..... . VALI disclosures . .....: 27/02/26, which is the best stock market App in India for 2026

Friday, February 27, 2026

27/02/26, which is the best stock market App in India for 2026

Overview

Groww leads in new demat account additions, making it a top choice for beginners entering the stock market.
Zerodha remains a strong platform for active stock traders due to low brokerage and advanced trading tools.
- Angel One stands out for research support and full-service features despite a slight profit dip in FY26.
India's stock market has seen a massive growth in the past few years, with millions of new investors trading through mobile apps. The choice of a stock market app depends on cost, safety, ease of use, and new rules set by regulators. Recent data from early 2026 suggests strong competition among the top platforms, especially Groww, Zerodha, and Angel One.
Market Trends in 2026
Retail investors are still active in 2026, despite the market volatility in 2025.
Industry reports from January 2026 show that Groww added more new demat accounts on the NSE than other brokers. Its share of active clients was in the high-20% range by late 2025.
This makes Groww one of the fastest-growing brokers in India.
Zerodha, the largest discount online broker in India, continues to hold a major share of active traders. However, data from late 2025 indicated a slight drop in market share as growth slowed compared to earlier years. The company has linked this change to market cycles and different definitions of active accounts.
Angel One is one of the leading full-service brokers. The company made news after announcing a 1:10 stock split in early 2026. Around the same period, it reported a small decline in profit for the third quarter of FY26. Despite this, it continues to maintain a strong client base across India.
Regulatory Changes Affecting Apps
The year 2026 has brought many important regulatory updates. In February 2026, SEBI revised rules related to calendar spread margin benefits in single stock derivatives on expiry day. This change directly impacts traders who deal in futures and options.
At the same time, the Reserve Bank of India tightened lending norms for capital market exposure. This step affected brokerage stocks in February 2026 and increased pressure on firms that rely heavily on margin funding. These moves make safety, transparency, and risk control more important than ever when choosing a trading app.
Apps that clearly explain margin rules, charges, and risk exposure are now seen as safer options. Investors are paying closer attention to compliance and stability rather than only focusing on low fees.
Groww: Fastest Growing Platform
Groww stands out for its rapid growth. By adding more demat accounts than several competitors in January 2026, it strengthened its position among new investors. Its mobile interface is simple, clean, and easy to understand. Many first-time investors prefer it because account opening is quick and the learning content is easy to follow.
The app supports stocks, mutual funds, ETFs, and more. Over time, it has expanded into advanced trading features as well. With its strong onboarding numbers and growing active client base, Groww is often seen as the best option for beginners and young investors entering the market.
Zerodha: Trusted by Active Traders
Zerodha remains a powerful name in the Indian brokerage industry, known for low charges and a stable trading platform. Many serious traders prefer it for futures and options trading because of its reliable systems and advanced tools.
Even though its market share saw a small decline in 2025, it still holds one of the largest active client bases in India. Its pricing model is simple and appeals to cost-conscious traders. The platform also offers strong charting tools and APIs for advanced users.
Zerodha continues to be viewed as one of the best apps for experienced traders who want performance and cost efficiency.
Angel One: Full-Service Strength
Angel One offers both discount broking and advisory services. It gives research reports, portfolio ideas, and many investment options in one app. This makes it useful for people who want guidance along with trading.
The company announced a 1;10 stock split in early 2026. This increased liquidity and drew attention in the market. Even though profits fell slightly in the third quarter of FY26, the company is financially stable and continues to improve its pricing plans.
Final Verdict for 2026
There is no single best stock market app for everyone in India. The right choice depends on personal goals and trading style.
Groww is growing fast and is very easy to use. Zerodha is known for low charges and strong trading tools. Angel One offers research, advice, and many services under one platform.
New SEBI margin rules and stricter RBI lending norms have made safety and transparency more important than ever. Investors now care not only about low fees but also about stability and clear policies.
These three apps are among the top choices in India. However, the final decision depends on whether the focus is on simple investing, active trading, or full-service support.

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Trade Cycles

The four important features of Trade Cycle are (i) Recovery, (ii) Boom, (iii) Recession, and (iv) Depression!

The trades cycle or business cycle are cyclical fluctuations of an economy. A full trade cycle has got four phases: (i) Recovery, (ii) Boom, (iii) Recession, and (iv) depression. The upward phase of a trade cycle or prosperity is divided into two stages—recovery and boom, and the downward phase of a trade cycle is also divided into two stages—recession and depression.

Phases of Trade Cycle:

The phases of trade cycle are explained with a diagram:

(1) Recovery:

In the early period of recovery, entrepreneurs increase the level of investment which in turn increases employment and income. Employment increases purchasing power and this leads to an increase in demand for consumer goods.

As a result, demand for goods will press upon their supply and it shall, thereby, lead to a rise in prices. The demand for consumer’s goods shall encourage the demand for producer’s goods.

The rise in prices shall depend upon the gestation period of investment. The longer the period of investment, the higher shall be the price rise. The rise of prices shall bring about a change in the distribution of income. Rent, wages, interest do not rise in the same proportion as prices.

Consequently, the margin of profit improves. The wholesale prices rise more than retail prices. The prices of raw materials rise more than the prices of semi-finished goods and the prices of semi-finished goods use more than the prices of finished goods.

(2) Boom:

The rate of investment increases still further. Owing to the spread of a wave of optimism in business, the level of production increases and the boom gathers momentum. More investment is possible only through credit creation. During a period of boom, the economy surpasses the level of full employment and enters a stage of over full employment.

(3) Recession:

The orders for raw materials are reduced on the onset of a recession. The rate of investment in producers’ goods industries and housing construction declines. Liquidity preference rises in society and owing to a contraction of money supply, the prices falls. A wave of pessimism spreads in business and those markets which were sometime before sellers markets become buyer’s markets now.

(4) Depression:

The main feature of a depression is a general fall in economic activity. Production, employment and income decline. The prices fall and the main factor responsible for it is, a fall in the purchasing power.

The distribution of national income changes. As the costs are rigid in nature, the margin of profit declines. Machines are not used to their full capacity in factories, because effective demand is much less. The prices of finished goods fall less than the prices of raw materials.

✳Reality Tips to Traders

1)Trading in the stock market is a marathon. 2)Protecting your capital is key. (Learn to protect first) 3)Making 0 on the day is better than losing 50k 4)Losses happen; they are part of this business. 5)It’s not you vs. the market. It’s you VS you. 6)You are your biggest enemy; learn to be mentally disciplined. 7)Don’t follow the majority; follow the correct path. 8)Traders without a stop loss end up not being traders for long. 9)There is always another trade. 10)The big money is made waiting for the right set-ups. 11)Waiting for the right trade is the most powerful strategy. 12)It is better to cut a loss than to wait to be proven right. 13)Position sizing can make or break you. 14)Worry about the downside before you even think about the upside. 15)Don’t listen to headlines

..BANKING TERMINOLOGY

There are various types of Banks: PSU Banks, Private Banks, Co-operative/Regional Banks, Small Finance Banks and Foreign Banks. When you deposit money in a bank, let's say the bank gives you an interest rate of 4%. But when the bank lends out this money, they lend it out at say, 12%. The difference of 8% in the above scenario is effectively the profit of the bank! The loans that do not pay interest for 90 days are known as Non-performing Assets. Banks have to provide for such bad loans. Structure of a Bank Asset for a Bank: The asset portion of a bank's capital includes cash, government securities, and interest-earning loans (e.g., mortgages, letters of credit, and inter-bank loans). Liabilities for a Bank: The bank's main liabilities are its capital (including cash reserves and, often, subordinated debt) and deposits. The latter may be from domestic or foreign sources (corporations and firms, private individuals, other banks, and even governments). Banks are required to maintain Liquidity with the Reserve Bank of India: SLR (Statutory Liquidity Ratio): It is the money a bank needs to preserve in the form of cash, gold or government Bonds before providing credit customers. This limitation is added by RBI on banks to make funds available to customers on-demand at your earliest convenience. Banks are required to maintain SLR at 18%. CRR (Cash Reserve Ratio): Banks are required to hold a certain proportion of their deposits in the form of cash. Banks don’t hold these as cash with themselves, but deposit such amounts with RBI / currency chests. CRR rate is at 4.5% currently. Repo Rate: The rate at which the RBI lends short-term money to the banks. The RBI through its Monetary Policy committee changes the repo rate to balance growth and Inflation. Reverse Repo rate: The rate at which banks park their short-term excess liquidity with the RBI. Now let us understand various terminologies for Banks Net Interest Income (NII): This is the spread the bank makes on its lending. It is calculated as Interest Income – Interest Expended Net Interest Margin (NIM): This is the spread the bank makes on its lending. It is the earning which is left after deducting the cost paid to depositors from its yields on Loans. This is denoted in % terms. The formula is Yield on Loans – Cost of funds Capital Adequacy Ratio (CAR): The capital adequacy ratio (CAR) is a measure of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. Essentially, it is the Capital that is available to lend. Tier I Capital – In simple words this capital is freely available with the bank to lend out. Tier II Capital- This is the capital tied up somewhere and is less freely available to lend. In case of an adverse event, the bank can use this capital to lend. Under Basel III norms, a bank’s tier 1+tier 2 capital must be a minimum of 8% of its risk-weighted holdings. The minimum capital adequacy ratio, also including the capital conservation buffer, is 10.5%. Current Account Saving Account (CASA)- There is no interest paid on the Current Account and a small interest rate is paid on a savings account. The combination of both is called CASA which shows the liabilities of the bank on which it pays relatively less interest. Deposits: Bank deposits are a savings product that customers can use to hold an amount of money at a bank for a specified length of time. In return, the financial institution will pay the customer the relevant amount of interest, based on how much they choose to deposit and for how long. Now let us come to NPA. Gross NPA (GNPA): It is the total loans on which no payment has been paid for 90 days or more. GNPA % is usually shown in each Bank’s quarterly results. The percentage is basically the GNPA amount as a % of the total advances. Slippages: Slippages denote the fresh amount of loans that have turned bad in a year. The slippage ratio of a bank is calculated as Fresh accretion of NPAs during the year /Total standard assets at the beginning of the year multiplied by 100. Provisioning Coverage Ratio (PCR): This is the ratio of provisioning to GNPA and indicates the extent of funds a bank has kept aside to cover loan losses. For Instance, a company has GNPAs of Rs 100 and they have set aside 50 Rs, then the PCR is 50%. Net NPA (NNPA): The total figure left after deducting provisions made for bad loans from GNPA. (GNPA – Provisions+upgrades/writeoffs = NNPA) Special Mention Account (SMA) SMA-0 is a category in which stress with respect to the principal and interest has remained overdue for a period of 0 to 30 days. SMA-1 is a category in which stress with respect to the principal and interest has remained overdue for a period of 30-60 days. SMA-2 is a category in which stress with respect to the principal and interest has remained overdue for a period of 60-90 days

..... . VALI disclosures . .....

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Friday, February 27, 2026

27/02/26, which is the best stock market App in India for 2026

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27/02/25, Bank Index Extended Loss

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