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I am with since last 4 years ,but not faced service issue. Service issue is related to branch to branch, if any one have issue then can transfer a/c to another branch. Also 3in1 a/c also not needed, you have to do an agreement on 100/- stamp paper then they will buy your scrips and you can transfer money to trading a/c in 2 working days. for buying and selling, just give call to branch and book at your desired price, they do it immediately.