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Your share locker. The broker is only the key, not the locker.

Available only to someone holding a single demat account as sole or first holder, so it is not a way to make a spare second account cheap. The thresholds have been revised more than once, so check the current ones.

The most useful document most Indian investors have never opened. It finds the folios you forgot.

Actually owning the shares, rather than betting on a same-day move.

Charged per stock per day, not per share. It punishes small and fragmented positions hardest.

Separates real buying from intraday churn. An 8% move on 12% delivery means almost nobody wanted to own it.

It has real value. Letting it lapse dilutes you and pays you nothing.

Start an annual review from the statements, not from memory — memory omits exactly what is worth finding.

In broking, prefer the narrower DDPI, which permits debits only for settlement, over a broad POA. In family finance, know the limit: Indian agency law treats an agent’s authority as ending if the person who granted it becomes of unsound mind, so an ordinary POA is generally understood not to survive the loss of mental capacity — the very case families buy one for.

Brought in after brokers were found misusing client securities, so the protection is real. The cost is that releasing the pledge before a sale is now your operational problem — an unreleased pledge is a short delivery even though the shares are visibly in your account.

The simplest of the three routes abroad. Liquidity can be thin, and the price sometimes trades at a noticeable premium to what it holds.

The absolute figure behind delivery percentage. Read it against its own recent average, because the percentage moves whenever turnover moves.