Are you tired of juggling between your savings, trading, and demat accounts every time you want to invest or trade? If you’re searching for the best 3-in-1 demat account in India, you’re in the right place. This guide will help you understand what a 3-in-1 account is, why it matters, and which providers offer the best features and value in 2025. We’ve compared the latest data from broker and bank websites, analyzed competitor offerings, and highlighted why Upstox, with its IndusStox 3-in-1 account, deserves to be at the top of your list.
What is a 3-in-1 Demat Account?
A 3-in-1 Demat account in India is an integrated financial solution that combines three essential accounts into a single package:
- Savings Account: For holding and managing your funds.
- Trading Account: For buying and selling securities in the stock market.
- Demat Account: For holding securities (like shares, bonds, ETFs) in electronic form.
This integration streamlines the process of investing and trading, making it convenient for investors to manage all their financial activities from one platform.
How Does a 3-in-1 Demat Account Work?
- Buying Shares: When you place a buy order, funds are automatically debited from your savings account, and the shares are credited to your demat account after the trade is executed (typically on a T+1 basis).
- Selling Shares: When you sell, the required shares are debited from your demat account, and the sale proceeds are credited directly to your savings account, usually within one working day.
- Seamless Transactions: Since all three accounts are linked, there is no need for manual fund transfers between accounts, making the process instant and hassle-free.
Top 3-in-1 Demat Accounts in India 2025
Here’s a quick comparison of the best 3-in-1 demat accounts, based on charges, features, and customer experience:
| Provider | Account Opening Fee | AMC (Demat) | Equity Delivery Brokerage | Intraday Brokerage | Linked Bank | Unique Features |
|---|---|---|---|---|---|---|
| Upstox (IndusStox) | ₹0 | ₹300 | ₹0 | ₹20/order | IndusInd Bank | Zero opening fee, seamless transfer |
| Zerodha (IDFC First) | ₹0 | ₹300+GST | ₹0 | ₹20/order or 0.03% | IDFC First Bank | Low cost, Kite platform |
| ICICI Direct | ₹0 | ₹700 | 0.55% | ₹20/order | ICICI Bank | Research, bank integration |
| HDFC Securities | ₹999 | ₹750 | 0.32% | 0.032% | HDFC Bank | Wealth management, advisory |
| Kotak Securities | ₹850 | ₹750 (1st yr free) | 0.50% | 0.05% | Kotak Mahindra | Free AMC 1st year, mobile app |
Why Upstox Offers the Best 3-in-1 Demat Account in India
Investors often struggle with slow fund transfers, high charges, and complicated interfaces when using separate accounts for banking, trading, and demat. These issues can lead to missed opportunities and unnecessary stress.
Imagine spotting a great stock opportunity but missing out because your funds are stuck in your bank account, or you’re confused by high brokerage and hidden fees. Many traditional 3-in-1 accounts charge high annual maintenance and brokerage fees, eating into your returns.
Upstox IndusStox 3-in-1 Account
Upstox, in partnership with IndusInd Bank, offers the IndusStox 3-in-1 account—a modern, low-cost solution that addresses the pain points of Indian investors:
- Zero account opening charges: Start investing without any upfront cost.
- Low AMC: Only ₹300 per year from the second year onwards.
- Zero brokerage on equity delivery: Invest in stocks for the long term at no cost.
- Flat ₹20 per intraday order: Transparent and affordable trading charges.
- Seamless fund transfer: Instantly move money between your IndusInd savings account and Upstox trading account—no delays or manual steps.
- Earn interest while trading: Your funds remain in your savings account until you trade, so you keep earning interest.
- All-in-one dashboard: Monitor, buy, sell, and manage all your investments from a single platform.
- Advanced trading tools: Access real-time data, advanced charting, and research tools.
- Commodity Broker in India (Full-Service Brokers): Trade equities, commodities, currencies, F&O, IPOs, and mutual funds—all through one account.
- Quick, paperless onboarding: Open your account online in minutes.
Detailed Overview: Best 3-in-1 Demat Accounts
1. Upstox IndusStox 3-in-1 Account
Upstox, a leading discount broker, has partnered with IndusInd Bank to offer a 3-in-1 account that links your savings, trading, and demat accounts for a seamless experience.
Why Choose Upstox?
- Zero account opening fee and no minimum balance requirement.
- Only ₹300 AMC from the second year.
- Zero brokerage on equity delivery; flat ₹20 per intraday order.
- Instant fund transfer between IndusInd Bank and Upstox.
- Earn interest on idle funds until you trade.
- Advanced mobile and web platforms.
- Trade stocks, commodities, currencies, IPOs, and mutual funds.
- 24/7 customer support and robust security features.
Key Features:
- Real-time portfolio tracking.
- Customizable account number.
- Free research and investment ideas.
- Access to all major exchanges (NSE, BSE, MCX).
2. Zerodha 3-in-1 Account (with IDFC First Bank)
Zerodha, India’s largest broker, offers a 3-in-1 account in partnership with IDFC First Bank.
Why Choose Zerodha?
- Zero account opening fee.
- ₹300+GST AMC.
- Zero brokerage on equity delivery; ₹20/order or 0.03% for intraday.
- Fast Kite platform and strong educational resources.
- Instant fund transfer with IDFC First Bank.
Key Features:
- Kite web and mobile app.
- Advanced charting and order types.
- Trusted by over 1 crore investors.
3. ICICI Direct 3-in-1 Account
ICICI Direct is a full-service broker with a strong banking backbone.
Why Choose ICICI Direct?
- Zero account opening fee.
- ₹700 AMC.
- 0.55% brokerage on equity delivery; ₹20/order for intraday.
- Deep integration with ICICI Bank for easy fund transfer.
- Comprehensive research and advisory.
Key Features:
- 3-in-1 account for seamless transactions.
- Wealth management and portfolio services.
- High brand trust.
4. HDFC Securities 3-in-1 Account
HDFC Securities offers a 3-in-1 account linked with HDFC Bank.
Why Choose HDFC Securities?
- ₹999 account opening fee.
- ₹750 AMC.
- 0.32% brokerage on equity delivery; 0.032% for intraday.
- Wealth management and advisory services.
- Strong mobile app and research tools.
Key Features:
- Real-time portfolio management.
- Access to HDFC Bank’s services.
- High security and support.
5. Kotak Securities 3-in-1 Account
Kotak Securities provides a 3-in-1 account with Kotak Mahindra Bank.
Why Choose Kotak Securities?
- ₹850 account opening fee.
- ₹750 AMC (free for first year).
- 0.50% brokerage on equity delivery; 0.05% for intraday.
- Free AMC for the first year.
- Modern trading tools and a mobile app.
Key Features:
- Portfolio management.
- Wealth and advisory services.
- Integration with Kotak Bank.
Comparison Table: Best 3-in-1 Demat Accounts
| Provider | Account Opening Fee | AMC (Demat) | Equity Delivery Brokerage | Intraday Brokerage | Linked Bank | Unique Features |
|---|---|---|---|---|---|---|
| Upstox (IndusStox) | ₹0 | ₹300 | ₹0 | ₹20/order | IndusInd Bank | Instant transfer, earn interest |
| Zerodha (IDFC First) | ₹0 | ₹300+GST | ₹0 | ₹20/order or 0.03% | IDFC First Bank | Kite platform, low cost |
| ICICI Direct | ₹0 | ₹700 | 0.55% | ₹20/order | ICICI Bank | Research, bank integration |
| HDFC Securities | ₹999 | ₹750 | 0.32% | 0.032% | HDFC Bank | Wealth management, advisory |
| Kotak Securities | ₹850 | ₹750 (1st yr free) | 0.50% | 0.05% | Kotak Mahindra | Free AMC 1st year, mobile app |
How to Open a 3-in-1 Demat Account
- Choose a Provider: Major banks like ICICI, HDFC, Kotak, and IDFC FIRST Bank offer 3-in-1 accounts.
- Application Process:
- Fill out an online or physical application form.
- Provide required documents: PAN card, Aadhaar, address proof, bank proof, and a passport-size photo.
- Complete e-KYC and video verification steps as required.
- Account Activation: After verification, your accounts are usually activated within 24 hours.
Who Should Consider a 3-in-1 Demat Account?
- Investors who want the convenience of managing all financial activities from a single platform.
- Those who actively trade in stocks, mutual funds, IPOs, and other securities.
- Individuals seeking a fast, secure, and paperless investment experience.
How to Choose the Best 3-in-1 Demat Account
When selecting the best 3-in-1 demat account in India, consider:
- Charges: Look for zero or low account opening and AMC fees.
- Brokerage: Lower brokerage means higher returns, especially for frequent traders.
- Fund Transfer: Instant and seamless transfer between savings and trading accounts is crucial.
- Platform: Choose brokers with advanced, reliable trading platforms and mobile apps.
- Product Range: Ensure access to equities, commodities, mutual funds, and other asset classes.
- Support: Responsive customer service and robust security are essential.
- Commodity Broker in India (Full-Service Brokers): If you want to trade commodities, pick brokers like Upstox that offer this service.
Frequently Asked Questions (FAQs): Best 3-in-1 Demat Account in India
What is a 3-in-1 demat account?
A 3-in-1 demat account links your savings, trading, and demat accounts for seamless investing and fund transfer.
What is the difference between 2-in-1 and 3-in-1 accounts?
A 2-in-1 account links only trading and demat accounts, while a 3-in-1 account also includes a savings account for seamless fund transfer.
Can NRIs open a 3-in-1 demat account?
Yes, several banks and brokers, including ICICI Direct and Upsto,x offer NRI 3-in-1 accounts.
Are 3-in-1 accounts safe?
Yes, these accounts are regulated by SEBI and RBI, and offer high security and transparency.
Which banks offer 3-in-1 accounts?
Major banks like IndusInd, ICICI, HDFC, Kotak, and IDFC First provide 3-in-1 accounts, often in partnership with brokers.
Is a fund transfer instant in all 3-in-1 accounts?
Upstox and other leading brokers offer instant fund transfer between linked accounts.
Which is the best 3-in-1 demat account in India 2025?
Upstox IndusStox 3-in-1 account offers the best combination of low charges, instant fund transfer, and advanced trading tools.
Can I trade commodities with a 3-in-1 account?
Yes, Upstox allows you to trade equities, commodities, currencies, and more from a single account.
What are the annual charges for the Upstox 3-in-1 demat account?
Upstox charges ₹300 per year as AMC, starting from the second year.
Are there any zero-account-opening-fee 3-in-1 accounts?
Yes, Upstox (IndusStox) and Zerodha (IDFC First) offer zero account opening fees.
Conclusion
Choosing the best 3-in-1 demat account in India can save you time, reduce costs, and simplify your investment journey. After comparing the top options for 2025, Upstox IndusStox 3-in-1 account stands out for its zero account opening fee, low AMC, instant fund transfer, and advanced trading tools. Whether you’re a beginner or an experienced investor, Upstox gives you the flexibility, transparency, and support you need to manage your investments efficiently.
Ready to simplify your investing? Open your Upstox IndusStox 3-in-1 demat account today and experience seamless trading!
