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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
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INR 5.53 Lakh Cr
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Experience ConseQuest- A game where your decisions drive your future.
What is the Equity?
Equity represents part ownership in the company into which you invest. You can buy stocks and shares of the company or invest in its derivatives, and benefit from a share in the company’s profits, voting rights and more.
Why Invest in Equity?
Returns
Equity has the potential to yield high returns on your investments. As the market rises, your portfolio has the potential to grow.
Liquidity
Equity investments are extremely liquid. You can redeem your portfolio anytime and get instant funds.
Wealth creation
If you stay invested over a long-term horizon, you can wait out market volatility and grow your savings for your financial goals.
Tax benefits
Hold your equity investment for over 12 months and enjoy tax-free returns of up to ₹ 1 lakh.
Value Subscription Plans
Trade 20
₹20/order Brokerage fee
(A minimum brokerage of Rs.20 per executed order will be charged subject to a maximum of 2.5% of the traded value. If the brokerage levied as a percentage on the value of the shares/contract is less than the agreed brokerage payable per share/contract, you will be charged the minimum rate of brokerage per share instead of the percentage)
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Equity Intraday -
Futures
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Options
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Currency Futures
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Currency Options
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Commodity Futures
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Commodity Options
Trade5
₹3999 + GST p.a. Brokerage fee
(A minimum brokerage of Rs.5 per executed order will be charged subject to a maximum of 2.5% of the traded value. If the brokerage levied as a percentage on the value of the shares/contract is less than the agreed brokerage payable per share/contract, you will be charged a minimum rate of brokerage per share instead of the percentage)
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Equity Intraday
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Futures
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Options
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Currency Futures
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Currency Options
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Commodity Futures
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Commodity Options
RM Plan
0.03%/order Brokerage fee
(A minimum brokerage of Rs.20 per executed order will be charged subject to a maximum of 2.5% of the traded value. If the brokerage levied as a percentage on the value of the shares/contract is less than the agreed brokerage payable per share/contract, you will be charged the minimum rate of brokerage per share instead of the percentage)
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Equity-Intraday
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Equity Delivery
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Equity Derivatives-futures
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Currency Derivatives-futures
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Commodity Futures
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Commodity Options
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₹35/lot Brokerage fee
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Equity Derivatives-Options
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Currency Derivatives-Options
Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
Account opening process is very simple and steps mentioned in the process are user friendly. Guidance wherever required is excellent and prompt.
Aditya Birla Money Customer
Panvel, India
My trading experience with ABM has been very fruitful. I have always been receiving excellent support from my dealer. Moreover, the transparent business practices at ABM makes it the preferred broker in the industry.
Aditya Birla Money Customer
Mumbai, India
ABCD - One app to build a diversified investment portfolio
Invest in equity stocks or other securities listed on the market with the ABCD app. Get a completely convenient digital platform to trade effectively.
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Invest in a few clicks and build your portfolio
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One-stop platform for buying and selling stocks and securities
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Invest or redeem at your discretion without any restriction
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Understanding Equity
What is equity?
Equity represents ownership rights in a company. When you invest in equity, you become part owner of the company. As an owner, you get a share of profits, voting rights, say in management and more privileges.
What are the features of equity?
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High-risk investment avenue
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High return potential
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Prone to market volatility
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Ease of converting into liquid cash
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Invest in stocks, mutual funds and derivatives
What are the types of equity investing?
Stocks and shares
You can buy shares of a listed or unlisted company at the prevailing market price.
Parents
Includes Equity Futures and Options wherein you speculate on future price movements.
Equity Funds
Investing in equity mutual funds or equity funds offered by unit-linked life insurance plans.
Private equity
You can invest in the equity capital or private companies and become their promoters.
What are the two types of equity shares?
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Preference shares
Preferential payment on liquidation and assured dividends.
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Equity shares
Last payment on liquidation and non-guaranteed dividends.
What is the tax implication of investing in equity?
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Holding period up to 12 months - short-term capital gains - returns taxed at 15%
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Holding period of 12 months or above - long-term capital gains - tax-free returns up to Rs.1 lakh - excess returns taxed at 10%
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Dividend income - taxed at income tax slab rates
Things to remember when investing in equity?
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There’s a fear of capital erosion if the market falls. This results in negative returns.
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There’s a high volatility risk with short-term investing. A long-term horizon is preferable.
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If investing in independent shares, you should choose stocks which have the potential to grow and yield returns.
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You can choose equity funds for a diversified portfolio.
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Diversify your portfolio across other asset classes to stabilise the high risk associated with equity.
What are the types of equity trading?
Intraday trading
Buying and selling stocks within the same trading session.
Delivery trading
Buying and selling stocks over different trading sessions. This is a buy-and-hold strategy of trading.
What Is the Process of Equity Trading?
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Open a demat account
Open a trading account for handling transactions plus a demat account for storing the shares you buy.
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Consider stock prices
Research the factors that impact stock prices thoroughly to be ready for the right entry and exit decisions.
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Learn all about the stocks
Analyse the company/stock fundamentally for assets, liabilities, net worth, and historical performance.
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Place a trade order
Based on the analysis, decide whether you want to execute a buy trade or a sell trade. Then place an order.
Equity Funds
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Various equity funds
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Tax benefits on capital gains
Exchange Traded Funds
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Cost-effective ETFs
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Enjoy professional fund management
FAQs on Equity
To buy equity shares, you need a trading account, a Demat account with NSDL/ CDSL and a valid PAN Card. You can link your bank account with your trading account for quick and seamless transactions. Research and select a reputable stock broker or brokerage firm authorised by SEBI to facilitate the buying and selling of shares.
You can choose the right stocks for investment based on thorough research and market study. Consider several factors such as industry trends, the financial health, valuation and growth prospects of the company to make informed decisions which align with your investment goals. Ensure to diversify your portfolio to spread risk and stay updated on current developments and market news.
Short-term investing aims to make quick profits, often within a year, capitalizing on market fluctuations. On the other hand, long-term investing involves holding the equity shares for an extended period, often 3 years or more, to benefit from market growth and compounding. Short-term investing is susceptible to market volatility whereas long-term investing focuses on weathering market volatility and gain from fundamental growth of the company.
Yes, in certain situations, you might lose more than your initial investments. If the value of your stock investments falls significantly, and if you have invested borrowed money (margin trading), the losses might exceed your initial investment. Hence, it is necessary to avoid overleveraging, manage risk and diversify your investment portfolio.
Diversification is spreading your investments across various stocks to reduce or mitigate risk. Investing in a mix of equity shares from different sectors minimizes the impact of the poor performance in one sector on your portfolio and helps you offset the potential losses in any particular investment. Balancing low-risk and high-risk assets enables you to achieve a more stable investment strategy.
Investing in equity shares allows you to earn high returns on your investments and the potential to beat the rate of inflation by a large profit margin. Investing in equities helps you to grow your wealth over time through ownership in profitable entities.
Market downturns can facilitate buying opportunities. Consider investing when the prices of the equities are lower, but it is necessary to ensure that it aligns with your risk tolerance and overall investment strategy.
In a bull market, securities are on the rise, while a bear market occurs when securities fall for a sustained period. Understanding the trends in the market helps you make informed decisions for buying or selling equities.
The amount you should start investing depends on your investment goals, financial situation, and risk tolerance. You can start investing with an amount which you can afford without compromising your daily life expenses. You can consider setting aside a portion of your monthly income for investing.
Depository Participants (DPs) are financial institutions, stockbrokers or banks authorized by central securities depositories (National Securities Depository Limited (NSDL) and the Central Depository Services Limited (CDSL) and regulated by SEBI for opening and maintenance of demat accounts for investors. DPs act as an intermediary between depositories and individual investors and facilitate the settlement of securities and electronic trading services in the stock market.
Studying the risks of equity investment is crucial before making your decision. Here are the major risk factors.
High Market Risk - Equity shares are popularly known as high-risk-high-reward instruments, which means that the reward potential is as high as the potential of losing your entire corpus in market downturns.
Performance Risk - Equities do not always perform as per investor expectations, and performance risks can affect a stock or stocks across the sector/s.
Inflation Risk - Rising inflation can dilute a company’s worth and in turn, your returns from its stocks.
Liquidity Risk - If a company cannot meet its short-term debt liabilities, liquidity risks arise. You might have to sell your shares at lower than their fair price.
Socio-political Risks - Major social and political changes can suddenly cause harm to a business and put your flourishing investments at risk. For example, the 2022-21 lockdown hugely affected successful hospitality firms.
There are quite a few ways to mitigate these risks. To learn the same, please make sure you have your research in place and that you keep observing the market.
High Returns - Equity investments carry the potential of not just dividend earnings but also of capital appreciation.
Cushion Against Inflation - You can hedge inflation when your returns make up for diminishing purchasing power.
Ease of Investment - You can buy your first share in the next few minutes once your demat account is opened online. You can also consult a stockbroker or a financial planner for further help with each step.
Portfolio Diversification - Debt instruments are popular because of their low risk factor. Investing in equities as well gives you the best of both worlds with the high-return potential of equity and safety net of debt.
Yes, despite the risk factor in returns, equity trading is a safe wealth-creation prospect. It is highly regulated and monitored by the stock exchange, the SEBI (Securities and Exchange Board of India), and financial laws.
Yes. While equity trading is the buying and selling of stocks on the stock exchange, trading on equity refers to a financial strategy that helps you generate revenue through borrowed funds.
Equity investments are definitely for those with a high to moderate risk appetite. New investors can also learn the workings of the market by investing in suitable equity mutual funds after evaluating their risk capacities.
Equity is essentially ownership of an asset or a corporation. For example, a fully owned house is equity of its owner. A corporation’s assets (minus) liabilities are equity owned by multiple entities in the form of shares.
ABC Of Stock
*Tax benefits are subject to changes in tax laws. Kindly consult your financial advisor for more details.
**Sec 10(10D) benefit is available subject to fulfilment of conditions specified therein
#Provided all due premiums are paid
^ As per annual audited figures submitted to IRDAI for the period FY 22 – 23 for individual death claims paid.
¹LI Age 21, Male, Non Smoker, Option 1: Life Cover, PPT: Regular Pay, SA: ₹ 1 Cr., PT: 10 years, Premium paying term: 10 years, Annual Premium: ₹ 5900/- ( which is ₹ 491.66/month) Premium exclusive of GST. On death, 1 Cr SA is paid and the policy terminates.
²Male- 25 yrs invests in ABSLI Nishchit Aayush Plan with Level Income + Lumpsum Benefit. He chooses premium payment term 10 yrs , policy term 40 years, benefit option -Long Term Income and Deferment Period 0 years.
Annualized Premium is ₹1,15,380. Annual Income of Rs. 43,844 (43,844*40=17,53,776) + Maturity Benefit (Rs.16,15,320)= Rs. 33,69,096
³ABSLI Empower Pension Plan, age 40 year healthy male, Policy term is 10 years, Accumulation period is 10 years, basic premium is Rs.100000/-, Plan Option: Assured, Payment frequency: Annual, Return@8% fund value is Rs.13.57 lakhs and @4% is Rs.10,84,803/-
ABSLI Child’s Future Assured Plan. Plan option: Education & Marriage Milestone. Male | Age: 35 years | Policy term: 25 years | Premium paying term: 10 years | Education milestone benefit period: 3 yrs & Education assured benefit start term: 15 yrs | Marriage assured benefit start term: 25 years | Annualized premium: ₹1,00,000 (excluding tax) | Total Benefits Payout: Rs 21,58,664 [Education Milestone Payout: Rs 10,79,332 (policy year 15,16,17) and Marriage Milestone Payout: Rs 10,79,332 (policy year 25)] | Age of Child: 0 years, Child as a nominee | Sum assured multiple for marriage: 100%
⁵ABSLI Wealth Assure Plus plan for 30 years of a healthy male. Plan type: Classic. Investment option: Smart option. Risk Profile: Moderate. Payment frequency: Yearly. Basic annual premium: ₹24,000. Policy Term: 15 years. Premium paying term: 10 years
ABSLI Nishchit Aayush Plan (UIN No 109N137V02) is a non-linked non-participating individual savings life insurance plan.
ABSLI Digishield Plan (UIN: 109N108V11) is a non-linked non-participating individual pure risk premium life insurance plan
ABSLI Empower Pension Plan (UIN: 109L078V03) is an individual unit linked pension plan
ABSLI Child Future Assured Plan (UIN: 109N124V01) is a non-linked non-participating individual life insurance savings plan
ABSLI Wealth Aspire Plan (UIN:109L100V05) is a non-participating unit linked life insurance plan
ABSLI Salaried Term Insurance Plan is a non-linked non-participating individual pure risk premium life insurance plan; upon Policyholder’s selection of Plan Option 2 (Life Cover with ROP) this product shall be a non-linked non-participating individual savings life insurance plan.
ADV/10/23-24/2471
Honesty is the best policy
Applicants should ensure that insurance details in the application form is filled by oneself with “ Utmost good faith”.
Be honest & truthful about your medical history, health conditions, or any other complications.
Also, let the insurer know about any habits like use of alcohol, tobacco or any narcotics/ psychotropic substances in the present or past, to ease the process of Policy issuance and claim assessment process.