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Best NRI 3-in-1 Account

Best NRI 3-in-1 Account (Compare Bank Charges, Read Reviews)

A 3-in-1 NRI Account is a stock market investment account designed for NRIs. It consists of NRI Bank Accounts (NRE or NRO), PIS Permission, NRI Trading & NRI Demat Account. Some NRI stock brokers also offer PAN Account opening services. The account is also advertised by some brokers as 4-in-1 account as it includes 2 bank accounts; NRE and NRO for repatriable and non-repatriable investments.

Best 3-in-1 Account for NRI

Rank Broker Acct Opening Fee Brokerage Charges Active Clients Request Callback Review Compare
ProStocks ₹0 ₹100 per trade - Open Online Account ProStocks NRI Account Review
1ICICIdirect₹40000.50% - 1.25%2,005,773Open Account ICICIdirect Review
2HDFC Securities₹25000.75%1,016,493HDFC Securities Review
3Kotak Securities₹37501.00%953,734Open Account Kotak Securities Review
4AxisDirect₹25000.75%328,513AxisDirect Review
5IDBI Capital₹15000.50%55,833IDBI Capital Review
6Yes Securities47,344Yes Securities Review

PIS linked NRI 3-in-1 account is mostly offered by banks who also offer stock broking services. The bank NRI 3-in-1 account is offered by top banks in India including ICICI, SBI, HDFC and Axis Bank, etc.

Other full-service and discount stock brokers like Sharekhan, Zerodha, and Prostocks also offer an NRI 2-in-1 account (trading + demat account). They have tie-ups with certain banks wherein they help you open bank accounts and link them to their trading and demat accounts.


ProStocks Non-PIS NRO Trading


NRI 3-in-1 Account Benefits

  1. Easy account opening as all 3 accounts is opened at once.
  2. Interest earned on surplus money in your savings bank account which is not being used for trading.
  3. Easy online investment across a wide range of products i.e. Stock Market, Bank FD, Corporate FD, Bonds, Insurance, SIP, Mutual Funds, etc.
  4. The quick trading facility as fund transfer is seamless and real-time between accounts. In a 2-in-1 NRI account, you first need to transfer money from bank to trading account which may take time.


  1. NRIs who want to trade in equity derivatives must open Custodial Account in addition to a 3-in-1 account. Some stock brokers are registered clearing members, so if you are opening an account with them, you don't need to open a separate custodial account. With others, you need to open a custodial account.
  2. The NRI 3-in-1 account charges (brokerage, AMC) are higher in comparison to brokers offering 2-in-1 account but it does making trading easier and faster.


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