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Discover how linking banking, trading and demat services under one login makes investing smooth and efficient.
A 3‑in‑1 demat account brings together a savings account, a trading account, and a demat account into a single, unified solution. This integration reduces delays, streamlines transactions, and simplifies portfolio management, especially for individuals new to investing.
A 3-in-1 Demat Account combines a bank account, trading account, and demat account into a single integrated platform. It allows seamless transfer of funds, smooth trading, and secure holding of securities—all in one place—offering convenience and efficiency to investors.
Here’s how these accounts interact fluently:
When you place a buy order, funds are instantly blocked or transferred from your savings account.
Upon execution, shares move into the demat account next day (T+1).
For sell orders, shares are debited and funds return to your bank.
Everything occurs within one secure interface, offering real-time visibility on balances and holdings.
Seamless Transactions: Automatic fund transfer between bank, trading, and demat accounts.
Single Platform Access: Manage banking, trading, and investments from one interface.
Time-Saving: Quick order execution without manual fund transfers.
Secure Holdings: Safe and paperless storage of securities in demat form.
Real-Time Updates: Instant access to balances, trade status, and holdings.
A single login covers banking, trading and holdings—making monitoring and transacting intuitive.
Automatic settlement reduces delays and removes the need for manual transfers .
Traditional delays are minimised, improving agility—especially useful for active traders.
Unified statements combine bank, trade, and demat activity, simplifying bookkeeping and tax preparation.
Here’s what is usually required:
Indian resident above 18
Valid PAN, Aadhaar and a linked savings account
Basic KYC documentation
Apply online via a SEBI-registered broker or registrar=
Complete e-KYC and bank linking
Receive login credentials and access all linked services within a couple of days
Make informed choices by considering:
Account fee structures (demat annual charges, trading fees)
Platform usability, customer support and mobile app reliability
Bank integration and fund clearance time
Below is a comparison to highlight convenience and functionality:
Feature |
Traditional Accounts |
3‑in‑1 Demat Account |
|---|---|---|
Number of Accounts |
Separate savings, trading, demat |
One unified account |
Fund Transfer |
Manual, may take time |
Instant & automated |
Transaction Speed |
Moderate |
Faster with minimal lag |
User Convenience |
Lower |
Higher due to single access |
This table demonstrates how integration enhances simplicity and efficiency.
It suits:
Frequent Traders, who need quick fund access
Investment Beginners, who benefit from reduced complexity
Long‑Term Investors, who value easy record-keeping and consolidated reporting
Recently, SEBI confirmed that 3‑in‑1 accounts are valid for applying to public issues of securities—even debt and municipal bonds—highlighting official acceptance. From February 2025, qualified brokers must support either 3‑in‑1 or UPI blocking for secondary-market transactions.
A 3‑in‑1 demat account offers a seamless, integrated approach to financial planning and investment. It brings together essential elements—banking, trading, and demat—under one user-friendly portal, reducing hassles, accelerating fund flows and easing record-keeping. This setup aligns with SEBI regulations and supports both active and long-term investors in managing portfolios efficiently.
This content is for informational purposes only and the same should not be construed as investment advice. Bajaj Finserv Direct Limited shall not be liable or responsible for any investment decision that you may take based on this content.
PAN, Aadhaar, and a cancelled cheque or bank statement are typically needed for KYC and account linking.
You can only link accounts from partner banks that have tie-ups with your broker. Check with the broker for eligible banks before onboarding.
Yes, typical costs include annual demat maintenance, trading commissions, fund transfer charges and stamp duty—varies by provider.
Yes, its consolidated reporting and auto settlement supports streamlined tracking and holdings oversight.
Security features include encryption, two-factor authentication, and SEBI oversight, ensuring robust protection for accounts.
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