Joint Demat & Trading Account – FAQs

Joint Demat & Trading Account – How It Works

How two or three people can jointly hold securities and trade through one account with ATS — holders, KYC, documents and the opening process.

A Joint Demat & Trading Account allows two or more individuals to jointly hold securities and trade in the stock market through a single account. You can add up to three holders, and every holder must complete KYC. Ready to begin? Open an account or read our beginner guide to opening a demat account.

Who can be a holder

Primary Holder — the main account holder whose name appears first; most communications and account activity go through them.
Second & Third Holder (third is optional) — can be a spouse, parent, child, sibling, relative, friend, or any eligible individual who completes KYC.
Spouses (husband and wife) and family members can jointly open an account.

Documents required (for every holder)

PAN card
Aadhaar card or other valid identity proof
Address proof
Passport-size photograph
Bank proof (cancelled cheque or bank statement)
Income proof (for F&O activation, if applicable)

KYC & IPV for all holdersAll holders must complete KYC, and In-Person Verification (IPV) may be required as per SEBI and KYC regulations. Most of the process can be completed online.

What you can do with a joint account

Apply for IPOs through the registered demat account, subject to regulatory guidelines.
Invest in mutual funds and SIPs.
Trade Equity, F&O and Commodities once the segments are activated and eligibility is met.
Tender shares in a buyback if eligibility criteria are satisfied.

How to open a joint account with ATS

Complete the online account opening application.
Submit KYC documents for all holders.
Complete IPV or e-KYC verification (if applicable).
Link the bank account (in the name of the account holder(s)).
Review and e-sign the application.
Your demat & trading account is activated after successful verification.

There is generally no minimum balance to open the account, though funds are needed to trade. Note that existing holders cannot simply be replaced — any change follows the prescribed process. Consider registering a nominee and reviewing our account security tips.

Explore more ATS help topics

Demat Account FAQs — CDSL demat services — holdings, DIS, CMR, transfers, statements and re-KYC.
Brokerage & Demat Charges — Brokerage, DP charges, AMC, STT, GST and every trading cost, explained.
Margin Trading & Pledge — MTF, pledging shares for margin, haircuts, and margin-shortfall penalties.
Tax on Stock Trading — STCG, LTCG, STT, intraday & F&O taxation, and downloading your tax P&L.
Corporate Actions — Dividends, bonus, splits, rights and buybacks — how they hit your demat.
Buyback of Shares — How share buybacks work, eligibility, and tendering shares through ATS.
Mutual Funds & SIP — Start SIPs, invest in mutual funds, redeem, switch and track your folios.
Nomination for Demat Account — Add, change or opt out of a nominee, and transmission of holdings.
Account Closure & Reactivation — Close, reactivate or modify your account — dues, KYC and dormant accounts.
Account Security & Fraud Prevention — Two-factor login, phishing, safe passwords and reporting unauthorised trades.
Grievance Redressal — Raise a complaint, the escalation ladder, SEBI SCORES and Smart ODR.
NRI Trading Account — NRE/NRO, PIS, repatriation and NRI demat & trading account rules.
Trading Platform & App Support — Login, orders, charts, reports and troubleshooting on the ATS apps.
Refer & Earn / Partner Program — Refer friends, earn rewards and become an ATS authorised partner.

Frequently Asked Questions

A Joint Demat & Trading Account allows two or more individuals to jointly hold securities and trade in the stock market through a single account.

Yes. Two individuals can open a Joint Demat & Trading Account with ATS Share Brokers, subject to successful KYC verification and submission of the required documents.

A joint demat account can have up to three holders — a Primary Holder, a Second Holder, and an optional Third Holder.

The Primary Holder is the main account holder whose name appears first in the account records. Most communications and account-related activities are handled through the Primary Holder.

The second and third holders can be a spouse, parent, child, sibling, relative, friend, or any eligible individual who fulfils the KYC requirements.

Yes. All holders must complete the KYC process and submit the required identity and address proof documents.

For all holders: PAN card, Aadhaar or other valid identity proof, address proof, passport-size photograph, bank proof (cancelled cheque or bank statement), and income proof for F&O activation, if applicable.

Yes. Joint account holders can apply for IPOs through their registered demat account, subject to applicable regulatory guidelines.

Yes. Eligible mutual fund investments can be made through a Joint Demat & Trading Account.

Yes. Eligible market segments can be activated after completing the required documentation and meeting regulatory eligibility criteria.

No. Existing holders cannot simply be replaced. Any change in account holders is subject to applicable regulations and may require opening a new account or following the prescribed modification process.

No. There is generally no minimum balance required to open a Joint Demat & Trading Account, though sufficient funds are needed for trading and investments.

Yes. IPV may be required as per SEBI and KYC regulations, though most of the account opening process can be completed online.

Complete the online application, submit KYC documents for all holders, complete IPV or e-KYC (if applicable), link the bank account, and review and e-sign. The account is activated after successful verification.