I feel Zerodha is better than Paytm money right now. Although, Paytm money can give good competition to it. I recently read an article where the CEO of Zerodha himself expressed that Paytm is the only company that can compete with it. He further added "the one with the best product shall win". Nice thoughts. In fact, very rightly said! However, Zerodha surely has an advantage of being an old and very strong player.