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Many people nowadays are looking for various investment avenues like e-gold, bonds, shares, real estate and so on. The very step to venture into the capital market and start investing is to know what a Demat account is along with the best ways to open demat account. What is a demat account? Demat account is a medium using which an individual can convert and also retain the physical shares in their electronic format. Just the way we need a bank account for our online transactions, a demat account is necessary when you have to trade or hold stocks, securities or other capital market-related investments. One can use the demat account for offline and online buying and selling of shares. Just like our bank account, the demat account holds all the certificates of the financial instruments and one cannot trade in the stock markets without opening a demat account. How Does A Demat Account Work? Before we learn how to open demat account online, let us start by understanding how a demat account actually works. The depositories in India, CDSL, and NSDL hold all the demat accounts and all the shareholding details of the individual account are held at the central depository. Every demat account has a unique identification number which needs to be provided for the transactions. The access to CDSL and NSDL is provided by the DPs or the depository participants. These can be the brokers or the banks who act as a bridge between the investor and the central depository. Motilal Oswal is one such depository participant with whom one can open a demat account online. The demat account that is opened by the investor holds the securities and one can check the details of their holding from their portfolio. The portfolio of the investor gets updated automatically when a transaction happens. How To Open Demat Account Online? To open a demat account online, the individual needs to approach the DP and fill up the form for account opening. The list of valid DPs is available online on the official websites of CDSL and NSDL. Once the demat account opening form is duly filled, one needs to enclose the photocopies of the needed documents like the proof of identity and the proof of address. After which, an agreement has to be signed with the DP which has all the details about the duties of the trader as well as the DP. A copy of the agreement is given to the account holder along with the details of charges. These documents are to be preserved as they can be needed for future references. The Demat account is then opened by the DP and the account holder is given the unique demat account number. This number is also called as the BO ID or the beneficial owner identification number. All your investments are credited to the demat account. In case you sell the securities, the demat account is debited. Investors can also open an online trading account using eKYC process which takes less than five minutes of their time. All one needs to do is to fill up the application form online and upload the needed documents online. Once the process is complete, investors can start trading in no time. The Documents Needed To Open a Demat Account The below are the documents that are needed to open Demat account. - Application form duly filled along with the KYC application form. - A photo of the applicant which has to be signed across and pasted on the application form. - Photocopy of the applicant's PAN Card. - Applicant’s proof of Identity (Can be any from Aadhar card, Voter ID, Passport and Driving License) - Applicant’s Proof of Address (Can be any from Aadhar card, Voter ID, Passport and Driving License) The Charges Associated with Demat Account Apart from knowing what a Demat account is and how to open it, one also needs to know the Demat account charges that can be incurred. Listed below are a few of them. The Account Opening Fee: This is a onetime charge that can be levied during the time of account opening. A number of brokers now offer zero account opening to their customers. Maintenance Fee: This is a fee that is charged annually and the charge levied varies from broker to broker. The Brokerage Charges: These are the charges that are incurred when the investor buys or sells the shares. Now that you are aware about what a demat account is and how one can open a demat account, it is time to go right ahead and fill up the application. Happy Trading!
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नेपालमा डिम्याट खाता खोल्नेको संख्या ३५ लाख २८ हजार पुगेको छ । पछिल्लो समय सर्वसाधारणमा सेयर बजारप्रतिको आकर्षण बढ्दै जाँदा डिम्याट खाता खोल्नेको संख्या समेत बढ्दै गएको हो । सेयर बजारमा आएको सुधार र सार्वजनिक सेयर निष्कासन ‘आईपीओ’मा सर्वसाधारणको आकर्षणले डिम्याट खोल्नेको संख्या बढिरहेको छ । सीडीएस एन्ड क्लियरिङ लिमिटेडको शनिबारसम्मको तथ्यांकअनुसार डिम्याट खाता ३५ लाख २८ हजार ८ सय ६९ पुगेको छ । डिम्याट हुने सेयरको संख्या ६ अर्ब ५० करोड ६८ लाख ५१ हजार १ सय ३३ कित्ता रहेको छ । डिम्याट खाता नभएकाले प्राथमिक सेयर भर्न पनि पाउँदैनन् । कतिपयले प्राथमिक सेयर भर्नकै लागि पनि डिम्याट खाता खोल्ने गरेका छन् । डिम्याट खाता खोलेका सबैले सेयर बजारमा दैनिक कारोबार गर्छन् भन्नेछैन । कतिपयले अहिले पनि सेयर प्रमाणपत्र नै घरमा राखिरहेका छन् । के हो डिम्याट खाता ? अंग्रेजी शब्द ‘डिम्याट्रिलाइज्ड’को छोटकरी शब्द नै डिम्याट हो । नेपालीमा यसको अर्थ अभौतिक खाता हुन्छ । विभिन्न कम्पनीको सेयर खरिदबिक्री हुँदा पहिले भौतिक अर्थात् कागजी प्रमाणपत्रकै रूपमा हस्तान्तरण हुने गर्दथ्यो अर्थात् सेयर बेच्नेले प्रमाणपत्र नै दिने, खरिद गर्नेले फेरि आफ्नो नाममा प्रमाणपत्र नै पाउँथे । २०७२ माघ २ गतेबाट डिम्याट खाता पूर्ण रूपमा सञ्चालनमा आएको हो । हाल सेयर अभौतिक रूपमा अर्थात् यही डिम्याट खातामा सिधै हस्तान्तरण हुन्छ । जसरी हामीले बैंक खातामा पैसा जम्मा गर्छौं, त्यसैगरी डिम्याट खातामा किनेको सेयर आफैं जम्मा हुन्छ । प्राथमिक सेयर (आईपीओ) भरेपछि परेमा खातामै जम्मा हुन्छ । त्यस्तै, दोस्रो बजारमा सेयर बिक्री गर्दा खाताबाट सेयर संख्या घटेर खरिद गर्नेको डिम्याट खातामा जम्मा हुन्छ । यही सेयर जम्मा हुने खाता नै डिम्याट खाता हो । कसरी, कहाँ खोल्ने खाता ? यो खाता विभिन्न बैंकका सहायक कम्पनीहरूमा खोल्न सकिन्छ । सहायक कम्पनी भएका बैंकले नै यस्तो खाता खोलिदिन्छन् । त्यस्तै, ब्रोकर कम्पनीमार्फत पनि यस्तो खाता खोल्न सकिन्छ । यो खाता खोलिदिने संस्थालाई निक्षेप सदस्य (डिपोजिटरी पार्टिसिपेन्ट) भनिन्छ । यस्तो खाता खोल्नका लागि बैंक खाता नम्बर, नागरिकता प्रमाणपत्रको फोटोकपी र फोटो चाहिन्छ । आफूले कारोबार गर्ने बैंक वा ब्रोकर कम्पनीमै यस्तो खाता खोल्न सकिन्छ । धेरैले यस्तो खाता खोलेवापत कुनै शुल्क लिँदैनन् । केहीले १ सय रुपैयाँसम्म शुल्क लिन सक्छन् । डिम्याट खाता खोलेपछि तपाईंलाई १६ अंकको डिम्याट खाता नम्बर प्राप्त हुन्छ । सो नम्बर पाएपछि मात्रै प्राथमिक सेयर भर्न वा दोस्रो बजार (नेप्से)बाट खरिदबिक्री गर्न सकिन्छ । आफ्नो डिम्याट खातामा कुन कुन कम्पनीको, कति सेयर छ ? त्यसको अहिलेको बजार मूल्य कति छ, खातामा सेयर जम्मा भए/नभएको जस्ता विवरण पनि आफूले नै मोबाइल वा ल्यापटपबाट हेर्न सकिन्छ । यसका लागि डिम्याट खाता खोलिदिने संस्थाले डिम्याट एकाउन्ट लगइनको युजरनेम र पासवर्ड दिन्छन् ।