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What Is 5paisa?

  • 5paisa is a digital-first, flat‑fee brokerage platform spun off from IIFL and listed independently in 2017. It offers a wide range of investment products—stocks, F&O, mutual funds, Smallcases, US stocks, digital gold, insurance, IPOs, and more—all from its mobile app, web portal, or desktop terminal

Why 5paisa Was Created

  • Flat and transparent fees, unlike traditional brokers that charged based on trade value.

  • Designed for a paperless experience—no branches or hidden charges.

  • Combines tools for beginner investors (like robo‑advisory) with advanced features for traders (derivatives analytics, APIs) .

Business News

Products & Services

1. Equity, Intraday, F&O, Currency & Commodities

  • Flat ₹20 per executed order across equity delivery, intraday, F&O, currency, and commodity segments 
  • Call & Trade fallback, ₹20 per trade if your tech fails 

2. Robo‑Advisory (“Auto Investor”)

  • Completely free goal-based ETF and mutual fund portfolios designed for your risk profile. No advisory costs 

3. Mutual Funds & Smallcase

  • Zero-commission direct mutual funds.

  • Access curated Smallcase portfolios via the same dashboard .

4. FnO 360 & Algo‑Trading Support

  • Live options data including 16+ Greeks, option-chains, predefined strategies, basket orders, India VIX, OI alerts, and screeners 
  • Free API access and integrations for algorithmic trading via partners like AlgoBulls .

5. US Stocks, Digital Gold, Insurance, IPOs, FD, P2P Lending

  • Easy access to fractional US stocks.

  • Buy digital gold, insure yourself, invest in fixed deposits, IPOs—straight from the app .

How It Works – Step by Step

  • Do paperless onboarding: Submit Aadhaar and PAN, complete KYC with selfie—done online.

  • Fund your account via UPI (instant, free) or net‑banking (₹9 + GST, free on some banks) .

  • Choose your fee model: Flat-per-trade ₹20 or subscribe to value packs (e.g., ≥100 trades/month tariff).

  • Start trading on mobile/web/desktop or use Call & Trade if platforms lag.

  • Use built-in tools: FnO 360 for advanced analytics, Auto Investor for goal-based investments.

  • Monitor your portfolio including holdings, margins, P&L—on the dashboard.

Financial Performance & Recent Highlights

  • Q1 FY26 (Jun 2025):

    • Revenue: ₹77.7 cr (+9% QoQ); Net profit: ₹11.55 cr (+14.7% QoQ) 
    • YoY drop: profit declined ~42%, revenue dropped ~24% from Q1 FY25 
    • EBITDA: ₹22.8 cr; EPS: ₹3.70

    • Additional notes: Expenses down 17%; net profit margins ~32-35% 

    Why the dips?

    • Reduced brokerage income due to lower client trades.

    • Higher compliance (employee) costs.

    • But company emphasizes sequential recovery and adoption of AI upgrades 

    🗣️ What Users Say – Real Feedback

    👍 Pros:

    • Powerful FnO toolset: “Live option data…16+ greeks…goldmine”—great for derivatives traders
    • Auto Investor praised by beginners for hassle-free goal planning

    • APIs for algo traders: Many automate trades via 5paisa API

    👎 Cons:

    • Fund credit delays, with some waiting days for UPI/net‑banking transfers .

    • Mutual fund redemption errors, server glitches hitting folio execution .

    • Spam calls/data privacy issues—some say their info was shared after signup

    • Platform lag on peak days and unexpected deductions in flat-rate packs .

Strengths vs Weaknesses

  • 5paisa is a powerful, flat‑fee investing platform that caters to both casual investors (via robo‑advice, mutual funds) and active traders (via FnO tools and API access). Its sequential profit recovery in early FY26 shows resilience.
  • But be aware: operational reliability issues—like fund credit delays and spam concerns—can affect user trust. If you’re someone who values speed, clarity, and consistent customer service, I recommend testing it with small investments first.

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