Apply for 3 in 1 Online Trading, Demat & Bank Account

This integration eliminates the need to transfer funds between accounts, making transactions easier and faster. A 3-in-1 account suits retail investors, novice traders, and active traders who prefer a streamlined, automated process.

You can find a reliable financial investor on Upstox and start trading today.

Note that:

• The 3-in-1 account allows you to buy/sell securities (i.e. shares, mutual funds, NCDs, Bonds) in Indian stock markets.
• The 3-in-1 Demat Account lets you hold securities electronically for fast, secure online transactions. Unlike a bank account with money, a demat account contains shares, MFs, NCDs.
• Although the 3-in-1 account is convenient, it is considered expensive. The brokerage and other fees are not cheap.

Highlights of a 3-in-1 Demat Account

The key features of a 3-in-1 Demat account are outlined below.

• You receive all three accounts simultaneously.
• Very little documentation is required if you have the necessary documents, which include your PAN and Aadhaar card.
• You have the E-KYC facility.
• You will have access to your demat and trading account within a day after completing the KYC process.

Note: Due to a reduction in paperwork and operational complexity, busy professionals and frequent investors prefer it.

Guide to Applying Online for a 3-in-1 Account.

Applying for a 3-in-1 account is easy and can be done entirely online. Here are the steps involved:

Who is a Suitable Candidate for a 3-in-1 Account?

For even greater simplicity, 3-in-1 accounts are best suited for:

• First-Time Investors who want to avoid the transfer of funds between multiple accounts
• Salaried employees for automating SIPs in stocks or mutual funds.
• Longer-term investors who don't care about optimising their commissions.
• Busy people with a tight schedule prefer easy access to mobile applications.
• Students or NRIs (subject to local regulations) who want to invest a small amount initially but prefer a completely digital experience.

If you answered yes to any of these types of investors, the worry-free experience of opening a 3-in-1 account enables you to become an investor with little or no manual work.

FAQs

Which documents are required to open a 3-in-1 account?

You will need your PAN card, Aadhaar card, one passport-size photograph, and a cancelled check or bank statement.

How long does it take to activate a 3-in-1 account?

Most 3-in-1 accounts are activated within 24-48 hours of successful KYC verification.

Can NRIs open a 3-in-1 account in India?

Yes, NRIs can open a 3-in-1 account, but they must select an NRI-specific variant and comply with RBI regulations.

Is a 3-in-1 account better than a standalone trading account?

Yes, because it provides convenience, quicker transactions, integrated access, and hassle-free investing.

Are 3-in-1 accounts available on platforms such as Upstox?

Yes, platforms such as Upstox continue to allow non-stop identification verification, and you require very little paperwork.