ICICI 3-in-1 Account
Experience the benefits of having your savings, demat & trading accounts at one place
Benefits of 3-in-1 Account
Manage your savings, demat and trading accounts without transferring money to the broker. Pay only when you trade.
Invest in Stocks, Derivatives, Mutual Funds, ETFs, IPOs, and more
Get research insights on stocks, mutual funds, F&O and diversify investment portfolio
Pick a brokerage plan that best fits your investing and trading style
Why Open an ICICI 3-in-1 Account?
Backed by 27+ years of legacy, ICICI Direct embodies the safety and reliability of the ICICI Group.
Enjoy a hassle-free, paperless linking process to set up your ICICI 3-in-1 Account effortlessly
Take advantage of low brokerage plans, making your investments more cost-effective.
Gain access to our award-winning** research to make informed investment decisions.
How to Open an ICICI 3-in-1 Account
Start from any touchpoint - iMobile App, ICICI Direct Website & App
Step 1: Verify Contact Details
Enter and verify your mobile number and email ID
Step 2: Verify PAN & Bank Details
Provide your PAN number. If you have an ICICI Bank account, details will be auto-fetched.
Step 3: Review Personal Information
Your personal details will be pre-filled from your ICICI Bank records.
Step 4: Set Preferences & Select Plan
Choose your trading preferences and select a brokerage plan.
Step 5: Esign & Verify KRA
Complete your digital signature and KRA verification to activate your account.
Key Features of ICICI 3-in-1 Account
Explore Investment Options
ICICI 3-in-1 Account FAQs
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.
** Thomson Reuters - Analyst Awards (Awarded to ICICI Direct research analysts): 2011-12, 2014, 2015, 2017