Place Your First Stock Order While Opening Your Account — Only on Paytm Money3 min read
No more waiting. No more delays. This is India’s one of the unique investing experience — brought to you by Paytm Money.
Traditionally, opening a demat account has been a slow and fragmented experience. Investors have to wait 1–2 days (sometimes more) after onboarding before they can place their first trade. But we’re changing that — starting from the very first step.
Directly place order during Onboarding — An Industry First
With Paytm Money’s new onboarding journey, you can now lock in your first trade on the same day you open your account.
Here’s how it works:
- Sign up and complete your KYC as usual.
- Add funds to your Paytm Money account — all within the same flow.
- Pick a stock from our curated list of performing stocks — tailored to your fund balance.
- Lock in your order — it’s automatically executed as soon as your demat account is exchange-activated.
All this happens seamlessly, within the same onboarding experience — smooth, intuitive, and built for momentum.
Why This Matters?
✅ Speed
Get to the market faster — your order is locked in instantly and executed without delay.
✅ Convenience
No need to return later to place your first trade. Do it all in one go.
✅ Smarter Choices
We offer expertly curated list of performing and widely followed stocks— helping new investors make informed, confident decisions.
Behind the Scenes: Design Thinking Meets Real-World Friction
“We designed this flow to reduce friction at a critical moment, it was about timing, psychology, and delivering just the right amount of choices at the right moment.”
— Rahul Darekar, Deputy Manager, Product Design
After onboarding, asking users to deposit funds is a critical and often fragile moment. To reduce friction for users and prevent drop-offs, we focused on lowering analysis-paralysis. We clearly communicated to users that they can:
- Allowed users to start with as little as ₹50
- Emphasized the ease of withdrawal anytime
We tested two different flows and found that asking users to deposit money first reduced drop-offs and helped us curate, shorter list of stocks for users to choose from. The result? A lower barrier to entry, improved user trust, and a major boost in activation and retention.
User Flow Snapshot
- E-sign Completion →
- Prompt to Add Funds →
- Curated Stock List Displayed →
- Stock Selected →
- Trade Locked + Success Timeline →
- Order auto-placed once exchange-activated
Figma Link (Design Specs): Figma Board →
Engineering It Right: Backend + Frontend Collaboration
“This was not just a front-end play. Every click was backed by robust systems and real-time integrations.”
— Veera Raghav, Director of Engineering
🔧 Backend Highlights:
- Robust Order Queuing: Orders are safely queued and auto-executed when the account is activated — ensuring accuracy and no data loss.
- Real-Time Exchange Integration: We built deep API integrations to track account activation and trigger trade execution precisely.
- Secure Transactions: Enhanced protocols ensure your funds and data are protected throughout the journey.
- Reconciliation Engine: We matched fund deposits to locked-in trades with precision to avoid any mismatch or delay.
- Microservices Architecture: Enabled scalable and modular deployment of key components.
“The goal was to make the first trade experience consistent and available from anywhere in the app.”
— Anish Benjamin, Senior Director Engineering
🖥️ Frontend Innovations:
- Unified the onboarding + trade experience across native apps, mini-apps, and hybrid KYC flows.
- Enabled trade resumption from any app entry point — homepage, stock page, or onboarding flow.
- Delivered a frictionless first-trade experience regardless of how users discovered Paytm Money.
📊 Real-World Impact: What Changed?
Since launching this experience, we’ve seen:
- 55% increase in first trades from new users*
- Higher account activation rates
- Stronger retention, as users now experience the power of trading upfront
- Faster adoption of the Paytm Money app as users get immediate value
🤝 Built Together, Built for the User
This was a true cross-functional effort — combining the strengths of design, engineering, product, and analytics teams across multiple sprints.
And we’re just getting started.
💬 Help Us Shape What’s Next
This is just one step toward a more seamless investing journey. Have ideas to improve the experience? Drop them in the comments or DM us — we’d love to hear from you.
Let’s build the future of intuitive investing together.
Saurabh Antapurkar
Director, Product
Paytm Money
