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There are four major charges on a demat account: 1. Account-opening fee - There may not be an opening account fee. Private banks do not have one, but other entities do impose an opening fee. 2. Maintenance fee - This is also known as folio maintenance charges, and is generally levied in advance. It is charged on an annual or monthly basis. 3.Custodian fee - A fee for holding the securities. 4.Transaction fee - A fee per transaction.