Best 3-in-1 demat account in India 2021 | Credit Help India


The 3 in 1 account consists of 3 different accounts, which include the banking account, a trading account (the stock broker, the F&O section etc) and a Demat account. The bank accounts have three accounts opened together (it holds the equity shares purchased by you).

3-in-1 Account = Bank Account + Trading Account + Demat Account

3-in-1 is a seamless transaction between these three accounts. It also provides under this account a wide choice of financial options.

If the account user purchases the shares via the trade account, the money is credited from the saving bank account automatically. The money is credited to the bank and shares are removed from the demat account in the same manner as shares have been sold via a trading account. The money left on your bank account can be utilised like any ordinary bank account (i.e. you can withdraw that using your debit card).


1. Zerodha 3-in-1 Account (Pay Flat Rs 20 Brokerage)

The 3-in-1 account of Zerodha IDFC First Bank is a smooth trading aid. Check all of your assets such as stocks, bonds, mutual funds and cash from the trade account itself in real time and follow them. The account will relieve you of the onerous authentication and provide the trading account with a free one click transfer of funds.

2. ICICI Direct 3-in-1 Account

ICICI 3-in-1 online account supports NSE and BSE transactions in assets such as equities and by-products (currency & commodity). ICICI also provides various value-added services such as research consultation, PMS and management of wealth. You may also invest in reciprocal funds, IPOs and insurance under the account.

3. HDFC Securities 3-in-1 Account

The 3-in-1 HDFC account enables you trade and invest in different assets including US stocks. You also receive value-added services such as loans on stocks, bonds and mutual funds. The disadvantage of the account though is that you pay Rs. 1,999 to use the "Pro Terminal" trading platform. In addition, you will need a specified minimum amount with HDFC Bank, depending on the kind of savings account. HDFC Securities also offers 2-in-1 accounts (Trading + Demat) and 1-in-1 (Trading alone).

4. Kotak Trinity 3-in-1 Account

The Kotak Trinity 3-in-1 USP account allows you to transfer your complete business on a whole day without limitation. After exchange orders have been established, the following trade session might be started by you. However, Kotak Securities' initial costs are Rs 750, and the Trinity 3-in-1 account must be opened around 10 days.

5. SBICAP Securities 3-in-1 Account

Besides trading and investing, you get access to other value-added services, such home & car services and research consultation with the 3-in-1 account of SBICAP.

6. Axis Direct 3-in-1 Account

If you are new to trading and need to keep a hand or you have already got an account at Axis Bank, you should select Axis Direct 3-in-1. The 3-in-1 account allows you access to lifetime, general insurance, tax and scheduling services.


Choosing a 3-in-1 account relies on your trading demands and investment requirements. Before you conclude a single account, be clear about what you desire. You may register a Zerodha account that offers free stock delivery if you wish to save brokering expenses. You may, however, create a 3-in-1 account with your present bank if you want research advice and don't mind paying extra money.


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