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NRI

ICICI 3-in-1 Account

Experience the benefits of having your savings, demat & trading accounts at one place

Open ICICI 3-in-1 Account

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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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Diversified Offerings 

Invest in Stocks, Derivatives, Mutual Funds, ETFs, IPOs, and more

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Research Insights

Get research insights on stocks, mutual funds, F&O and diversify investment portfolio

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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?

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Safety and Trust of ICICI Group

Backed by 27+ years of legacy, ICICI Direct embodies the safety and reliability of the ICICI Group.

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Simplified Process

Enjoy a hassle-free, paperless linking process to set up your ICICI 3-in-1 Account effortlessly

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Affordable Trading

Take advantage of low brokerage plans, making your investments more cost-effective.

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Exclusive Insights

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.

If being assisted by an RM, please enter details.
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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

Wide Range of Products

Access share trading on NSE and BSE, and innovative offerings like Margin, Margin Plus, BTST, SPOT Trading, Derivatives Trading, Overseas Trading, Mutual Funds, IPOs, and online Life Insurance.

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.

Security

Manage your investment portfolio without transferring money to a broker's pool. Pay only when you trade.

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.

Explore Investment Options

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Stocks
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IPO
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Future & Options
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Mutual Funds

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.

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.

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.

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.

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.

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** Thomson Reuters - Analyst Awards (Awarded to ICICI Direct research analysts): 2011-12, 2014, 2015, 2017