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Open Demat Account

Benefits of 3 in 1 Account

Seamless Transfer of Funds from Savings A/c to Trading A/c

The account facilitates swift and automated transactions. So, it facilitates seamless transfer of funds between savings and trading accounts during transactions.

Faster Trades and Smoother Settlement

Because balances update in real time, orders go through faster, and settlements feel smoother. You get a clearer idea of what you can trade right now.

Hassle Free Banking and Investing
  • The account activation process involves minimal paperwork. You also get an E-KYC facility.
  • With a 3 in 1 demat account, you can hold investments conveniently. Nomination facility is also available for additional security.
One Clear View of Your Portfolio

One dashboard shows your holdings, available cash, and open positions together. It’s easier to track profits, spot risks, and know your next move clearly today.

Easy Access to More Investment Options

You can use the same setup for Stocks, Mutual Funds, ETFs, Bonds, and IPOs.

Buy Now, Pay Later

Get up to 4 times the leverage on 1300+ stocks. Enhance your buying power with Margin Trading Facility

Why Open a Kotak 3 in 1 Account?

One account, many solutions
Use a single 3 in 1 account to Save, Trade, and Invest, instead of maintaining separate relationships for banking, demat, and trading
Enjoy ₹0 account opening fees and Low Brokerage
Enjoy (as per current plans) Rs.0 brokerage on delivery trades and Rs.10 brokerage per order on intraday and F&O order.
ASBA support for IPOs
Apply for IPOs using the linked bank account and any eligible demat account while retaining interest on funds until actual allotment.
Access to research insights
Benefit from Kotak Neo’ research calls, market views, and stock reports to support more informed trading and investment decisions.

How to Open a Kotak Neo 3 in 1 Account

Step 1: Validate Mobile No. and Email ID

Step 2: PAN & DOB verification

Step 3: Digi Locker Verification

Step 4: Select your investment experience

Step 5: Add Nominee details

Step 6: Photo Verification

Step 7: Plan Selection

Step 8: Submit E-sign

FAQs

It links your bank, trading, and demat accounts so you can move funds, place orders, and hold securities within one connected setup.

A 3-in-1 account is an account that incorporates a bank's savings account, Demat account, and trading account. You need to have a savings account before you can open a 3-in-1 account. This linked bank account facilitates funding your trades and managing transactions smoothly.

If you choose a 3-in-1 account, you can combine your bank savings account, trading account, and Demat account. When you make a trade, the money is taken from your bank's savings account and deposited into your trading account. This helps to see that the securities you bought are directly being credited to your Demat Account without any manual interaction.

There are no account-opening charges for a 3-in-1 account with Kotak Neo. However, the underlying savings, Demat or trading services, may have other charges depending on specific terms and conditions. These will vary depending on your account type and the plan you choose.

Yes, you can apply for IPOs via ASBA (as available), so funds stay in your bank account until allotment while you continue earning interest.

Charges vary by plan and current schedule. Check the latest Kotak Neo pricing for brokerage, AMC, and statutory charges before you start.

Yes, you can usually access multiple products such as mutual funds, bonds, and IPOs from the same platform, depending on the enabled services.

Yes, transfers between the linked savings and trading account typically happen automatically during transactions, reducing manual steps and delays.