Understand motorcycle gearing in detail and the right way to do it

One of the most daunting sides of learning to ride a bike is how to shift gears. The same can add layers of complications for those who have zero experience with riding a motorcycle. But, there is nothing to fear. You can excel the task with practice and soon shifting gears will become much more straightforward than it looks.

The Basics of Motorcycle Gears

When shifting gear on a motorcycle, there are three basic controls that you have to pay attention to-the clutch, the throttle, and the gear selector. The throttle powers the engine, the clutch connects and disconnects the transmission, and the gear selector selects the gear. If you pull the clutch towards your left-hand side, then you can rev the motor without even moving the motorcycle forward. However, when you release the clutch while the transmission is "in gear" (i.e., not in neutral) the bike will move forward.

You can select the gear pattern by clicking a lever with your left foot. The gear patterns are laid as follows-
5th gear, 4th gear, 3rd gear, 2nd gear, NEUTRAL, and 1st gear

Here are a few tips for a smooth shift-

Squeeze the clutch lever thoroughly with your left hand to disengage the clutch
Use the gear shift lever to select the appropriate gear
Roll on the throttle by twisting your wrist slightly toward you (starting from a flat wrist position)
Steadily release the clutch lever with your left hand while smoothly and gradually rolling on your throttle with your right side, accelerating the bike
Release the clutch entirely and accelerate in accordance with your engine speed. Then repeat the entire process to shift to another gear.

The procedure of shifting gear on a motorcycle is as easy as those five steps. But doing the same correctly requires a great deal of practice. Know your bike and its gear inside and out, and learn how they work. Make sure you practice riding every day so that you can excel with the same. Pick up an environment like an abandoned parking lot for your practice sessions. By doing that, you don’t have to deal with traffic or other distractions. Above all, stay safe and aware during the learning process so that you can focus on the task at hand.

With practice, you will probably find that shifting a gear more comfortable than it sounds. Once you understand where and how the clutch disengages, how much throttle is necessary for smooth acceleration, and how much power the shifter needs, the whole course will become smooth and will require less concentration.

Closing guidelines-

Practice, Practice, Practice! Your clutch lever is your best buddy. If you accelerate too abruptly, or you are just not comfortable with your practice, squeeze and hold the clutch lever completely to disengage the power from the engine to the rear wheel. Listen to your motorcycle as it will let you know when it is the time to shift. Nevertheless always wear your safety gear and keep your bike insured with a comprehensive two wheeler insurance policy. A two wheeler insurance policy
protects you against the financial losses that could occur due to unforeseen accidents.

What Should You Know If You are Opening a Demat Account for the First Time

A dematerialization account is similar to a regular bank account. However, the former
account holds your securities, such as shares, debentures, and bonds instead of money.
Before you invest in the stock market, it is mandatory to open a dematerialization account.
If you are opening a dematerialization account for the first time you may have several
questions. Here is a brief guide on such accounts.

What is demat account and when is it needed?
A dematerialization or demat account is an electronic account that is used to hold your investments in different types of securities. This account eliminates the need to hold these securities in a physical form. Every individual who wants to invest in the stock markets must open this account with a registered depository participant (DP).
What are depositories and DPs?
Depositories are agencies that electronically hold your securities and enable various transactions. There are two Securities and Exchange Board of India (SEBI)-registered depositories. These are the Central Depository Services (India) Limited (CDSL) and National Securities Depository Limited (NSDL). The DPs are agents between the investors and the depositories. To avail of the services of a depository, you need to open an account with a DP. You may hold all your different securities in this account.
What are the benefits of a demat account?
Having a demat account online has many advantages. Here are some benefits of such an account.
- All your securities and shares are securely held
- Elimination of stamp duty on the physical certificates reduces the transaction costs
- Quick and convenient settlement, which eliminates delays.
- Less paperwork associated with transfer of physical securities.
- No risks of theft, loss, damage, non-delivery, or fake certificates.
- Even a single unit of the security may be bought and sold.
What are the fees payable on a demat account?
Majority of the DPs do not levy any charges when you open such an account. Some DPs may charge refundable opening charges and a few may levy fixed fees to open an account. In addition, you need to pay charges, such as transaction fee and an annual maintenance fee. When you convert your physical certificates into a dematerialized form, you will have to pay conversion charges.
How to open a demat account?
You may choose to open an account with any SEBI-registered DP. Most financial institutions in India provide such services. Once you choose the DP, you need to fill an application form and submit the required documents, such as Permanent Account Number (PAN) card, address proof, and identity proof. A representative will complete a physical verification, after which you would receive the account number. You may, then, use your account to transact and invest in different securities.

A dematerialization account takes around one to two weeks to open. You may open multiple accounts with the same or different DPs. There is no requirement to hold a minimum number of securities in this type of an account. You need to have a demat and trading account to start investing.

Best 5 Amusement Parks Around The World To Travel

If you want to relive your childhood and fill your soul with the essence of fun and adventures, then you should visit an amusement park. Treat yourself with the beauty of nature and wildlife while enjoying the experience of water sports, shopping, and much more. Several amusement parks in the world strike the perfect balance between entertainment, fun, thrills, luxury, and food, making them the right choice for one and all on holiday.

From dangling over a cliff in Hong Kong to taking a dodgy roller coaster ride in Sudan, checking out theme parks on vacations is one of the coolest things to do overseas. If you are looking forward to having this really cool experience, then you should go through the list of the best amusement parks mentioned below-

Disney’s Hollywood Studios, Orlando, Florida Disney’s Hollywood Studios draws its inspiration from the classic movies of the 1930’s and 40’s of Hollywood. It is considered one of the best amusement parks in the world with six theme areas including Streets of America, Animation courtyard, Toy Story land, Hollywood Boulevard, Echo Lake, and Pixar Place. All these sets offer spectacular experiences, making your trip grandeur. You can see spectacular stage shows, 3-D motion-simulated space flight, glimpses of the Magic Kingdom along with fantastic dining experiences.
Universal Studios, Orlando, Florida An international attraction, the Universal Studios, Orlando, Florida will take you on a jaw-dropping, adventurous spree. It includes two theme parks—Universal Studios Florida and Universal’s Islands of Adventure. From E.T. to The Simpsons, Universal has amazingly created immersive thrill experiences coupled with the world’s most beloved entertainment franchises. Recently, the park got the Wizarding World of Harry Potter, which attracts its fans from worldwide. Both the movie and novel fans get awestruck as the fantasy comes to life. You can stop by Ollivanders wand shop and try a new wand, or you can grab a refreshing pint of Butterbeer at The Three Broomsticks pub.
Tivoli Gardens, Denmark One of the oldest operating amusement parks in the world- Tivoli Gardens has welcomed thrill seekers since 1843. With an outstanding fusion of vintage theme park attractions and cutting-edge thrills, this lively park is famous among both locals and tourists. The park’s original coaster, Rutschebanen remains the best coaster in the park with a track that weaves in and around the mountainside. Apart from Rutschebanen, other attractions include theatre, band stands, restaurants, cafes, flower gardens, and amusement rides.
Europa Park, Germany Europa Park in Germany is one of the best amusement parks for kids and families. The beauty of this park will take you on a virtual journey of the universe. Europa Park is spread across a massive area of 200-acre. This park offers roller coaster rides through pirates, cannibals, haunted houses, fairyland, water rides, and everything beyond your imagination.
Cedar Point, Cleveland, USA If you are a roller coaster junkie and love that lurching, sinking feeling in the pit of your belly, then Cedar Point is the perfect place for you. Known as the roller coaster capital of the world, Cedar Point has a range of 18 coasters that ensures you’re riding all day. Moreover, Millennium Force is the most impressive of the pack, thanks to its distinct structure and craftsmanship.

If you are planning to visit any of these places anytime soon, then you should definitely secure your trip with a comprehensive travel insurance policy. No one likes to face troubles and unforeseen circumstances while they are holidaying. At this time, a travel insurance plan will come handy to you. A travel insurance plan is your best buddy when you are flying aboard. It takes cares of everything – from lost checked-in baggage to lost passport. So what are you waiting for? Pack your bags and get going!

Retail Therapy

It’s a month or so before Diwali and I have been eagerly waiting for the big online sales. They give me the perfect chance to buy gifts for my beloved family (as its cheaper). And also to buy some of my own “important” items like a new phone (which won’t really give me anything new), a hard disk (that will be used to store crap I barely ever use), Bluetooth earphones (as I have convinced myself that this is what will make me go for a workout) and so on.

So the countdown will start a week or so in advance. As always I will first search for the items and save them in my wishlist, but then again go through all the lists before actually buying anything. And by the end of it all, after the items are all delivered, I will get the credit card bill. This is where the thought comes, the one that feels like the fall after a high. The one that says, did you really need all the rubbish you just bought. Where the adult in me will tell “You didn’t save Rs20,000 but in reality you have spent Rs70,000”. And so the promise will be made that the next time, only essential things will be bought. Of course we all know this promise will be kept. Because the next time again I will convince myself that all the things I need are truly essential.

Now we know that avoiding the big sales is probably not a realistic idea. So let us try and figure out ways to make better (wiser) use of the sale season. Over the last couple of years there are some ways which have helped me:

Do buy only the things that are needed rather than wanted

I know this is where many of us have gray areas. What helps me here is revision. I first save the items in my wish list like a first draft. Then I revisit all the things I have selected. Many times I end up removing those smaller items that I saved just by looking at the discount. Those left move on to the Cart. But this as well is the next draft and is revisited again. Many times just a gap of few minutes helps by removing the awe and need I felt looking at the next big exercise equipment.

Don’t be impulsive and check the reviews

At the first glance you may mostly see amazing reviews given to a product. But sometimes it helps to sort the reviews by the worst first. This is where you could say the real dirt is hidden. Also many of the reviews are for the delivery/service provided rather than the product. Checking reviews on different websites helps in this case. I recently even started looking at video reviews. This is where I could now see the actual product and its working.

What is the actual Discount?

You may have heard or seen of cases where the price says a number like Rs100 and after discount it says something like Rs98. They get even more smarter and charge you on the shipping. Once my delivery cost was more than that of the price of the item itself. Another way they can get you is by hiking the price and then giving a discount. So compare the price on other sites. Find out if the actual amount that you pay in the end, is the discount that you want.

Take advantage of cashback offers

Let’s be honest, the really great discounts are quite rare and you need to be lucky to come across any once in a while. However, cashback and exchange offers are available more often. I was in dire need of a new mobile and for some reason I chose the next new iPhone. Of course for a new model I would normally need to sell a kidney first. I made use of my friends credit card (what are friends for) and combined the cash back with an exchange offer. This way I could afford to buy my first ever iPhone with a cost reduced by Rs18,000.

Do not miss to note the refund policy and the warranty details

Last but not the least, read the fine print. There is a reason why these items are on sale. So make sure that every time you check the T&Cs. I got stuck with a poor quality mobile stand cause as per the policy there was no refund. They would only replace the item and I was left with something I didn’t want.

Hopefully my venture this time is fruitful and happy. And hopefully my tips will be useful to you in your online spree. Happy Shopping!

SIP Investments That Help You Save Tax

Rising inflation has always been a major concern as it reduces your disposable income. Added to that is your tax liability, which affects your overall savings required for a financially secure future.

One way to increase your savings capability is to reduce your tax liability. The Income Tax (IT) Act, 1961 offers several investment avenues that are beneficial in tax savings.

Traditionally, safer investments like Public Provident Fund (PPF) and National Savings Certificate (NSC) were used to save as well as reduce tax liability. However, the returns earned on these products have been extremely low and often are not sufficient to cover the inflation increase

Currently, there are several other financial products that offer higher returns when compared to the traditional investments. Below are the details of the various investments that are available to save taxes.

Section 80C

In addition to section 80C, there are deductions under sections 80CCC and 80CCD (1) of the IT Act, 1961. The maximum permissible deduction under all these sections is limited to INR 1.5 lakh per annum. The investments that are eligible are listed as follows.

Equity-linked savings scheme (ELSS) offered by mutual funds
Employee Provident Fund (EPF)
Unit-linked insurance plans (ULIPs) available from insurance companies
Annuity plan availed of from any life insurer
Traditional investments, such as Public Provident Fund (PPF), premiums on traditional life insurance plans, National Savings Certificate (NSC), and five-year fixed deposits (FDs)
Retirement plans from mutual funds
Repayment of your home loan principal
Pension plans, such as National Pension System (NPS)

2. Section 80CCD (1B)

Additional contributions made in tier I account of the NPS are eligible for tax deductions for an amount up to INR 50,000.

3. Section 80 CCG

First-time investors in the Rajeev Gandhi Equity Savings Scheme (RGESS) are eligible for a deduction of up to INR 50,000.

Mutual funds are widely used by investors to participate in the equity market while reducing the risks of stock investing. You may invest a lump sum or through systematic investment plans (SIPs). In simple terms, this means you invest a specific amount in the mutual funds of your choice at periodic intervals.

These work on similar principals as those of recurring deposits (RDs). The difference, however, is that in SIP investments your funds are invested in a range of debt and equity instruments through mutual funds. This gives you better returns depending on the market conditions, as compared to an RD. Not only do these systematic plans earn better returns, in terms of interest but also help you save on taxes.

If the systematic investment is made in Equity Linked Savings Scheme (ELSS) then you can claim deductions from your taxable income for the amount invested, under section 80C of the IT Act, 1961. These funds primarily invest in diversified equities, and thus the returns are closely linked to the markets.

These funds have a lock-in period of three years from the date of investment. In case you start a systematic investment plan in such a scheme, then each installment is considered a fresh investment and the lock-in period will be applicable from the respective date. The returns on the investment made in such funds are also tax-free after the completion of the lock-in period. So, invest in such a systematic investment plan and start saving on taxes.

STEPS TO FIX A CAR TYRE PUNCTURE

It’s extremely easy to puncture a tyre and it can cause a lot of unnecessary hassle. Even if you drive over a single nail you might land with a punctured tyre. Driving in that condition can harm the vehicle rims and it puts you in grave danger of getting into an accident.

As such, all drivers should be armed with the basic knowledge of how to fix a car tyre puncture. In case something happens and there is no garage nearby, you need to be able to fix the puncture yourself. Also, always have your car insurance in place for safety.

You might be under the impression that you’ll need specific instruments to fix the tyre. However, that’s just not true. Your car comes equipped with everything you could possibly need. Below are a few short steps that can help you fix a car tyre puncture.

As soon as you realise that your tyre is punctured, slowly pull up at the side of the road. Turn on your warning lights so people behind you know you’re stopping and that something is wrong.
Find an area with flat and solid ground to stop at. You’ll have to jack up your car so make sure you’ve got the handbrakes on so the car doesn’t start rolling back.
Reach into the boot of your car and pull out everything you need. This will include a wheel spanner, a jack, a jack handle, a spare wheel, and a safety triangle that can warn all oncoming traffic.
Remove the driver’s side floor mat so you don’t get yourself filthy. Next, start loosening the wheel nuts, but not too much.
Place the jack under the lift point. To find out where the lift point is, you’ll have to refer to the owner’s manual.
Now you need to jack up the vehicle till there’s a two-inch space between the ground and the punctured tyre. You need to maintain that gap because the spare wheel will be higher than the punctured one.
Loosen the wheel nuts completely and keep them together, safely. They tend to roll away, so be careful about them.
Extract the punctured tyre and replace it with the new one. Place the wheel nuts back in place and screw them on. However, don’t screw them on too hard because if the vehicle slips off the jack it will land pretty hard.
Once the wheel nuts are slightly tightened, lower the jack till all the wheels firmly touch the ground.
Tighten all the wheel nuts completely now. Make sure they’re completely secure.
Put away the punctured wheel, along with all the other tools.
Remove the emergency breakdown triangle from the road as well.

With these simple steps, you’re all ready to hit the road again with a new tyre in place! See? Isn’t it simple to replace car tyres? However, no matter how skilled you may be at replacing tyres, accidents can still happen. You may not notice that you have a punctured tyre, or an accident may happen regardless. In those cases, you should make sure that you have the proper car insurance so you don’t have to experience any financial burdens.

Know Where You Stand

There seem to be many people who face the situation of having too much month at the end of their money. We can all relate to the cycle of elation at the beginning of the month, where our accounts show the balance of our newly received salaries. Followed by longing and shame, first due to no money and then due to borrowed money by the end of the month.

On one such shameful day, where I had just asked for money from my sister, I decided to go back and see where it all keeps going wrong. This is where I believe I made one of the best uses of my excel skills.

I started noting down all the things that I pay money for, throughout the month. The idea here was to have a simple list of everything that came to my mind. The result was as below:

Monthly Expenses
Commute	₹5,000
Maid	₹3,000
Cook	₹2,500
Maintenance/Rent	₹4,000
Groceries	₹3,500
Eating Out	₹4,000
Internet	₹1,200
Electricity	₹1,000
Water	₹800
Mobile Plan	₹599
Miscellaneous	₹2,000
Total	₹27,599

I went another step further and added some things which are more random, and can be considered as annual expenses:

Annual Expenses
Travel	Festivals	₹30,000
	Trips	₹100,000
Shopping	Clothes	₹10,000
	Electronics	₹15,000
	Others	₹15,000
	Total	₹170,000

Now I know that all of the above was already known to me. It was always there in my mind. But somehow looking at the figures gave rise to new ideas. For example, when I looked at my expenditure on the commute, I started looking for more alternatives during my daily travels. So along with pool and share, I tried to look out for options of local buses. Also, when I saw my monthly mobile plan, I searched for other competitive plans and ended up reducing almost Rs 4000 per year.

This exercise we can do as regularly as possible. You could carry a notepad with you to always keep a track. Or you could use your phone and the numerous apps that are available. Else if you’re like me and are motivationally challenged, then do what I do. I have decided to revise this sheet just once in a quarter. So, this way, it doesn’t seem like too big of a task and honestly it barely even takes 15 mins of my time.

Creating such a simple personal expense sheet is just one step that we can take. It shines a light on things that we may have been overlooking. Moreover, we can then use it to prioritize and decide where our money should actually go. This is what will help us in our next step, which is of budgeting and planning.

10 RANDOM CAR FACTS YOU DIDN’T KNOW

There’s no denying the fact that cars are perhaps the most crucial parts of our lives. In fact, they’re like another pair of limbs for most of us, and without them, we’re quite handicapped.

However, as crucial as they may be, cars also come with certain drawbacks. They lead to road rage, climate problems, and other issues. Furthermore, just like our limbs, our cars are also extremely vulnerable. As such, you should always get car insurance to make sure that you really aren’t left handicapped should anything happen to your car.

Despite how important cars are to our lives, you’d be surprised about how little we actually know about them. As such, in this article, we’ve compiled 10 random car facts that you probably don’t know, but you probably should.

The 2017 World Car Awards determined that Jaguar F-PACE is the best car in the world. It won awards for World Car of the Year and World Car Design of the Year. As such, not only is it the best car but also the most beautiful.

The biggest car in the world is the Bagger 288 excavator, which was built by ThyssenKrupp, a German company. It’s not really a car, but rather a strip-mining machine and it can dig out 240,000 tons of coal daily.

You might already be aware that Tata Nano is an extremely cheap car. But it’s actually the world’s cheapest car at just Rs. 100000.

The world’s first speeding ticket was issued in the year 1904 for a vehicle that was driving at the breakneck speed of 12 miles an hour!

This probably doesn’t come as much of a surprise but 40% of all fatal road accidents involve alcohol consumption. So don’t drink and drive! Also, oftentimes accidents can happen not because you’re at fault but because the oncoming driver might be drunk. So regardless of how careful you are, you must always have car insurance policy.

Teens are far more likely to be killed or injured in car accidents. Every year, 300,000 teenagers are gravely injured and 5,000 are killed by cars.

Talking over the phone while driving increases the risk of an accident by about 400 percent. So the next time an important call comes up while driving, either pull up the car somewhere safe or ignore it!

According to several researches, men are twice as likely to cause accidents as women.

According to a study conducted in the US, poor driving skills may be hereditary. The study found that children whose parents had been in over three accidents in the past five years were 22% more likely of being in an accident themselves while driving. While bad driving may not necessarily be hereditary, bad motor skills or habits can certainly be passed on.

Self-driving cars are fast becoming a reality and many companies will release their own models for public consumption by 2020. However, according to the Boston Consulting Group, the autonomous vehicle industry will be worth $77 billion by 2035, which means it would have effectively taken over regular vehicles.

Learn How to Take Your Blood Pressure Properly

Aisha works in a multinational company and as a part of the routine health checkup, she went to a hospital where she was surprised to know that her blood pressure was high. She had a risk of cardiovascular or heart ailment. Aisha is only 35 years old and she was diagnosed with hypertension. She had no health insurance plan and was worried about her condition. This led her to look for health plans that will provide a cover to her health. Blood pressure can lead to a stroke or a blockage in her veins; this is why it is important for her to invest in a health insurance plan.

Importance of monitoring your blood pressure

Monitoring your blood pressure can ensure you are in control of your condition. You can ensure that your blood pressure is always normal and in case of anything, you can share the information with your doctor as well. Monitoring the blood pressure at home is an easy task.

In addition to investing in health insurance plans, you can use the monitor to check your blood pressure at home. First of all, you need to understand the terms associated with the same. Your blood pressure is counted as high if it is over 140/90 millimeters of mercury (mm Hg). The first number is the pressure at which your heart pumps blood and the second number measures the diastolic pressure, which is when your heart is between two beats. If you notice that your blood pressure is 160/100 mm Hg or higher, you will need to see a doctor until it is stabilized. Similarly, if the blood pressure is under 140/90, you will have to see a doctor for the same. You need to ensure that you have a stable blood pressure at all times and this might not require you to visit the doctor repeatedly. Self-monitoring blood pressure at home is an easy way to track the BP readings without the need for a medical professional. It is advisable for you to invest in a health insurance for high blood pressure if your blood pressure consistently remains high.

How to take the blood pressure properly

Here are the two steps you need to follow in order to ensure that you are taking your readings properly.

Choose the best device

Pick an at-home monitor that is easy to use and is highly accurate. Many devices are inaccurate and show a difference of more than 10 mm Hg. This means your reading will be very different from your actual condition. Choose a monitor that is widely used by medical practitioners and pick an upper arm monitor in place of a wrist one.

Taking the reading

After you have purchased the machine, you need to learn to test it properly. You need to sit straight with your feet on the floor and your arms supported at the heart level. Take your time and relax for five minutes before you put on the cuff. Always take two readings since blood pressure fluctuates. It is ideal to take readings in the morning, evening, and mid-day to see the changes. Log all the results and contact the doctor if it is uncontrolled. Based on your readings, you can determine the frequency of using the machine.

High blood pressure could lead to a chronic illness in the long run. It is possible to apply for health insurance for chronic illness and ensure that the cost of medication and hospitalization are covered by the insurance company. Most insurance companies provide a cover for eight to 20 chronic illnesses. You can purchase an independent health insurance for high blood pressure or choose to buy a rider for critical illness on your current insurance plan.

Role of a Demat Account in Equity Investments

A demat account also referred to as dematerialized account is similar to a bank account. The only difference is that in a demat account, you store or hold securities like bonds, mutual funds, shares, debentures etc. So, a demat account serves as a great alternative to holding your securities, which you would otherwise do in the form of a physical certificate.

A company that’s listed in stock exchange can offer securities in both modes – dematerialized or physical. Dematerialization is simply the process of converting share certificates into electronic form. In this article, we will discuss the role of a demat account and how to open an account.

Benefits of a Demat Account

Here are some of the advantages of having a demat account.

Transaction costs when dealing with demat accounts are lower than physical ones.
Demat accounts are safer and you wouldn’t have to worry about the safety of bonds, shares, and debentures.
Investing in securities online is a simple and easy process when you have a demat account.
You can sell your shares whenever you want.
With physical certificates come risk like fake certificates, theft, transfer delays, forgery, etc. With a demat account, you do not face such risks.
Settlements can be done easily and conveniently with an online demat account.
Transferring your securities is also a faster and easier process when you have a demat account.

Know Your Demat Account

When you have a demat account, you need to understand two terms. One is depositories and the other is depository participants (DPs). The National Securities Depository Limited (NSDL) and the Central Depository Services Limited (CDSL) are the two SEBI-registered depositories that are responsible for holding all your securities and also allows you to make your transactions.

Depository participants (DPs) are the agents that function between the depository and the investor. So, you would have to open an account with a DP, for you to get all the facilities that are offered by these depositories.

Steps to Open a Demat Account

Choose a good depository participant (DP) that could be a broker, financial institution, bank, etc.
Fill up the form provided and submit all the necessary documents (Identity proof – Aadhaar, Voter ID, PAN, Passport and Address proof – bank statements, passport, utility bills, etc).
An in-person verification will be conducted by the depository participant.
Once the verification is done, the depository participant will then give you an ID or account number that can be used to access your account online.

Once you’ve opened your account, the agreement terms will be sent to you. There may be a few charges to open demat account. You would then need a trading account to buy and sell your securities. There are a number of banks like Axis, ICICI and HDFC that will help you to open your trading account.