It was a bright Monday morning when Arjun, a 28-year-old IT professional from Bengaluru, sat down with his cup of chai, wondering where to invest his bonus. With friends buzzing about stock markets and mutual funds, he found himself stuck between two well-known names: 5Paisa vs Motilal Oswal. On one hand, 5Paisa looked attractive with low-cost brokerage, and on the other, Motilal Oswal promised research-driven, full-service expertise. But the big question remained — which brokerage app is actually better in 2025?
If you are in the same boat as Arjun, this article by Indiainvesthub will give you a comprehensive review of 5Paisa vs Motilal Oswal, covering all the essential factors like brokerage charges, ease of use, trading platforms, research, customer support, and security. Let’s dive in!
Table of Contents
Company Overview: 5Paisa vs Motilal Oswal
5Paisa:
5Paisa Capital Limited, founded in 2007, is a Mumbai-based fintech company offering a wide range of services including stock broking, mutual funds, insurance, P2P lending, and algo trading. It operates under a discount broking model, making it attractive to cost-conscious traders. As of 2024, 5Paisa has over 2.5 million active clients and processes millions of transactions monthly. (Source: NSE India, 2024)
Motilal Oswal:
Motilal Oswal Financial Services Ltd, founded in 1987, is a full-service financial powerhouse with 7.3 million clients across 550+ cities. Unlike discount brokers, it offers not just broking but also asset management, wealth advisory, investment banking, and private equity. Its strength lies in research-driven investment insights, which have earned the trust of Indian investors for decades. (Source: Motilal Oswal Annual Report, 2024)
Features | 5Paisa | Motilal Oswal |
|---|---|---|
Preview |  |  |
Established Year | 2007 | 1987 |
Brokerage App Link |
Brokerage Charges & Pricing Comparison
- 5Paisa:
- ₹20 per executed order for all segments.
- Subscription plans available (e.g., Power Investor & Ultra Trader), reducing brokerage as low as ₹10 per order.
- No hidden charges.
- Motilal Oswal:
- Traditional percentage-based brokerage ranging from 0.2%–0.5% per trade (higher compared to discount brokers).
- Offers personalized advisory bundled with brokerage costs.
Verdict: 5Paisa wins on pricing, especially for active traders.
Account Opening Process & Ease of Use
- 5Paisa: 100% paperless account opening, instant e-KYC verification, and account activation within 24 hours.
- Motilal Oswal: Hybrid model — both digital onboarding and branch support. Account activation may take 2–3 days, but personalized guidance is provided.
Verdict: 5Paisa is faster and more beginner-friendly, while Motilal Oswal offers more hand-holding.
Trading Platforms & Mobile App Performance
- 5Paisa: Offers 5Paisa Mobile App and web platform with features like advanced charting (TradingView), real-time data, robo-advisory, and easy navigation.
- Motilal Oswal: MO Investor App and MO Trader App — feature-rich with portfolio insights, thematic investments, and in-depth research reports.
Verdict: Motilal Oswal provides a more comprehensive suite for seasoned investors, while 5Paisa is simpler for cost-conscious users.
Investment Options Available
- 5Paisa: Stocks, derivatives, mutual funds, IPOs, ETFs, insurance, P2P lending, algo trading.
- Motilal Oswal: Wider bouquet including stocks, derivatives, commodities, mutual funds, IPOs, ETFs, PMS, wealth management, private equity, and asset management.
Verdict: Motilal Oswal offers broader and deeper investment options.
User Experience & Interface
- 5Paisa: Sleek, easy-to-use app designed for retail investors and beginners.
- Motilal Oswal: Slightly complex interface due to its vast product range, but well-suited for serious investors.
Verdict: Beginners may prefer 5Paisa, while advanced investors may find Motilal Oswal more powerful.
Research, Tools & Advisory Services
- 5Paisa: Provides stock ideas, robo-advisory, and some basic research.
- Motilal Oswal: Known for its award-winning research reports (over 30,000 reports across 260+ companies). Offers expert advisory, market insights, and thematic portfolios. (Source: Motilal Oswal Research, 2024)
Verdict: Motilal Oswal dominates in research and advisory.
Customer Support & Service Quality
- 5Paisa: Chat, call, and email support. Premium customer service for paid plans.
- Motilal Oswal: Extensive offline network with 500+ branches, relationship managers, and 24/7 digital support.
Verdict: Motilal Oswal is better for investors who value personalized support.
Safety, Security & Compliance
Both are SEBI-registered, members of NSE, BSE, NSDL, and CDSL. Data is encrypted with bank-level security.
Verdict: Both are equally safe and compliant.
Pros & Cons: 5Paisa vs Motilal Oswal
5Paisa:
Motilal Oswal:
Which App is Better in 2025? 5Paisa vs Motilal Oswal
5Paisa vs Motilal Oswal isn’t just a clash of brokerage apps; it’s a choice between low-cost trading and full-service financial expertise. If you’re a cost-conscious retail investor who wants a simple, affordable app, 5Paisa is the winner. But if you value in-depth research, expert guidance, and a wide range of wealth services, Motilal Oswal is the better choice.
At Indiainvesthub, we help readers compare platforms like 5Paisa and Motilal Oswal so they can choose based on their financial goals and investing style.
So, as you look ahead to 2025, which path suits you better — low-cost efficiency with 5Paisa, or research-driven investing with Motilal Oswal?
