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The Best 3-in-1 Trading Account in India Stock Market - ICICI, HDFC, SBI, Kotak

Published on Wednesday, July 18, 2012 by Team

Modified on Wednesday, August 10, 2016


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The Best 3-in-1 Trading Account in India Stock Market - ICICI, HDFC, SBI, Kotak

The 3-in-1 account consists of 3 separate accounts open together including a Bank Account (a normal bank account where your money resides), a Trading Account (a share broker account which allows you to trade in equity, F&O etc. segments) and a Demat account (it holds the equity shares purchased by you).

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

The beauty of 3-in-1 account is seamless transaction between these three accounts. It also offers wide range of investment products under this account.

When the account holder buy shares through trading account; the money get automatically debited from the saving bank account and share are automatically credited to the demat account. Similar way when shares are sold through trading account; the money gets credited to the bank account and shares are withdrawn from demat account. The money remain in your bank account can be used like any normal bank account (i.e. you can withdraw that using your debit card).

While the cost of trading is generally high with the companies offering 3-in-1 account, the hassle free investing and integrated financial solution provide unique benefits. These accounts are especially good for people who invest in stock market for long term basis or people who do not mind paying a little more brokerage for the hassle free service.

If you are a beginner in stock market or an investor in the market (not a regular trader) then this type of account are highly recommended.

Other benefits of 3-in-1 account include:

  1. Investment and trading in Equity
  2. Investment in IPO's
  3. Online Mutual Funds investment
  4. Derivative Trading (Trading in Futures & Options or F&O)
  5. Saving Account can be used as normal bank account
  6. Insurance, NPS, Tax Services & many more financial services

Many shares brokers in India who also provide banking facilities through there parent company, offers 3-in-1 account. Some of the popular brokers include ICICI Bank, HDFC Bank, Standard Chartered Bank, IDBI Bank Ltd, Kotak Securities, Axis Bank and SBI.

ICICI 3-in-1 trading account is the oldest and most popular service provided by ICICI Bank. There strong network of branches makes this account very attractive. HDFC 3-in-1 trading account is another very popular and equally good service provider. SBI 3 in 1 account and standard chartered 3 in 1 account are also provides good investment options.

To know more about the services offered by these companies, there reviews, complaints and rating; please visit the broker page through the link below:

  1. ICICI 3 in 1 Account Review
  2. SBI 3 in 1 Account Review
  3. HDFC 3 in 1 Account Review
  4. Kotak 3 in 1 Account Review
  5. IDBI three in one Account Review
  6. Axis Bank 3-in-1 Account Review

Note: If you already have a saving bank account or demat account, it can be linked to trading account to make it 3-in-1 trading account.

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User Comment

13. Satyajeet  Jan 13, 2018 10:15:22 PM IST Reply
I have 3in 1 account in icici, can i link my icici trading account to zerodha demat account and close my icici demat account.
12. Kumar  Oct 26, 2017 8:23:51 PM IST Reply
I have hdfc salary account and want to open a demat account for share trading. Please guide which is good.
1 religare
2 hdfc
11. Ramesh  Nov 18, 2015 10:21:42 AM IST Reply
I want to invest in the stocks in the long term basis , may i know which option is more better for me ?

1 . these ICICI 3 in 1 account
2. discount broker
3. any other stock broker

where i need to open the demat and trading account for more benefit , i mean i do not need to pay more comissions , as i am buy shares and hold for very long term of nearly 5 to 10 yrs
11.1. Forum Modulator  Apr 8, 2016 11:42:41 PM IST
Hi Ramesh,

1. If you are a person who has experience in investing/trading in stock market and do not need hand holding, discount brokers are the best. They don''t have any AMC and their brokerage charges are lowest. But this requires some work on your side including transferring the money from your account to brokers account etc.

2. If you are a beginner or want extremely convenient way to invest in stock market ICICI is the option. There 3-in-1 account offers extremely easy way to trade/invest in stock market. It also give you wide range of options to invest in FD, bonds, Mutual Funds, insurance products etc. under one website. But off course you have to pay premium price (higher brokerage and AMC) for this convenience.

Hope this will help.

10. Sagar  Apr 8, 2016 12:52:15 AM IST Reply
I am 24, and Just start to plan and invest in stocks.
Which would be a better account for a beginners?
I hold a savings account with ICICI as well as Kotak.

Please Guide
10.1. Forum Modulator  Apr 8, 2016 10:08:56 PM IST
Hi Sagar,

We suggest you to open the trading account with either ICICI or Kotak based on where you are comfortable banking with.

Please note:
1. Both ICICI and Kotak offers 3-in-1 account which makes it extremely easy for beginners.
2. Both has almost similar brokerage charges / fees.
3. You can compare these two brokers using below link:

Please let us know if you have any further questions.

Thank you.

9. v k lohani  May 2, 2016 12:03:03 AM IST Reply
Axis direct 3 in 1 account is cheep & best account for trading because they gives banking & demet trading at low rates services are good.
8. Dini  May 10, 2016 1:57:30 AM IST Reply
How do you rate YesBank''s 3-in-1 account?
8.1. Abhishek  Jun 22, 2016 7:52:44 PM IST
excluding Tax).

Yes Bank IT Infrastructure is one of the worst compared to HDFC, ICICI and Kotak. Yes Mobile Banking sucks and Yes Security trading platform is one of the oldest in the world.

Having worst IT Infrastructure. Yes is over confident to charge high compared to HDFC/ICICI/Kotak
7. balaji  Dec 29, 2016 2:52:17 PM IST Reply
Sir I doesn''t have a account in ICICI Bank but there is 3 in 1 facility they are asking me to pay 15000 check first to get an account
6. pritam  Mar 12, 2017 11:08:52 AM IST Reply
Information that you provide in your website is very useful, thank you !
Wanted to know, if 3-in-1, also do the prop trading, just like the discount brokers (Zerodha and others)?

5. Anand OS  Apr 17, 2017 3:38:05 PM IST Reply
I have been using HDFCSEC for 3 years now and am extremely satisfied with the online portal and features of the portal and even their Android App is very good. No issues so far at all. For beginners, for hassle free service, I would highly recommend hdfc sec. (1) Open bank account (10,000) minimum balance. Make sure you have a nominee. (2) Open Demat Trading account (3) Online trading account (ask for nominee facility.) They will come home with all forms for your signature. *MAKE SURE YOU DO NOT SELECT CREDIT CARD facility. They will issue you a credit card and then *I do not work for HDFC, Im not an agent etc. )
5.1. Anand OS  Apr 17, 2017 3:42:26 PM IST
2/3 *MAKE SURE YOU DO NOT SELECT CREDIT CARD facility. They will depending on how often u have used) 50-250 rs depending!
5.2. Anand OS  Apr 17, 2017 3:43:37 PM IST
3/3 Then every share u buy, some brokerage charge will be taken. But, it''s VERY CONVENIENT & hassle free & as I said, their portal and android app is very EASY and fast and convenient to use. Also, their chat service, Twitter response is very good if you have any queries. You can buy shares, Mutual Funds, IPO, Corporate FD''s etc.
4. Durga Revanth  Sep 1, 2016 8:03:56 PM IST Reply
Hi ,

Please let me know which is the best account for low brokerage charges .

i have account in fundsindia for trading and i want to know if any other bank provides less brokerage for stocks investment as i am new to stock markets
4.1. VINAYAk  May 14, 2017 2:44:18 AM IST
If you are new then its better to open in zerodha.
3. st  May 26, 2017 12:04:23 PM IST Reply
I am wants to open demat , trading account mcx ncdex or equity market tell me to one broker
2. Siva  Jul 28, 2017 1:58:57 PM IST Reply
I am 27, and Just start to plan and invest in stocks.
Which would be a better account for a beginners?
I hold a savings account with HDFC as well as Axis.

Please Guide
2.1. Kapil  Sep 23, 2017 2:22:57 AM IST
Zerodha will be best broker for you...
1. Muthu  Jun 24, 2016 4:21:43 PM IST Reply
Iam a beginner and I want to go for trading. I want to know which type and company account will be benefitting for trade
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