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I have a 3in1 acct with IDBI Direct .com and doing trading and buy mutual funds through them, their cutomer care at mumbai is promt to render help on phone. but now they from 20 oct 2008 started new trading plate form, I must say this does not work like reliance money (at least reiance is cheapest) the potfolio is just missing, it has become extremly difficult even to file I T return. IT is really a pain full desion to close the acct with them.