ICICI 3-in-1 Account
Experience the benefits of having your savings, demat & trading accounts at one place
Benefits of 3-in-1 Account
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Transaction Simplified
Manage your savings, demat and trading accounts without transferring money to the broker. Pay only when you trade.
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Research Insights
Get research insights on stocks, mutual funds, F&O and diversify investment portfolio
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Diversified Offerings
Invest in Stocks, Derivatives, Mutual Funds, ETFs, IPOs, and more
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Tailored Brokerage Plans
Pick a brokerage plan that best fits your investing and trading style
Why Open an ICICI 3-in-1 Account?
Safety and Trust of ICICI Group
Backed by 27+ years of legacy, ICICI Direct embodies the safety and reliability of the ICICI Group.
Simplified Process
Enjoy a hassle-free, paperless linking process to set up your ICICI 3-in-1 Account effortlessly
Affordable Trading
Take advantage of low brokerage plans, making your investments more cost-effective.
Exclusive Insights
Gain access to our award-winning** research to make informed investment decisions.
If being assisted by an RM, please enter details.
Explore Investment Options
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ICICI 3-in-1 Account FAQs
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What is a ICICI 3-in-1 Account?
The ICICI 3-in-1 Account integrates three key financial services into one seamless account - a saving account, a demat account, and a trading account. This combination allows you to manage your banking, investment, and trading needs effortlessly under a single platform.
What is a ICICI 3-in-1 Account?
The ICICI 3-in-1 Account integrates three key financial services into one seamless account - a saving account, a demat account, and a trading account. This combination allows you to manage your banking, investment, and trading needs effortlessly under a single platform.
How ICICI 3-in-1 Account Works?
For Buy Orders:
- Fund Allocation: When you place a buy order, funds are allocated from your Savings Account to your Trading Account.
- Order Placement: The buy order is then sent to the exchange.
- Trade Execution: The trade is executed once a matching sell order is received.
- Debit Process: The funds (actual transactional value) are debited from your Savings Account
- Share Credit: The shares are automatically credited to your linked Demat Account within T+1 day from receipt of payout.
For Sell Orders:
- Share Allocation: When you place a sell order, shares are allocated from your Demat Account to your Trading Account.
- Order Placement: The sell order is then sent to the exchange.
- Trade Execution: The trade is executed once a matching buy order is received.
- Share Debit: The shares (actual sell quantity) are debited from your Demat Account.
- Fund Credit: Within T+1 day, the selling amount of shares is automatically credited to your linked Savings Account.
Do I need to open an ICICI savings account for ICICI 3-in-1 Account?
Yes, to enjoy the full benefits of ICICI 3-in-1 Account, you need to open and link an ICICI savings account. This ensures smooth and instant fund transfers between your savings and trading accounts.
Are there any charges to open an ICICI 3-in-1 Account?
No, there are no charges to open an ICICI 3-in-1 Account with ICICI Direct. You can enjoy the convenience of integrated banking and trading without any additional costs.
Can I open a demat account without opening a saving account with ICICI Direct?
No, to fully utilize the ICICI 3-in-1 Account services, it is essential to open and link an ICICI Bank savings account. This integration is crucial for seamless fund transfers and managing your investments efficiently.
What are the interest rates applicable on trading funds parked in a savings account?
The unused funds on your trading account continue to earn interest at a competitive rate. These rates are subject to the prevailing interest rates offered by ICICI Bank on savings accounts.
Who can open an ICICI 3-in-1 Account with ICICI Direct?
Resident individuals who are above 18 years old can open an ICICI 3-in-1 Account with ICICI Direct. Additionally, the individual must have their Aadhaar linked to their mobile number for OTP-based KYC and their original PAN for video KYC.
** Thomson Reuters - Analyst Awards (Awarded to ICICI Direct research analysts): 2011-12, 2014, 2015, 2017
*Please note Brokerage would not exceed the SEBI prescribed limit.
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