What is the difference between a 3-in-1 and 2-in-1 account?

Zerodha (Trade with the best stock broker)

Invest brokerage-free Equity Delivery and Direct Mutual Funds (truly no brokerage). Pay flat Rs 20 per trade for Intra-day and F&O. Open Instant Account and start trading today.

3-in-1 Vs 2-in-1 Account


3-in-1 Account

2-in-1 Account


3 - Bank + Demat + Trading Account

2 - Demat + Trading Account


Extremely convenient as transactions among 3 accounts are seamless.

Transactions between trading and bank account are manual.

Unused fund stays in

Saving Bank Account

Trading Account

Interest on the unused fund

Yes, interest is earned on the unused saving bank balance.

No, interest is not paid on unused funds in the trading account.

Brokerage Charges

High in comparison to 2-in-1 brokers. Brokerage is charged in % of turnover.

Lower in comparison to a 3-in-1 account. Most brokers also offer flat rate discount brokerage plans.

Trading Platform

Very old, poor UI and difficult for traders. Rarely updated.

Built using the latest technology and updated regularly with new features.

Suitable for

Beginners and casual stock market investors

Casual and frequent traders

Offered By

· ICICI Bank

· HDFC Bank

· Kotak Mahindra Bank

· Axis Bank

· SBI Bank

· Yes Bank

· Allahabad Bank

· Bank of Baroda

· IndusInd Bank

· AU Small Finance Bank

· IDBI Bank

· South Indian Bank

· Karnataka Bank

· Zerodha

· Upstox

· 5paisa

· Sharekhan

· Angel One

· Motilal Oswal

· Karvy


· Indiabulls




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