The Indian stock market requires investors to begin their journey by creating both a Demat Account and a Trading Account. The online process in 2026 takes less time and makes transactions easier because generally users can complete it without any costs. e-KYC enables users to finish the process within a time frame that requires less than 10 minutes.
What Is a Demat Account?
A Demat Account stores all of your financial assets, including stocks and bonds and mutual funds in a digital format. The system protects your assets through electronic storage, which replaces traditional paper certificates. The stock market requires you to have a different trading account because a Demat account only functions as a secure storage place for your stock holdings.
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Feb 16th, 2026 - Time 11.45Hrs
What Is a Trading Account?
The Trading Account serves as the platform for executing your buying and selling transactions. The system provides a connection between your bank account and the stock market. Your trading activities go through the trading account, which delivers your orders to the Demat account for post-trade storage of your securities.
Why Do You Need Both Accounts?
The stock market requires investors to possess both a Demat Account and a Trading Account for trading activities. The Trading Account executes your trades, while the Demat Account secures your holdings and everything that follows.
E-KYC Process
The 2026 period will see numerous brokers providing their services without charging for account creation. e-KYC serves as the main tool that enables users to complete their online identity verification process through Aadhaar, PAN, and DigiLocker. The system streamlines operations by removing all physical documents, which results in time savings. The complete online process requires less than 10 minutes for users to finish.
How to Open Your Demat and Trading Account in 10 Minutes
Visit the Website
The account opening process requires you to visit the website for both accounts.
Enter Your Details
Enter your mobile number and email address. The system will send you OTPs for your verification process.
Complete KYC via Aadhaar or DigiLocker
Link your PAN with your Aadhaar. The system requires you to identify yourself through OTP verification.
Upload Bank and Personal Details
Enter your bank account details to fund your Trading account. You also have the option to include nominee information.
E-Sign the Application
The application requires you to use Aadhaar authentication to complete your digital signature process.
Get Confirmation
Your accounts will become active within minutes after the verification process has been completed.
Documents You Need
PAN card (mandatory)
Aadhaar card linked to your mobile number
Bank details, including IFSC and account number
Bank statement or cancelled cheque (if necessary)
Digital signature and photograph (if necessary)
Benefits of Online Accounts
Fast and Easy
The process completes within 10 minutes without requiring you to go to an office.
Account Opening
All brokers provide account opening services without any charge. Users should expect to pay maintenance fees at a later date.
Unified Access
After you link both accounts, you gain the ability to directly fund your Trading account and place orders while tracking your investments through your Demat account.
Secure and Compliant
The e-KYC system verifies your identity through secure methods.
Start Your Investment Journey
Demat and Trading account setup requires no cost and takes place through digital channels. You can begin trading through e-KYC after making investments in stocks, mutual funds, and ETFs within a time frame of 10 minutes.
Conclusion
Trading and investing require both a Demat Account and a Trading Account to be present. e-KYC enables users to complete their account setup process in a fast and safe manner. Start your investment journey today!
