Paytm Money: Login, App, Charges & Customer Care Number

If you're new to investing and confused by big words like "demat," "brokerage," or "IPO," don’t worry. Paytm Money is a simple investment app by Paytm that helps you invest in mutual funds, stocks, gold, NPS, and IPOs all through your phone. It’s safe, easy to use, and has low charges. In this blog, we’ll explain everything you need: from how to log in, open an account, charges, to the customer care number.

What is Paytm Money?

Paytm Money is an online investment platform launched by Paytm. It's registered with SEBI, connected to CDSL, and a member of NSE & BSE. You can invest in:

• Mutual Funds (Direct, with zero commission)
• Stocks (Delivery & Intraday)
• Digital Gold
• IPOs (New company listings)
• NPS (Pension scheme)

Key Features of the Paytm Money App

Paytm Money is like a one-stop shop for all types of investments. Everything you need is in one app.

Zero Commission Mutual Funds: You can invest in mutual funds without paying any extra charges. That means more return, less cost. For example, if you invest ₹10,000 in a mutual fund, the full amount goes into your investment with no hidden cut.

₹0 Brokerage on Equity Delivery: if you’re buying and holding stocks (like HDFC or Infosys), you don’t pay any brokerage. For example, buying ₹5,000 worth of TCS shares? You pay ₹0 in delivery charges.

Beginner-Friendly Interface: The app is very simple. No confusing buttons or technical terms. Easy for someone using an investment app for the first time. Think of it like ordering groceries online. Just search, tap, and confirm.

IPO Investment in 1 Click: You can apply for upcoming IPOs directly through the app, no paperwork or bank visits.  For example, want to invest in the LIC IPO? Just tap "Apply" and confirm the payment.

Live Portfolio Tracking: You can see your investments in real time and how much profit or loss you have. Just like checking your Paytm balance, but for your shares and funds.

Safe Login with Fingerprint or Face ID: No one can access your account without your fingerprint or face. An extra layer of protection. Even if someone takes your phone, they can’t open your Paytm Money app.

100% Paperless KYC: You don’t need to print or sign anything. Just upload documents and do Aadhaar-based e-KYC. The entire process takes 5-10 minutes on your phone.

How to Register and Open an Account on Paytm Money?

To avail all their feature, you need to register your account on this platform. It is better to register your account through the app. If you want to download, no need to go anywhere. Just download the app:

• Android: Go to Google Play Store > Search Paytm Money > Install
• iOS (iPhone): Open App Store > Search Paytm Money > Download

Opening an account is 100% online. Here's a simple step-by-step:

1. Open the Paytm Money.

2. Enter your Mobile number.

3. Enter the OTP sent to your mobile number.

4. Choose your email address.

5. Enter your name and last name.

6. Confirm your Date of Birth.

7. Now fill out all the personal information asked, and tap on confirm details.

8. Select the investing experience.

9. Select your annual income, and tap on proceed.

10. Select your bank details and tap on proceed.

11. Now take a quick selfie, and then proceed.

12. Done with your e-signature.

11. Activate your trading segment.

12. Check your auto-fetch bank statement, and then tap on the proceed button.

13. Tap on Proceed to CAMSfinserv.

14. Enter your OTP, and then confirm the button.

15. Link your account, then tap on the Proceed consent.

16. If you want to add a nomination, or if not, then tap on Opt-out nomination.

17. Tap on the Proceed to e-sign.

18. Enter the Aadhar card number, and tap on the send OTP.

19. Enter the OTP, then verify the OTP.

20. Tap on the Go back to homepage.

21. Now, set a new PIN  for your Paytm Money Account, and then tap on Proceed Security.

22. Confirm your new PIN for your  Paytm Money account, then tap on Proceed Security.

23. Now that you are with the registration and KYC process, your account will be under review, which will be approved within 2-3 working days.

Paytm Money Login Process

Once you’ve completed your Paytm Money registration, you can log in to your account online only (there’s no offline login or account access, as it's a fully digital platform). Here are the three ways to log in to your Paytm Money account:

Log in with Mobile Number (OTP Method)

This is the most common and easiest method.

1. Open the Paytm Money app or go to the website.
2. Click on the Sign In button.
3. Enter your registered mobile number.
4. Tap Proceed Securely.
5. Enter the OTP sent to your mobile.
6. Done! You're logged in.

Make sure you use the same number linked to your Paytm account

Login with Password

If you’ve set a password during registration, use this method.

1. Click on Sign In.
2. Select Login with Password.
3. Enter your registered mobile number or email.
4. Enter your account password.
5. Tap Sign In.

Useful if you're unable to receive OTP due to network issues

Log in with QR Code

This is a secure and fast method using your Paytm app.

1. Click on Sign In.
2. Choose Login with QR Code.
3. A QR code will appear on your screen.
4. Open your Paytm app on your phone.
5. Scan the QR using the scanner in the app.
6. You're in!

Best for desktop users who want to log in quickly without typing anything.

Charges of Paytm Money

Paytm Money follows a fixed, low-cost brokerage model. That means you only pay ₹20 or 0.05% per order, whichever is lower. The maximum brokerage per trade is ₹20, no surprises, no hidden fees. So, here is the Paytm Money brokerage Plan given below in the table:

Trading Segment	Brokerage Charges
Equity Future	INR 0.0,1, which is  up to INR 20 per Executed Order
Equity Option	INR 20 per order
Equity Intraday	INR 20 or 0.05% of turnover, whichever is lower
Equity Delivery	INR 20 or 2.5% of  turnover, whichever is lower

Other charges you should know. Apart from brokerage, Paytm Money charges some small additional fees:

Details	Charges
Auto square-off charges	INR 50
Platform Fees	INR 30 per month
Delayed Payment Charges	1.5% per month on the outstanding bill amount
Physical Statement and Document	INR 300 per request + INR 300 per courier
Payment gateway charges (UPI)	INR 0 for each fund addition (Free)
Payment gateway charges (Net banking)	INR 10 for each fund addition

Note: You may also pay standard government fees like GST, SEBI charges, stamp duty, and exchange transaction charges; these are common for all brokers.

Also, Check - What is Face Value of Share?

Customer Complaints Against Paytm Money

Even though Paytm Money is a popular investment platform, it has received some complaints over the years. These complaints are recorded by stock exchanges like NSE and BSE. The data helps us understand the service quality and reliability of the platform.

Exchange	Financial Year	Complaints	Number of Clients	Percent (%)
NSE	2020 - 21	6	85,827	0.01%
BSE	2021 - 22	18	103,182	0.02%
NSE	2020 - 22	74	404,376	0.02%
BSE	2020 - 23	47	240,904	0.02%
NSE	2020 - 23	238	646,387	0.04%
BSE	2020 - 24	78	346,480	0.02%
NSE	2020 - 24	188	797,157	0.02%
NSE	2020 - 25	20	735,825	0%

What Does This Mean?

• Most complaints are very low in percentage, staying around 0.01% to 0.04%.
• The numbers suggest that Paytm Money has relatively few service issues compared to its large user base.
• Still, users should be aware and use customer support channels if any problem arises.

Tip: Always check your transactions and documents carefully to avoid errors or delays.

Customer Care Number

So if you are facing a problem you can’t fix with the mentioned solution then you can easily contact Paytm Money customer support, you can contact the support team through the Paytm app to contact support by going to the Help & Support or you can also make a call to the customer care number at 01203888388 here you can resolve your issues.

Conclusion

In conclusion, Paytm Money is a simple and beginner-friendly platform to start investing in mutual funds, stocks, IPOs, and NPS. With low charges, no commission, and a fully digital process, it’s perfect for anyone getting started.