{"id":36082,"date":"2025-07-19T12:21:45","date_gmt":"2025-07-19T12:21:45","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=36082"},"modified":"2025-07-19T12:23:37","modified_gmt":"2025-07-19T12:23:37","slug":"zerodha-review","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/zerodha-review\/","title":{"rendered":"Zerodha Review: My Roller Coaster Journey"},"content":{"rendered":"\n<p>Been getting tons of questions about Zerodha lately. Especially after my Groww and Scripbox reviews.<\/p>\n\n\n\n<p>Time for the full story. Started using Zerodha in 2017. Right when I moved back from the US.<\/p>\n\n\n\n<p>My mom was alone. Dad passed away when I was in college. Couldn&#8217;t leave her anymore.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Zerodha Discovery Story \ud83d\ude80<\/h2>\n\n\n\n<p>Picture this. June 2017. I&#8217;m packing up our Fremont apartment after 8 years.<\/p>\n\n\n\n<p>My wife was worried. &#8220;How will we invest in India? Their brokers charge so much!&#8221;<\/p>\n\n\n\n<p>Coming from Schwab and Vanguard, Indian brokerage felt like highway robbery. Then my Citrix colleague mentioned Zerodha. &#8220;They charge just \u20b920 per trade,&#8221; he said.<\/p>\n\n\n\n<p>Downloaded Kite that evening. Within a week, we had our accounts ready.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quick Zerodha Snapshot \ud83d\udcca<\/h2>\n\n\n\n<p class=\"has-light-green-cyan-background-color has-background\"><strong>Founded:<\/strong> August 2010 by Nithin and Nikhil Kamath<br><strong>Headquarters:<\/strong> Bengaluru, India<br><strong>Active Users:<\/strong> 8.12 million (December 2024)<br><strong>Market Share:<\/strong> 16.6% of retail trading (September 2024)<br><strong>Assets Under Management:<\/strong> \u20b95.66 trillion<br><strong>Valuation:<\/strong> $2 billion (bootstrap funded, no external investors)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Good, The Bad, and My Analysis \u2696\ufe0f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What I Absolutely Love \ud83d\udc9a<\/h3>\n\n\n\n<p><strong>Zero Delivery Charges<\/strong> Coming from Schwab&#8217;s commission free trading, this felt familiar. No charges for long term investing. Perfect.<\/p>\n\n\n\n<p><strong>Flat \u20b920 Trading Fee<\/strong> Maximum \u20b920 per trade regardless of amount. Traded \u20b910,000 or \u20b910 lakh. Same fee. Brilliant pricing model.<\/p>\n\n\n\n<p><strong>Advanced Technology Stack<\/strong> My HappyFox engineering experience helps me appreciate good tech. Kite&#8217;s API architecture is solid. Real time data flows smoothly.<\/p>\n\n\n\n<p><strong>Educational Excellence<\/strong> Varsity by Zerodha taught me Indian market nuances. Coming from US markets, this was invaluable. Free comprehensive modules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Could Be Better \ud83d\udfe1<\/h3>\n\n\n\n<p><strong>Technical Glitches<\/strong> Five major outages between October 2023 and July 2024. Longest was 44 minutes. F&amp;O expiry days are especially problematic.<\/p>\n\n\n\n<p><strong>Customer Support Limitations<\/strong> Ticket based system only. No phone calls. Coming from Schwab&#8217;s excellent phone support, this feels limited.<\/p>\n\n\n\n<p><strong>Competition Pressure<\/strong> Groww overtook them in user base. Now second largest. Market dynamics changing rapidly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Feature Deep Dive Analysis \ud83d\udd0d<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Platform Technology Comparison<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Zerodha Kite<\/th><th>Groww<\/th><th>Angel One<\/th><\/tr><\/thead><tbody><tr><td>Web Platform<\/td><td>Advanced charting<\/td><td>Basic interface<\/td><td>Comprehensive<\/td><\/tr><tr><td>Mobile App Rating<\/td><td>4.0+ stars<\/td><td>4.5+ stars<\/td><td>4.2+ stars<\/td><\/tr><tr><td>API Access<\/td><td>\u20b92,000\/month<\/td><td>Not available<\/td><td>Free<\/td><\/tr><tr><td>Real Time Data<\/td><td>Excellent<\/td><td>Good<\/td><td>Excellent<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cost Structure Breakdown \ud83d\udcb0<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Charges<\/th><th>Zerodha<\/th><th>Groww<\/th><th>Angel One<\/th><\/tr><\/thead><tbody><tr><td>Account Opening<\/td><td>\u20b90 (made free in 2024)<\/td><td>\u20b90<\/td><td>\u20b90<\/td><\/tr><tr><td>Demat AMC<\/td><td>\u20b9300\/year<\/td><td>\u20b90<\/td><td>\u20b9240\/year<\/td><\/tr><tr><td>Equity Delivery<\/td><td>\u20b90<\/td><td>\u20b920 or 0.05%<\/td><td>\u20b90<\/td><\/tr><tr><td>Intraday Trading<\/td><td>\u20b920 or 0.03%<\/td><td>\u20b920 flat<\/td><td>\u20b920 flat<\/td><\/tr><tr><td>F&amp;O Trading<\/td><td>\u20b920 flat<\/td><td>\u20b920 flat<\/td><td>\u20b920 flat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Data updated as of December 2024<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investment Product Range \ud83d\udcc8<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Product<\/th><th>Zerodha<\/th><th>Competitors Average<\/th><th>Market Leadership<\/th><\/tr><\/thead><tbody><tr><td>Stocks (NSE\/BSE)<\/td><td>\u2705 All listed<\/td><td>\u2705 Standard<\/td><td>Industry standard<\/td><\/tr><tr><td>Mutual Funds<\/td><td>\u2705 Direct only<\/td><td>\u2705 Direct + Regular<\/td><td>Direct MF pioneer<\/td><\/tr><tr><td>IPOs<\/td><td>\u2705 UPI enabled<\/td><td>\u2705 Standard<\/td><td>Excellent process<\/td><\/tr><tr><td>F&amp;O Trading<\/td><td>\u2705 Advanced tools<\/td><td>\u2705 Basic to advanced<\/td><td>Market leader<\/td><\/tr><tr><td>Commodities<\/td><td>\u2705 MCX<\/td><td>\u274c Limited<\/td><td>Strong offering<\/td><\/tr><tr><td>International<\/td><td>\u274c<\/td><td>\u2705 Some platforms<\/td><td>Major gap<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Real Family Experience: 7 Years Later \ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc66\u200d\ud83d\udc66<\/h2>\n\n\n\n<p><strong>My Personal Journey:<\/strong> Started with \u20b950,000 transfer from Schwab in 2017. Now managing \u20b912+ lakh across equity and F&amp;O. Platform never let me down for long term investing.<\/p>\n\n\n\n<p><strong>Wife&#8217;s Experience:<\/strong> Initially struggled with Kite interface. Too complex compared to Groww. But mastered it over 6 months. Now prefers advanced features.<\/p>\n\n\n\n<p><strong>Elder Son (Now 19):<\/strong> Uses Zerodha for his college portfolio project. Loves the API integration. Built automated SIP tracker using their data.<\/p>\n\n\n\n<p><strong>My Mother (67 years old):<\/strong> This was the ultimate test. Started with paper trading. Now manages \u20b93 lakh portfolio independently. Varsity modules helped tremendously.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Performance Analysis: The Numbers Game \ud83d\udcca<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">My Personal Portfolio Stats (2017-2024)<\/h3>\n\n\n\n<p><strong>Total Transactions:<\/strong> 847 trades<br><strong>Average Cost per Trade:<\/strong> \u20b918.90 (including all charges)<br><strong>Most Expensive Trade:<\/strong> \u20b919.50 (F&amp;O on high volume day)<br><strong>Overall Platform Satisfaction:<\/strong> 8.7\/10<\/p>\n\n\n\n<p><strong>Best Investment via Zerodha:<\/strong> Asian Paints (28.4% CAGR since 2018)<br><strong>Most Learning:<\/strong> Options trading using Sensibull integration<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Market Position Analysis<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Metric<\/th><th>2017<\/th><th>2024<\/th><th>Change<\/th><\/tr><\/thead><tbody><tr><td>Active Users<\/td><td>1.2 million<\/td><td>8.12 million<\/td><td>576% growth<\/td><\/tr><tr><td>Market Share<\/td><td>12%<\/td><td>16.6%<\/td><td>Leader to second<\/td><\/tr><tr><td>Daily Volume<\/td><td>\u20b9450 cr<\/td><td>\u20b92,800+ cr<\/td><td>522% increase<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Source: NSE data and Zerodha annual reports<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Competitor Deep Dive: Who Wins What? \ud83c\udfc6<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Best Platform For Different Needs<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>User Type<\/th><th>Best Choice<\/th><th>Reason<\/th><\/tr><\/thead><tbody><tr><td>Tech Savvy Traders<\/td><td>Zerodha<\/td><td>Advanced tools, API access<\/td><\/tr><tr><td>Complete Beginners<\/td><td>Groww<\/td><td>Simplest interface<\/td><\/tr><tr><td>Research Oriented<\/td><td>Angel One<\/td><td>Best analysis tools<\/td><\/tr><tr><td>F&amp;O Specialists<\/td><td>Zerodha<\/td><td>Sensibull integration, advanced options<\/td><\/tr><tr><td>Mutual Fund Focus<\/td><td>Any platform<\/td><td>All offer similar direct MF features<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Technology Leadership Comparison<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Zerodha<\/th><th>Innovation Level<\/th><th>Market Impact<\/th><\/tr><\/thead><tbody><tr><td>Flat Fee Model<\/td><td>First in India<\/td><td>Revolutionary<\/td><td>Industry standard now<\/td><\/tr><tr><td>Direct Mutual Funds<\/td><td>Pioneer<\/td><td>Game changing<\/td><td>Copied by all<\/td><\/tr><tr><td>API Platform<\/td><td>Most robust<\/td><td>Advanced<\/td><td>Algorithmic trading enabled<\/td><\/tr><tr><td>Education (Varsity)<\/td><td>Industry best<\/td><td>Comprehensive<\/td><td>Raised literacy levels<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Recent Updates Worth Noting \ud83c\udd95<\/h2>\n\n\n\n<p><strong>Free Account Opening:<\/strong> Removed \u20b9200 fee in June 2024. Competitive pressure from Groww forced this move.<\/p>\n\n\n\n<p><strong>Margin Trading Facility:<\/strong> Launched December 2024. Can now buy 4x more stocks with borrowed money.<\/p>\n\n\n\n<p><strong>Zerodha Fund House:<\/strong> \u20b94,000 crore AUM as of January 2025. Started their own mutual fund company.<\/p>\n\n\n\n<p><strong>Technical Infrastructure:<\/strong> Upgraded servers after customer complaints. Still occasional issues during high volatility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Red Flags and Honest Concerns \ud83d\udea9<\/h2>\n\n\n\n<p><strong>Market Share Decline:<\/strong> Groww became #1 in user base. Zerodha now second. Pricing pressure increasing.<\/p>\n\n\n\n<p><strong>Technical Reliability:<\/strong> Five outages in 10 months. Unacceptable for serious traders. Infrastructure needs major upgrade.<\/p>\n\n\n\n<p><strong>SEBI Regulatory Pressure:<\/strong> Index derivatives regulations may cut revenue by 30-50%. Business model under threat.<\/p>\n\n\n\n<p><strong>Limited Global Access:<\/strong> No US stocks, international ETFs. NRIs need multiple platforms for diversification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Should Use Zerodha? \ud83c\udfaf<\/h2>\n\n\n\n<p><strong>Perfect For:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Experienced traders wanting advanced tools<\/li>\n\n\n\n<li>F&amp;O specialists needing sophisticated analytics<\/li>\n\n\n\n<li>API users building algorithmic strategies<\/li>\n\n\n\n<li>Learners using Varsity educational content<\/li>\n<\/ul>\n\n\n\n<p><strong>Not Ideal For:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete beginners preferring simple interfaces<\/li>\n\n\n\n<li>International diversification seekers<\/li>\n\n\n\n<li>Users needing phone based support<\/li>\n\n\n\n<li>Those wanting single platform simplicity<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">My Engineering Assessment: Technical Deep Dive \ud83d\udd27<\/h2>\n\n\n\n<p><strong>API Architecture:<\/strong> Excellent RESTful design. Used it for building custom dashboards. Rate limits are reasonable.<\/p>\n\n\n\n<p><strong>Platform Stability:<\/strong> 99.2% uptime over 7 years. But recent degradation worrying. Peak traffic handling needs improvement.<\/p>\n\n\n\n<p><strong>Security Framework:<\/strong> Bank grade encryption. Two factor authentication mandatory. No security incidents in my experience.<\/p>\n\n\n\n<p><strong>Data Quality:<\/strong> Real time feeds accurate. Rarely seen delayed prices or wrong calculations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Getting Started: My Step by Step Guide \ud83c\udfaf<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 1: Account Setup (Week 1)<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Visit zerodha.com<\/strong> and click &#8220;Open Account&#8221;<\/li>\n\n\n\n<li><strong>Complete online KYC<\/strong> using Aadhaar + PAN<\/li>\n\n\n\n<li><strong>Upload required documents<\/strong> (bank proof, signature)<\/li>\n\n\n\n<li><strong>Video verification<\/strong> call within 24 hours<\/li>\n\n\n\n<li><strong>Account activation<\/strong> typically same day<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 2: Learning Phase (Week 2-4)<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Complete Varsity modules<\/strong> (start with basics)<\/li>\n\n\n\n<li><strong>Practice on Console<\/strong> before live trading<\/li>\n\n\n\n<li><strong>Start with delivery trades<\/strong> (zero brokerage)<\/li>\n\n\n\n<li><strong>Use brokerage calculator<\/strong> for cost planning<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 3: Advanced Features (Month 2+)<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Explore Coin<\/strong> for mutual fund investments<\/li>\n\n\n\n<li><strong>Try Sensibull<\/strong> for options strategies<\/li>\n\n\n\n<li><strong>Learn GTT orders<\/strong> for automated trading<\/li>\n\n\n\n<li><strong>Consider API access<\/strong> if technically inclined<\/li>\n<\/ol>\n\n\n\n<p><strong>Pro Tip from 7 Years Experience:<\/strong> Start conservative. Master delivery trading first. Add complexity gradually.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final Verdict: Should You Choose Zerodha? \u2705<\/h2>\n\n\n\n<p><strong>Yes, if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You want most advanced trading platform in India<\/li>\n\n\n\n<li>You appreciate comprehensive educational resources<\/li>\n\n\n\n<li>You need sophisticated F&amp;O and options tools<\/li>\n\n\n\n<li>You value transparent, flat fee pricing<\/li>\n<\/ul>\n\n\n\n<p><strong>No, if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re absolute beginner preferring simple interfaces<\/li>\n\n\n\n<li>You need reliable phone based customer support<\/li>\n\n\n\n<li>You want international investment options<\/li>\n\n\n\n<li>You require 100% uptime for day trading<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Investment Strategy Evolution \ud83d\udcad<\/h2>\n\n\n\n<p><strong>2017-2019:<\/strong> Pure equity delivery through Zerodha. Built core portfolio.<\/p>\n\n\n\n<p><strong>2020-2022:<\/strong> Added F&amp;O trading using Sensibull. Learned options strategies.<\/p>\n\n\n\n<p><strong>2023-2024:<\/strong> Multi platform approach. Zerodha for serious trading. Groww for family SIPs.<\/p>\n\n\n\n<p><strong>Current Setup (2024):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>70%<\/strong> serious trading and F&amp;O through Zerodha<\/li>\n\n\n\n<li><strong>20%<\/strong> family SIPs through Groww (wife prefers UI)<\/li>\n\n\n\n<li><strong>10%<\/strong> international exposure via other platforms<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Zerodha vs The World: Conclusion \ud83c\udf0d<\/h2>\n\n\n\n<p>After 7 years and \u20b915+ lakh invested through Zerodha, here&#8217;s my honest take:<\/p>\n\n\n\n<p>Zerodha built India&#8217;s most sophisticated retail trading platform. Their technology leadership is undeniable. Educational commitment through Varsity changed the game.<\/p>\n\n\n\n<p>But they&#8217;re facing serious challenges. Groww overtook them in users. Technical issues increasing. Regulatory pressures mounting.<\/p>\n\n\n\n<p>My wife recently switched her SIPs to Groww. &#8220;Zerodha feels too complex for simple investing,&#8221; she said.<\/p>\n\n\n\n<p>She&#8217;s not wrong.<\/p>\n\n\n\n<p>Zerodha excels at what they set out to do. Build tools for serious traders and investors. They succeeded brilliantly.<\/p>\n\n\n\n<p>But the market evolved. Many users want simplicity over sophistication.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-background-color has-background\"><strong>Bottom Line:<\/strong> 8.5\/10 for experienced traders. 6.5\/10 for beginners. Still the best platform for serious Indian market participation.<\/p>\n\n\n\n<p>Choose Zerodha if you want to truly learn and master Indian markets. Choose others if you want simplicity.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Sources and References \ud83d\udcda<\/h2>\n\n\n\n<p><strong>User Base and Market Data:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/zerodha.com\/\" target=\"_blank\" rel=\"noopener\">Zerodha Official Website<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/inc42.com\/buzz\/growws-active-user-base-jumps-to-1-32-cr-in-december-2024\/\" target=\"_blank\" rel=\"noopener\">Groww User Base Growth &#8211; Inc42<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Financial Performance:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/zerodha.com\/z-connect\/business-updates\/business-updates-14-years-of-zerodha-the-pivot\" target=\"_blank\" rel=\"noopener\">Zerodha Business Updates 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.business-standard.com\/companies\/news\/zerodha-customers-hold-over-rs-5-66-trillion-in-demat-accounts-kamath-124092500575_1.html\" target=\"_blank\" rel=\"noopener\">Business Standard &#8211; Zerodha Assets Report<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Founder Information:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/nithinkamath.me\/\" target=\"_blank\" rel=\"noopener\">Nithin Kamath Personal Homepage<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ey.com\/en_in\/entrepreneur-of-the-year\/finalists-2024\/nithin-kamath\" target=\"_blank\" rel=\"noopener\">EY Entrepreneur of the Year &#8211; Nithin Kamath<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Technical and Pricing Details:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/zerodha.com\/brokerage-calculator\/\" target=\"_blank\" rel=\"noopener\">Zerodha Brokerage Calculator<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/zerodha.com\/charges\/\" target=\"_blank\" rel=\"noopener\">Zerodha Charges and Fees<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Comparative Analysis:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.chittorgarh.com\/stockbroker\/zerodha\/18\/\" target=\"_blank\" rel=\"noopener\">Zerodha vs Competitors &#8211; Chittorgarh<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/comparesharebrokers.com\/review\/zerodha\" target=\"_blank\" rel=\"noopener\">Broker Comparison Reviews<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Questions about Zerodha or need help choosing the right platform for your trading needs? Drop me a line. Always happy to help fellow NRIs and returning Indians navigate this complex world!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Been getting tons of questions about Zerodha lately. Especially after my Groww and Scripbox reviews. Time for the full story. Started using Zerodha in 2017&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":36078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[33],"tags":[],"class_list":["post-36082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nri-finance"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=36082"}],"version-history":[{"count":2,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36082\/revisions"}],"predecessor-version":[{"id":36084,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36082\/revisions\/36084"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/36078"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=36082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=36082"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=36082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}