IPOs on the Go: Invest from Your Phone in 2025
Gone are the days of paperwork, physical forms, and bank visits. In 2025, you can apply for IPOs in under 5 minutes — right from your smartphone. Whether you're eyeing the next big unicorn or government-backed offer, here’s how to do it.
Step-by-Step: How to Apply for an IPO from Your Phone
Step 1: Open a Demat + Trading Account
Use trusted apps like Zerodha, Groww, Upstox, or Paytm Money.
Complete online KYC using PAN, Aadhaar, and selfie verification.
Link your bank account.
Step 2: Choose the IPO
Visit the IPO section of your app.
Check dates, price band, lot size, and company details.
Step 3: Place Your Bid
Enter quantity (in lots) and price (within band or cut-off).
Use UPI ID (linked to your bank app like PhonePe, GPay, or BHIM).
Step 4: Approve the Mandate
Open your UPI app → Approve the payment block (no money is deducted unless you’re allotted).
This holds the amount in your bank until allotment results.
Step 5: Check Allotment Status
IPO allotments usually happen 2–3 days after the closing.
If allotted, shares are credited to your Demat; if not, funds are unblocked.
Is It Safe to Invest via Mobile?
Yes! SEBI-approved platforms and UPI-mandate ensure:
End-to-end encryption
No money deducted until allotment
Full transparency via NSE/BSE records
Vizzve Finance Quick Tips
✅ Apply early on Day 1 for smoother UPI flow
✅ Use UPI from a bank account with sufficient balance
✅ Read RHP (Red Herring Prospectus) if you're serious
✅ Avoid applying through multiple UPI IDs — it can get rejected
Table: Top IPO Apps in India (2025)
| App | Demat Opening Time | IPO Access | UPI Integration |
|---|---|---|---|
| Zerodha | Within 24 hrs | ✅ | ✅ |
| Groww | Instant | ✅ | ✅ |
| Upstox | 24–48 hrs | ✅ | ✅ |
| Paytm Money | Instant | ✅ | ✅ |
FAQs
Q1: Can I apply for an IPO without a Demat account?
A: No. A Demat account is mandatory to receive shares if you get allotment.
Q2: Do I need a high credit score to invest in IPOs?
A: No. IPO investments are equity-based and don’t require credit scores or loans.
Q3: Is there a minimum amount required?
A: Yes. Most IPOs require one lot (₹14,000–₹15,000 average in 2025).
Published on : 25th July
Published by : SMITA
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