 9 Plus GST

Stamp Duty:

Charged by the government for contract note as stamp duty

Different for each state, the Maximum is 0.018%

0.015% on the buy

0.015% on buy or Rs.1500 per crore on buy

Depository Participant Charges:

Charged by the Depository participants for debiting the stock from Demat account

Buy Order:

No Charges

Sell Order:

Rs. 8 + Rs. 5.50+ GST per ISIN per day on the Groww platform irrespective of the quantity sold.

Delivery: Rs. Rs. 18.5/ scrip per day that is only on sell.


No Charges

Rs. 13.5 + GST per scrip is debited on that day from the trading account when sell take place.


18% whenever applicable

18% (on transaction + demat charges + brokerage)

18% (on transaction charges + brokerage)

Clearing Charges



0.0002% on turnover

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USDA Home Loans South Carolina and Home Loans Austin

This is often because USDA mortgage rates are discounted as compared to rates with other low-downpayment loans.

Beyond that, USDA loans aren’t all that “strange.”

The repayment schedule doesn’t feature a “balloon” or anything non-standard; the closing costs are ordinary; and, prepayment penalties never apply.

The two areas where USDA loans are different is with reference to loan type and downpayment amount.

With a USDA loan, you don’t need to make a downpayment; and you’re required to require a hard and fast rate loan. ARMs aren’t available via the USDA rural loan program.

Rural loans are often employed by first-time buyers and repeat home buyers alike. Homeowner counseling isn’t required to use the USDA program.

USDA Home Loans South Carolina

Buying a home involves lot of designing and tons more investment. To support low income home buyers in their plans to shop for a home, USDA home loans provide 100% financing without down payments and collateral. USDA home equity credit s in South Carolina is that the most affordable home loan program within the state that assists people buy their dream properties in USDA approved rural areas.

The benefits of the USDA home loans in South Carolina are many—the interest rates are low, the closing costs are often rolled within the loan amount and mortgage insurance is extremely low. No other conventional loan program is often compared to those extremely affordable home loans offered by USDA.

Home Loans Austin

Home Loans Austin – the foremost Easy to Qualify Loans in Austin

Situated on the Colorado River, Austin may be flourishing cities in Texas, where USDA home loans have helped many of us transform their home ownership dreams into reality. Austin is that the 11th most populated city in U.S and 4th most populated city in Texas, which shows this is often one among the foremost preferred locations in terms of home buying.

Austin nurtures a flourishing business environment and offers great educational opportunities along side the foremost advanced and modern facilities. This makes the town ideal for people from walks of life. USDA home loans in Austin have made home buying even easier since the qualifying guideline are most flexible and lenient compared to other conventional loan programs.

USDA loans have the foremost lenient and versatile qualifying guidelines which makes the approval process faster and easier. While most of the financial lenders and banks have stringent qualifying policies, USDA allows people with low income and subprime credit have their loans approved.

Not only this, USDA loans are one among the few zero deposit loan options which offers 100% financing and requires very low mortgage insurance. If you’ve got credit scores but 620, there’s no got to worry, USDA will assist you obtain a home equity credit in Austin with help of the compensating factors.

USDA Home Loans Tennessee and Home Loans Texas

How USDA loan programs work

There are three USDA home equity credit programs:

Loan guarantees: The USDA guarantees a mortgage issued by a participating local lender almost like an FHA loan and VA-backed loans — allowing you to urge low mortgage interest rates, even without a deposit. If you set little or no money down, you’ll need to pay a mortgage premium, though.

Direct loans: Issued by the USDA, these mortgages are for low- and really low-income applicants. Income thresholds vary by region. With subsidies, interest rates are often as low as 1%.

Home improvement loans and grants: These loans or outright financial awards permit homeowners to repair or upgrade their homes. Packages also can combine a loan and a grant, providing up to $27,500 in assistance.

USDA Home Loans Tennessee

100% Home financing using USDA Loan for Home Buyers in Tennessee

Many people willing to create their home often lose stay over finding an appropriate home construction loans. Your pursuit for a reasonable home construction loan ends here, since you’ve got access to the simplest loan program. USDA home construction loan in Tennessee provides 100% financing for constructing your home and therefore the interest rates are low. USDA home loans are one among the few zero deposit loans that have helped many families to shop for or build a home of their own.

USDA home loans are dedicated to low to moderate income groups, so limited income will never become a roadblock, to urge qualified for USDA home loans in Tennessee. So if you would like to create your home now, we’ll assist you to urge the simplest home construction loans in Tennessee. Discuss your requirements and we’ll be there to assist you.

Home Loans Texas

USDA Home Loans with 100% Financing in Texas

Looking for opportunities to relocate to Texas? USDA home loans in Texas can fulfil your dreams.

Texas is that the second largest and second most populated state in U.S. referred to as ‘Lone Star State,’ Texas graces the highest spot among the foremost liveable and economically strong states within the U.S.

Due to its dimensions, Texas enjoys diverse landscapes – so if you travel from east right down to west you’ll encounter rolling plains, pine woods, rugged hills, and deserts also. Texas has seen an economic boom within the early 2000 and at the present this state is home to most Fortune 500 companies.

So if you would like to measure during this state and luxuriate in the range, you’re blessed variety of home loans options to shop for or build a home of your own. Get in-tuned with our loan specialists to understand about the foremost affordable and versatile home equity credit in Texas.