Which bank is best for a 3-in-1 account?

All major banks SBI, ICICI, Axis, Kotak, HDFC etc., who have a brokerage company in its group offer 3-in-1 accounts. The features of most of the 3-in-1 accounts are similar. However, there are a few factors to consider while choosing the best 3-in-1 account-

• Minimum Balance requirement- Does the 3-in-1 account requires you to maintain a monthly, quarterly or yearly balance? In most cases, the savings account is a zero balance account and doesn't require maintaining any balance. However, some banks put a clause of minimum trading activity in your trading account. If you don't do the minimum trading activity then your bank account may be converted from a zero balance to a minimum balance account.
• Brokerage Charges- The brokerage charges varies from broker to broker. So compare the brokerage charges before choosing your 3-in-1 account.
• Segments- Not all brokerage companies facilitate trading in all segments like equity, derivatives, currency and commodities etc. So make sure that the bank you are opening a 3-in-1 account facilitates trading in segments of your choice.
• Trading facilities- It means trading tools, platform features and other trading assistance offered by brokers. You must also consider the quality trading tools, platform features, research advice, training tips etc., offered by the broker before choosing the right 3-in-1 account.