3-in-1 Account is an integrated financial account that combines a Bank Account, Trading Account, and Demat Account into one seamless ecosystem. It simplifies investing and trading by allowing investors to transfer funds, buy or sell securities, and hold them electronically — all within a single platform.

In a traditional setup, investors need three separate accounts to trade in the stock market — a bank account for funds, a trading account for executing buy/sell orders, and a demat account for holding shares in electronic form. A 3-in-1 Account connects these seamlessly, eliminating manual fund transfers and reducing transaction delays. This integration ensures a faster, more convenient, and secure investment experience.

How it works: When you place an order through your trading account, the required funds are automatically debited from your linked bank account. Once the trade is executed, the purchased shares are credited to your demat account. Similarly, when you sell shares, the proceeds are credited directly to your bank account. This automation ensures smoother transactions without the hassle of multiple logins or fund transfers.

Benefits of a 3-in-1 Account:

• Seamless integration between banking, trading, and demat services
• Faster fund transfer and settlement process
• Single login access for all investment activities
• Enhanced transparency and reduced risk of manual errors
• Ideal for long-term investors and active traders

For investors looking to participate in equity markets, mutual funds, ETFs, or IPOs, a 3-in-1 Account offers a unified gateway to manage and monitor all investments efficiently. It aligns with SEBI’s guidelines on transparency and investor protection, ensuring secure transactions and simplified portfolio management.