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High brokerage rate is a crucial factor. It discourages trading on cash basis. The management gives option to trade through their Relationship Manager to avail concession in brokerage. The offer is quite funny. If the investor is trading on his own using the system why the management is tempted to recruit Relationship Managers on the one hand and giving concession in brokerage on the other to the account holders instead it can reduce the brokerage for the investors straight way. It will cost less to the Management. HDFC Securities listening?