ICICI 3-in-1 Account: All You Need to Know

01 Nov 2024|

2 min read |

by ICICI Securities Team

A 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 in T+1 day

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.

How to Open an ICICI 3-in-1 Account

Open Your ICICI 3-in-1 Account in three simple steps:

Quick Verification

Confirm your personal details with a few simple clicks.

Simple KYC

Just enter your Aadhaar, Aadhar-linked mobile number, PAN & let the system autofill details from your ICICI Bank account

Digital Convenience

Verify your details online with an e-signature and you’re all set

Key Features of ICICI 3-in-1 Account

Seamless Trading: Trade across asset classes from a single app without the hassle of wire transfers or UPI transactions.
Security: Manage your investment portfolio without transferring money to a broker's pool. Pay only when you trade.
Wide Range of Products: Access share trading on NSE and BSE, and innovative offerings like Margin, Margin Plus, Derivatives Trading, Mutual Funds, IPOs, and online Life Insurance.
Ease of Accessibility: Accessible through multiple platforms for trading, like the web, mobile and Call-N-trade, where you can place orders over the phone
Award-Winning Research*: Benefit from exclusive insights and research-backed stock recommendations for trading calls and long-term investments.
Tracking and Review: Regularly track & monitor your investments with our portfolio tracker, watchlist, and SMS alerts, keeping you updated on the status of your investments.

Why Choose ICICI Direct for Your 3-in-1 Account?

Safety and Trust of ICICI Group: Backed by 70+ 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.

3-in-1 Account FAQs

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 a ICICI 3-in-1 Account with ICICI Direct. You can enjoy the convenience of integrated banking and trading without any additional costs.

Who can open an ICICI 3-in-1 Account with ICICI Direct?

Resident individuals who are above 18 years can open an ICICI 3-in-1 Account with ICICI Direct. Additionally, the individual must have their Aadhaar Card linked to their mobile number for OTP-based KYC and their original PAN for video KYC.

Disclaimer

ICICI Securities Limited has its registered office at ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025, India, Tel No:- 022 - 2288 2460, 022 - 2288 2470. The non-broking products / services like iLearn and Financial Learning are not exchange traded products / services and ICICI Securities Ltd. is just acting as a distributor/ referral Agent of such products / services and all disputes with respect to the distribution activity would not have access to Exchange investor redressal or Arbitration mechanism. iLearn is not an exchange traded product/service of ICICI Securities Ltd. All disputes with respect to the activity on the platform would not have access to Exchange investor redressal or Arbitration mechanism.

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