Investock vs Univest: How the Two Stock Advisory Apps Compare (2026)
Investock vs Univest, compared fairly: SEBI registration, how calls work, model portfolios, broking and pricing — so you can pick what fits how you invest.
Investock and Univest are both SEBI-registered services that give Indian investors research-backed stock calls through an app. The difference is in the shape of each product: Univest pairs its advisory with its own in-app broking account, while Investock is broker-neutral research built around model portfolios and baskets that you hold in whatever demat you already use. This guide compares the two on the things that actually decide which one fits you — registration, how calls are delivered, portfolios, broking and price — without claiming either one will make you more money.
- Both are SEBI-registered Research Analysts — a baseline you should always verify before paying either.
- Univest bundles its own zero-brokerage demat; Investock is broker-neutral, so you keep your existing broker.
- Investock is built around model portfolios, thematic and ETF baskets with a unified holdings dashboard; Univest leans on advisory calls plus in-app broking and an AI screener.
- Both state entry, target and stop-loss on their calls, which is the right standard to expect.
- Neither can promise returns. SEBI rules prohibit it, and market risk applies to both.
This comparison uses publicly available information as of October 2026, from each provider's own website and SEBI's register. Details and pricing change — verify current information on each provider's site and on sebi.gov.in before deciding. Nothing here claims one service performs better than another, and nothing here is a recommendation to subscribe to any of them.
Investock vs Univest at a glance
| Investock | Univest | |
|---|---|---|
| SEBI registration | Research Analyst (INH000026150) | Research Analyst (INH000013776); also broker and IA |
| Core offering | Research calls + model portfolios + baskets | Advisory calls + in-app broking + screener |
| Entry, target, stop-loss | On every call | Stated on calls |
| Your broker / demat | Keep your own (broker-neutral) | In-app zero-brokerage demat |
| Model portfolios & thematic baskets | Yes, a core feature | Advisory-led, with a portfolio tracker |
| Unified holdings dashboard | Yes | Portfolio tracker |
| Entry price | ₹99 trial, then subscription | Subscription (advisory from about ₹6/day) |
Compiled from investock.ai and univest.in, October 2026. Verify current details and registrations on each site and on sebi.gov.in.
How each one delivers research
Both services give you research from SEBI-registered analysts, and both attach an entry, a target and a stop-loss to their calls — the standard any paid service should meet. Univest's app also includes an AI-powered screener across thousands of NSE and BSE stocks, F&O recommendations and mutual-fund guidance, so it is wide in scope. Investock focuses on equity and F&O research calls plus structured portfolios, with the reasoning and defined risk shown on each call. If you mainly want a stream of individual ideas across segments, Univest's breadth is the draw; if you want a smaller set of calls wrapped inside ready-made portfolios, Investock leans that way.
Broking: bundled vs broker-neutral
This is the clearest structural difference. Univest offers its own in-app, zero-brokerage demat account, so advice and execution sit in one place — convenient if you are starting fresh or happy to move. Investock is deliberately broker-neutral: it gives research and portfolios, and you act on them in whatever broker and demat you already have. There is no account to switch and no execution tie-in. Which is better depends on you: bundling is simpler, broker-neutral keeps advice separate from execution.
Model portfolios and baskets
Investock is built around rules-based model portfolios, thematic baskets and ETF baskets, with position sizes set in advance and every holding tracked in one dashboard. That structure is aimed at investors who would rather follow a maintained portfolio than trade call by call. Univest centres on advisory calls and gives you a portfolio tracker to monitor what you hold. If a ready-made, rebalanced portfolio is what you want, that is Investock's core; if you prefer picking from a stream of calls, Univest's format fits.
Pricing
Univest publicises advisory from roughly ₹6 a day, with brokerage-free trading in its own account. Investock starts with a ₹99 trial and then a subscription, and because it is broker-neutral you pay your own broker's charges separately. Compare the all-in cost for how you actually trade — subscription plus any brokerage — rather than the headline number alone.
Who each one suits
- Consider Univest if,you want advice and execution in one app, do not mind using its demat, and value a wide screener across many stocks and segments.
- Consider Investock if,you want to keep your current broker, prefer ready-made model portfolios and baskets with a unified dashboard, and want defined risk on every call.
What makes Investock different
The following describes Investock's design, not a claim of superior results.
Investock's position is narrow on purpose: one SEBI-registered research service combining stock and F&O calls, model portfolios and thematic or ETF baskets, with position sizing fixed in advance and all holdings in a single dashboard — and no broking account to open. The aim is to keep research separate from execution and to give you a maintained structure rather than a feed of tips. That is a different trade-off from a bundled advice-plus-broking app, not a promise of better returns.
Frequently asked questions
Is Investock or Univest better?
Neither is universally better. Univest bundles advice with its own broking and a wide screener; Investock is broker-neutral research built around model portfolios and baskets. The right choice depends on whether you want execution bundled in and whether you prefer ready-made portfolios or a stream of calls.
Are both SEBI registered?
Yes. Investock is a SEBI Research Analyst (INH000026150) and Univest is registered as a Research Analyst (INH000013776) and also as a broker and investment adviser. Verify both numbers on sebi.gov.in before paying.
Do I need to open a new demat account for Investock?
No. Investock is broker-neutral, so you use your existing broker and demat. Univest offers its own in-app demat if you prefer advice and execution together.
Does either service guarantee returns?
No. No SEBI-registered research analyst can guarantee returns or accuracy. Investments in the securities market are subject to market risk for both.
Related reading
- Best stock advisory app in India: how to choose one safely
- Investock vs Liquide: AI signals vs research-led portfolios
- Investock vs smallcase: a single service vs a basket marketplace
- What is a model portfolio? Sample and how to invest ₹1 lakh
Sources
- Investock: SEBI Research Analyst registration INH000026150; features and pricing from investock.ai, October 2026.
- Univest: registrations (RA INH000013776, and broker/IA) and features from univest.in, October 2026.
- Registration framework: SEBI (Research Analysts) Regulations, 2014. Verify any registration on sebi.gov.in.