Best NRI 3-in-1 Account

Best NRI 3-in-1 Account

Best NRI 3-in-1 Account (Compare Bank Charges, Read Reviews)

A 3-in-1 NRI Account is a stock market investment account designed for NRIs. It consists of NRI Bank Accounts (NRE or NRO) , PIS Permission , NRI Trading & NRI Demat Account . Some NRI stock brokers also offer PAN Account opening services. The account is also advertised by some brokers as 4-in-1 account as it includes 2 bank accounts; NRE and NRO for repatriable and non-repatriable investments.


RankBrokerAcct Opening FeeActive ClientsBrokerageRequest CallbackReview
1 Sharekhan  552,8970.50% Open Account
2 AxisDirect  283,378 0.75% Open Account
3 Zerodha ₹5001,746,6140.1% or max ₹200 per trade Open Account
4 HDFC Securities  0.75% 729,868 Open Account
5 ICICI Direct  0.50% - 1.25% 1,091,830 Open Account
6 Kotak Securities  604,820 1.00% Open Account
7 IIFL Securities  228,4670.50% Open Account
8 Angel Broking  680,090   Open Account
9 Ventura  76,9060.40% Open Account
10 Karvy  215,2720.75% Open Account

PIS linked NRI 3-in-1 account is mostly offered by banks who also offer stock broking services. The bank NRI 3-in-1 account is offered by top banks in India including ICICI,SBI

Other full-service and discount stock brokers like Sharekhan, Zerodha, and Prostocks also offer an NRI 2-in-1 account (trading + demat account). They have tie-ups with certain banks wherein they help you open bank accounts and link them to their trading and demat accounts.

NRI 3-in-1 Account Benefits

  1. Easy account opening as all 3 accounts is opened at once.
  2. Interest earned on surplus money in your savings bank account which is not being used for trading.
  3. Easy online investment across a wide range of products i.e. Stock Market, Bank FD, Corporate FD, Bonds, Insurance, SIP, Mutual Funds, etc.
  4. The quick trading facility as fund transfer is seamless and real-time between accounts. In a 2-in-1 NRI account, you first need to transfer money from bank to trading account which may take time.


  1. NRIs who want to trade in equity derivatives must open Custodial Account in addition to a 3-in-1 account. Some stock brokers are registered clearing members, so if you are opening an account with them, you don't need to open a separate custodial account. With others, you need to open a custodial account.
  2. The NRI 3-in-1 account charges (brokerage, AMC) are higher in comparison to brokers offering 2-in-1 account but it does making trading easier and faster.

Frequently Asked Questions