3 in 1 Account for all 3 Financial Needs: Save, Invest and Trade

Open 3 in 1 account and enjoy ₹20 brokerage on intraday and delivery trades.

Open 3 in 1 Account

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How to Open Your 3 in 1 Account: Savings, Demat & Trading Made Simple

Verify email address & Mobile Number

Enter Your Personal Details

Complete the KYC Process

Receive Your Account Details

Verify email address & Mobile Number

Verify email address & Mobile Number

Enter Your Personal Details

Complete the KYC Process

Receive Your Account Details

Start Using Your 3 in 1 Account

Why Open an HDFC SKY 3 in 1 Account?

Single Journey

One journey. Three financial essentials.

Zero Account Opening Charges

Open your Demat & Trading Account at zero cost.

Trusted HDFC Ecosystem

Banking and investing, backed by HDFC trust.

₹20 Flat Brokerage

Flat ₹20 brokerage across all orders.

SKY Direct Enabled

Trade directly through your linked HDFC Bank account.

Free Researched Picks

Daily research driven stock picks for free.

Limitless IPO bidding

Apply for IPOs beyond the ₹5 lakh UPI limit using SKY Direct.

Zero Maintenance Charges

No maintenance charges on demat account for the first year.

Single Journey

One journey. Three financial essentials.

Zero Account Opening Charges

Open your Demat & Trading Account at zero cost.

Trusted HDFC Ecosystem

Banking and investing, backed by HDFC trust.

₹20 Flat Brokerage

Flat ₹20 brokerage across all orders.

SKY Direct Enabled

Trade directly through your linked HDFC Bank account.

Free Researched Picks

Daily research driven stock picks for free.

Limitless IPO bidding

Apply for IPOs beyond the ₹5 lakh UPI limit using SKY Direct.

Zero Maintenance Charges

No maintenance charges on demat account for the first year.

HDFC SKY 3 in 1 Account FAQs

What is an HDFC Bank 3-in-1 Account?

An HDFC 3-in-1 Account lets you open your Savings Account, Demat Account and Trading Account through one seamless onboarding journey. It brings your banking and investing together, making it easier to start your investment journey.

How is a 3-in-1 Account different from opening separate accounts?

With a 3-in-1 Account, your banking and investing journey is connected from the start. Since your details are already captured during your Savings Account onboarding, you don’t have to start the Demat account opening process from scratch.

What accounts are included in a 3-in-1 Account?

A 3-in-1 Account includes:

HDFC Bank Savings Account
HDFC SKY Demat Account
HDFC SKY Trading Account

Together, they enable you to save, invest and trade seamlessly.

Do I need to visit the branch again to open my Demat Account?

No. Once you initiate the journey, you can complete the remaining steps digitally on your own device.

Will I have to submit my documents again?

No. Your existing onboarding information is securely used (with your consent) to make the process simpler. You only need to complete the remaining verification and regulatory steps required for opening your Demat & Trading Account.

Is there any charge to open a 3-in-1 Account?

Opening your Savings Account and initiating your 3-in-1 journey does not involve any additional account opening charges for the Demat & Trading Account.

What can I do once my account is activated?

Once your account is activated, you can:

Invest in Stocks
Invest in Mutual Funds
Apply for IPOs
Trade in Equity
Access many more investment opportunities through HDFC Securities.

What is SKY Direct?

Eligible customers opening a 3-in-1 Account get access to SKY Direct, which lets you invest directly using your linked HDFC Bank Savings Account. Your funds remain in your bank account until settlement, making your investing experience smoother.

Is my information secure?

Yes. Your information is shared only after you provide your consent and is handled securely in accordance with applicable regulatory and privacy requirements.

How long does the onboarding process take?

The onboarding journey is designed to be quick and completely digital. Actual completion time may vary depending on the verification process and successful submission of the required information.