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Demat account for beginners

You must have heard the terms like Demat or dematerialisation several times while reading about the stock markets and capital markets. Let's try and understand the concept of dematerialisation, the definition of a Demat account, its use, and the prerequisites for opening an account.

What is a Demat Account?

· A Demat Account provides the facility of holding shares and securities in an electronic format. The shares are bought and held in a Demat account during the online trading for the users' convenience. It holds all the investments you make in shares, government securities, exchange-traded funds, bonds, and mutual funds in one place.

· In India, the depositories such as National Securities Depositories Ltd (NSDL) and Central Depositories Services Ltd (CDSL) provide depository services which in turn are made available to you through another set of SEBI registered entities called Depository Participant (DP). Thus, it can be said that the depository participants or stockbrokers facilitate the depository services to you and me.

· The Demat account charges may vary for each DP depending upon the volume held in the account, type of subscription, and terms and conditions between the parties.

What is Dematerilisation?

· Till the decade of mid-1990s, Securities and shares were exchanged through the physical exchange of share certificate & securities in paper form.

· In the year 1996, the Depositories Act, 1996 came into force. Post the Depositories Act's enactment, the physical exchange of securities was replaced with the exchange of securities in electronic form. This transformed the securities markets in India.

· Out of many benefits of the dematerialisation, settlement of securities takes place at a tremendously faster speed that is T+2 days (Trading day plus two trading days after that) in some cases. Before dematerialisation, it used to take as long as T+14 days (trading day plus 14 trading days).

· The process of dematerialisation helps in converting the physical share certificates into electronic form. This is a lot easier to maintain, and you can access the shares from anywhere throughout the world 24/7. The purpose of dematerialisation is to eliminate the need for you to hold physical share certificates and facilitate seamless tracking and monitoring of holdings.

· You can start trading online by opening a Demat account with a Depository Participant along with the trading account, which is linked with your bank account.

What is the Benefit of opening an online Demat account?

Lower Risks:

Physical securities may be risky due to thefts, losses, or damages. In addition to that, bad deliveries or fake securities were significant hurdles in trading in securities. These risks are eliminated with the opening of an Online Demat account, which provides you with the option of holding all the investments in electronic form.

Reduced Costs:

Physical certificates involved additional costs such as stamp duty, handling charges, and other such expenses. These extra expenses are eliminated with Online Demat accounts.

Reduced Time:

Due to the elimination of paperwork, the time required in completing a transaction is substantially reduced. The reduced time requirement enables you to make more purchases and sales of security holdings in a shorter time and with greater efficiency.

Ease of use:

Online Demat accounts are simple, fuss-free, and accessible. In today's day and age, they are a valuable tool for financial planning.

Abolition of Odd Lots:

With physical certificates, buying and selling were possible only in the specified quantities. In Pre dematerialisation world, it was not possible to buy and sell odd lots. Online Demat accountseliminate this issue as now even a single share can be traded in the market.

Corporate Benefits & actions:

If the companies offer dividends or bonus shares, these benefits are automatically available to the Demat account holders. Besides, corporate actions like bonus issues, right shares, or stock split are automatically updated in all the shareholders' Online Demat account.

What are the documents required for opening a Demat account?

1) Proof of Identity (POI) (E.g.: Driving license)

2) Proof of Address (POA) (E.g.: Passport)

3) Proof of Income (For trading in derivatives such as F&O) (Eg.: Copy of Income Tax Return Acknowledgement)

4) Proof of Bank Account (E.g.: Cancelled cheque)

5) PAN Card

6) passport size photographs

We have seen the quantum shift in the securities market with the introduction of Demat in terms of efficiency and ease of use, coupled with a trading account linked to your bank account. Armed with this trinity, are you ready to dive into the pool of potential profits in the securities markets?

Disclaimer-

ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate, Mumbai - 400020, India, Tel No : 022 - 2288 2460, 022 - 2288 2470.The contents herein above shall not be considered as an invitation or persuasion to trade or invest.  I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. The contents herein above are solely for informational purpose and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product.

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  • 18 Feb 2021
  • ICICI Securities

Having A Demat Account? Look For These Four Things To Avoid Losses!

Avoiding losses may not be possible in trading, but smart investors take corrective action and minimise their losses. Visit ICICidirect to know more.

  • 17 Feb 2021
  • ICICI Securities

How to Trade Nifty Futures in A Volatile Market

Fluctuating prices & stock market uncertainty can be unsettling for traders. Investing in Nifty futures could offer some advantages at such times. Click here to read more.

  • 17 Feb 2021
  • ICICI Securities

Everything You Need to Know About Demat Account Fees and Charges

Check out the minimum fees you need to pay & the charges for maintaining your demat account at ICICIdirect. Click here to read more about demat account.

  • 17 Feb 2021
  • ICICI Securities

Opening a demat account? Here are all the documents required for the same

Know the type of documents required to open your demat account. Click here to read more about demat account

  • 07 Feb 2021
  • ICICI Securities

Features and benefits of a Demat Account

There are several features & benefits of opening demat account. Click here to read more about demat account.

  • 07 Feb 2021
  • ICICI Securities

All You Need To Know About Section 80CCC

Among the various tax-saving options, most individuals prefer to claim tax deduction under Section 80C of the Income Tax Act, 1961. Click here to know more. 

  • 07 Feb 2021
  • ICICI Securities

Balancing your portfolio: Here's how to do it!

Stay on track with your financial goal, learn to allocate your fund in different asset to minimize your risk. Click here to read more!

  • 07 Feb 2021
  • ICICI Securities

Best demat account for beginners

A quick beginner’s guide to understand demat account and its functionality before you start investing in market. Click here to read more about demat accounts

  • 07 Feb 2021
  • ICICI Securities

Can a student open a demat account?

Anyone who has attained the age of 18 can open the demat account, in case of minor it can be opened by parents or appointed guardians. Visit ICICIdirect to read more.

  • 07 Feb 2021
  • ICICI Securities

Joint Demat and Trading Account Details

Opening the joint trading account is not possible, but you can open joint demat account. Click here to read more.

  • 07 Feb 2021
  • ICICI Securities

Can a demat account be opened without a PAN card?

PAN card is mandatory while opening demat account in India as per SEBI circular. Visit ICICIdirect to know more.

  • 07 Feb 2021
  • ICICI Securities

Can I apply for IPO without a demat account?

If you want to invest in IPOs and become one of the first public investors in a company, it is best not to delay opening your demat account. Click here to read more!

  • 05 Feb 2021
  • ICICI Securities

Is it possible to have two demat accounts?

An individual can open more than one demat account provided it should be linked to one pan. Click here to read more.

  • 05 Feb 2021
  • ICICI Securities

Can I trade without demat account?

Wondering if you could trade without demat account? A demat account is required to hold your shares while trading. Visit ICICIdirect to know more!

  • 05 Feb 2021
  • ICICI Securities

ELSS vs PPF: Which is the better tax saving option?

A comparative analysis of Equity Linked Saving Scheme (ELSS) & Public Provident Fund (PPF) based on various parameters. Visit ICICIdirect to know more!

  • 05 Feb 2021
  • ICICI Securities

Five suggestions for intraday trading

Now learn intraday secrets before you start investing in share market. Click here to know more about intraday trading.

  • 05 Feb 2021
  • ICICI Securities

How to choose the best mutual funds in 2021

If you are looking to kickstart your investment plans for 2021, try mutual funds. They are flexible products that allow you to invest for varying timeframes and via SIPs or lump sum investments. Some mutual funds offer high returns but may be risky, while others are ideal for conservative investors. 

  • 05 Feb 2021
  • ICICI Securities

Why you should use a Systematic Investment Plan (SIP)

A regular savings habit holds the key to financial security. Yet, many struggle to be disciplined about their savings and investments. If investment discipline is an issue for you, a Systematic Investment Plan (SIP) could help. A SIP makes investing through mutual funds easy. All you have to do is regularly invest small amounts in mutual fund SIPs of your choice. 

  • 03 Feb 2021
  • ICICI Securities

What are tax saving mutual funds and how do they work?

A tax saving mutual fund, also called Equity Linked Savings Scheme (ELSS), is a mutual fund scheme that invests in equity & equity related securities. Click here to know more

  • 03 Feb 2021
  • ICICI Securities

All you need to know about ELSS

All you need to know before you start investing into ELSS. Visit ICICIdirect to know more!

  • 03 Feb 2021
  • ICICI Securities

All You Need To Know About Depository Participants

Depository Participant acts as an intermediary between the depository and the Investors who hold securities. Click here to read more about DP!

  • 03 Feb 2021
  • ICICI Securities

8 differences between Mutual Funds and Shares

Understand the differences between shares and mutual funds before you make the critical decision of investing. Visit ICICIdirect to know more!

  • 02 Feb 2021
  • ICICI Securities

Trading Holidays 2021 for NSE, BSE, Currency & Commodity - ICICIdirect

Trading Holidays Calendar 2021: Get the complete list of NSE, BSE, MCX, Commodity & Currency trading holidays for 2021. 

  • 02 Feb 2021
  • ICICI Securities

How to trade in commodity?

Commodities refer to essential items that are exchangeable and can be bought and sold. Be it food, metals, energy, or resources – commodities are fundamental for life, and investors can trade them on commodity exchanges similar to shares and bonds for profit.

  • 25 Jan 2021
  • ICICI Securities

Upcoming IPO calendar for 2021

Like the year gone by, 2021 promises to be an eventful one for initial public offerings (IPOs. That is despite the coronavirus pandemic and the resulting lockdowns. When a company launches an IPO, it issues new stock for public investment. By participating in an IPO on the primary market, you can invest in promising companies' shares.

  • 25 Jan 2021
  • ICICI Securities

Four benefits of investing in debt mutual funds

A debt fund is a mutual fund which invests mostly in fixed income instruments like government securities, corporate bonds or treasury bills. These instruments give you a fixed rate of return at the end of a fixed period. In essence you are giving the bond issuer a loan, which it promises to repay with interest. Here are four significant benefits of investing in debt mutual funds.

  • 25 Jan 2021
  • ICICI Securities

Lumpsum vs SIP: Know the advantages

There are two ways to invest in a mutual fund scheme – a lump sum investment or a systematic investment plan (SIP). The lump sum investment consists of a single payment, while in the SIP a specific fixed amount is invested daily, monthly, quarterly or biannually, in your choice of mutual fund scheme/s. A lump sum investment requires you to invest of a considerable sum in equity, debt, fixed income and other such funds, depending on the objective and tenure of investment, and the risk you are willing to take.

  • 25 Jan 2021
  • ICICI Securities

7 things to know about a demat account

A demat account, or ‘dematerialised account’ is an electronic or digital form of holding your securities. In India, it is mandatory to have such an account for buying or selling stocks or other financial instruments. Only then can you trade in stocks, equity, ETF, IPOs and certain debt instruments.

  • 25 Jan 2021
  • ICICI Securities

7 things you need to know about NPS

Most of us worry about retirement and having enough income in our old age. While some people save and invest enough, there are many who find it difficult to manage finances to ensure enough money post-retirement. The National Pension System (NPS) is a good option for those who want income after their working years are over.

NPS is a contribution-based pension scheme aimed at providing a regular income after retirement. It was launched for government employees in 2004 and later opened to everyone in 2009 through a few select banks, including ICICI Bank.

  • 25 Jan 2021
  • ICICI Securities

7 things to know about ELSS

An Equity-Linked Savings Scheme (ELSS) is a tax saving mutual fund meant to encourage long-term equity investments. Under Section 80C of the Income Tax Act, the amount you invest in ELSS is deducted from your taxable income up to a limit of Rs 1.5 lakh in a financial year, resulting in significant tax savings.

ELSS is a popular choice among investors because of its tax benefit and potentially high returns, and also because it has the shortest lock-in period of all tax-saving instruments under Section 80C. However, most fund managers will advise you stay invested for longer than that to maximise returns.

  • 25 Jan 2021
  • ICICI Securities

7 reasons to invest in Mutual Funds

A mutual fund pools in money from various investors and invests it in various types of underlying securities. They prove to be a great investment tool for growing ones’ wealth. Irrespective of your risk appetite and investment horizon, there is a mutual fund for everyone. However, investing in mutual funds for the wrong reasons can result in a bad investment.

  • 25 Jan 2021
  • ICICI Securities

5 mistakes to avoid while investing in Mutual Funds

Mutual funds have become an increasingly popular investment option, even among those who are unfamiliar with the stock market. This is because not only do they offer a higher return than many fixed income or other financial instruments, but you can also pick and choose the kind of returns you want vis a vis your risk appetite, investment time horizon and financial imperatives. And if you are new to the market, there’s always your friendly financial advisor who can help you understand debt, equity, balanced funds and other such stock market jargon.

  • 25 Jan 2021
  • ICICI Securities

5 smart tips for beginners in the Stock Market

The Indian stock market offers a plethora of investment opportunities. With a wide range of investment instruments offered in this market, you can achieve several significant personal and financial goals. Disciplined, timely investments can help you create a long-term corpus. However, stock trading is volatile and not completely risk-free as prices of stocks can fluctuate rapidly. As such, you need to be prudent with your investments. So, if you’re just entering the stock-investment world, here are five tips that could prove beneficial.

  • 25 Jan 2021
  • ICICI Securities

What is SIP and why you should invest in it?

A Systematic Investment Plan or SIP allows you to invest a fixed sum at regular intervals in selected mutual funds or shares. This allows you to buy smaller amounts at regular intervals, building fiscal discipline and saving you from the shock of a last minute lump sum payment

  • 23 Jan 2021
  • ICICI Securities

What is an IPO? How can I apply in an IPO with my demat account?

An Initial Public Offering is when a private company offers shares to the public for the first time. Before filing for an IPO, the company must fulfil certain conditions set by the Securities and Exchange Board of India (SEBI).

  • 23 Jan 2021
  • ICICI Securities

What is Long Term Capital Gain?

Any income that accrues from the sale of a capital asset (like shares, real estate, bonds, commodity etc.) is considered a capital gain, and taxed as either short or long term capital gains (LTCG/STCG) depending on the holding duration. Here’s a break down of LTCG and its tax implications.

  • 22 Jan 2021
  • ICICI Securities

7 things new Mutual Fund investors need to know

Mutual funds are an excellent tool that helps build your investment portfolio. But if you are new to the world of mutual funds, it’s essential that you first learn the nuances to reap maximum benefits. 

  • 15 Jan 2021
  • ICICI Securities

7 best tax saving options available for you

If you want to avail of deductions to reduce your tax burden instead of opting for a flat rate, you need to do some planning before investing in tax-saving instruments. This is because not all of them offer the same kind of benefits, returns, liquidity, etc

  • 15 Jan 2021
  • ICICI Securities

What are arbitrage mutual funds?

An arbitrage fund is defined as a mutual fund that leverages the price difference in the cash and derivatives market to make a profit.

  • 15 Jan 2021
  • ICICI Securities

Comparison between Gold ETF and Gold Futures

A gold ETF is a commodity exchange-traded fund that can be used to gain exposure to the price increase in the gold. Gold ETFs trade on a stock exchange just like a normal stock or equity but derives its value from holding ‘underlying assets’ that is Gold.

  • 15 Jan 2021
  • ICICI Securities

Commodities as an asset class

The global financial market has become one of the important barometers for growth of the economies. Each asset classes are equally importance in growth of the global economies. Major asset classes include equities, bonds, currencies and commodities have their distinct contribution to the world economy.

  • 15 Jan 2021
  • ICICI Securities

Passive mutual funds: All you need to know!

Passive mutual funds are exchange traded funds and funds that invest in index, thereby ensuring stable returns without much risk over the long term. Here’s all you need to know about these funds

  • 15 Jan 2021
  • ICICI Securities

How do I know my demat account number?

Before we explore how to know the demat account number, let’s take a closer look at what is a demat account. For starters, a demat account is just like a bank account.

  • 15 Jan 2021
  • ICICI Securities

How to transfer shares from one demat account to another?

We all frequently operate our demat accounts during the buying and selling of shares in share market. The buying of shares results in our demat account being credited, whereas when you sell the shares, the securities are debited from the account.

  • 15 Jan 2021
  • ICICI Securities

What are tax saving mutual funds and how do they work?

Tax saving mutual funds, also known as Equity Linked Saving Scheme or ELSS, offer the dual benefits of higher returns and tax saving through deductions up to Rs 1.5 lakh under section 80C of the Income Tax Act.

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