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Zerodha offers only UPI based IPO application. If you do not have UPI, you could create it for free from your banking mobile app (i.e. ICICI, HDFC) or BHIM UPI app. Creating UPI is a simple process.
Alternatively, you could apply in IPO's using the net banking of the bank where you have an account. Steps to apply in IPO using net banking are provided below: