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Introducing 3-in-1 Account
3-in-1 Account
One Solution for Banking, Trading & Demat
Experience the power of Banking, Trading, and Demat in one seamless solution with IDFC FIRST Bank's 3-in-1 Account.
Banking
Demat
Trading
Scan To Open Your Account Now
0
Opening Charges
up to 6.50%
Interest p.a.
1st year
free AMC
3-in-1 digital account opening journey available only on the IDFC FIRST Bank mobile app and applicable for existing IDFC FIRST Bank customers, Residential individuals only.
Overview
Experience smarter investing with the IDFC FIRST Bank 3-in-1 account. A single, seamless setup that brings together Banking, Trading, and Demat services. Trade directly from your IDFC FIRST Bank savings account without moving funds to a broker wallet, while your money continues to earn up to 6.50% p.a.
Read moreWith zero account opening charges, first-year free AMC, and instant digital onboarding, the 3-in-1 account simplifies how you invest, track, and grow your wealth. Open your 3-in-1 account and manage transactions with speed, control, and clarity under a single setup.
Read Less
How the 3-in-1 Account Works
The IDFC FIRST Bank 3-in-1 account lets you invest with a simple, fully connected setup. No separate wallets or manual fund transfers.
-
1
Open digitally:Log in to the IDFC FIRST Bank mobile banking app to start your 3-in-1 account opening journey.
-
2
Auto-link accounts: Your IDFC FIRST Bank Savings Account will be linked to your Demat and Trading account where trade can be initiated by logging in to the RIISE app powered by Motilal Oswal Financial Services Limited.
-
3
Trade with Hold & Release: Place orders directly from your bank account; funds are debited only on execution.
-
4
Earn until you trade: Your money continues to earn up to 6.50% interest on your unutilized funds until you start trading.
-
5
Track in one view: Monitor investments and holdings on a RIISE trading platform
This efficient flow makes the 3-in-1 account a faster and more innovative way to invest.
Why Choose IDFC FIRST Bank 3-in-1 Account?
The IDFC FIRST Bank 3-in-1 account is built for investors who want speed, savings, and complete control without juggling multiple platforms.
Trade directly
from your bank account:
With the Hold & Release feature, place buy orders from MOFSL Trading RIISE app without pre-funding a broker wallet.
Earn more on idle funds
Your money stays in your savings account and can earn up to 6.50% p.a. until the trade is executed.
Lower
investing costs:
Enjoy ₹0 account opening charges, first-year free AMC, and the lowest demat debit and pledge charges.
Instant,
paperless onboarding:
Open your 3-in-1 account digitally in minutes through the mobile app.
Expert-backed
insights:
Get access to market research and recommendations powered by Motilal Oswal Financial Services Ltd.
Get direct credit to
your bank account:
Receive funds from any sale transaction directly in your linked bank account without routing through the broker’s pool account.
Trade directly
from your bank account:
With the Hold & Release feature, place buy orders from MOFSL Trading RIISE app without pre-funding a broker wallet.
Earn more on idle funds
Your money stays in your savings account and can earn up to 6.50% p.a. until the trade is executed.
Lower
investing costs:
Enjoy ₹0 account opening charges, first-year free AMC, and the lowest demat debit and pledge charges.
Instant,
paperless onboarding:
Open your 3-in-1 account digitally in minutes through the mobile app.
Expert-backed
insights:
Get access to market research and recommendations powered by Motilal Oswal Financial Services Ltd.
Get direct credit to
your bank account:
Receive funds from any sale transaction directly in your linked bank account without routing through the broker’s pool account.
Key Benefits of IDFC FIRST Bank 3-in-1 Account
Created to enhance efficiency and control, the IDFC FIRST Bank 3-in-1 account combines features that help you trade smarter and manage investments effortlessly. It makes it one of the best 3-in-1 account options for modern investors.
Hold & Release trading:
Place buy orders from MOFSL Trading RIISE app without pre-funding a broker ledger.
Lowest demat debit & pledge charges: Reduce transaction costs and keep more of your returns.
Zero opening, zero surprises: ₹0 account opening charges and first-year free AMC.
High-interest savings advantage: Earn up to 6.50% p.a. on funds until your trade is executed.
Research-backed decisions: Access specialist insights and recommendations to invest with confidence, powered by Motilal Oswal Financial Services Limited.
Fully digital onboarding: Quick, secure, and paperless account setup via the mobile app.
Features of IDFC FIRST Bank 3-in-1 Account
The IDFC FIRST Bank 3-in-1 account is designed to deliver everyday advantages for investors, merging convenience, cost savings, and smarter money management. These 3-in-1 account benefits help you stay invested without compromising liquidity or control.
One account, zero complexity:
Manage your bank account, demat account, and trading account through a single, integrated setup, no switching platforms or juggling logins.
Better use of your money:
With Hold & Release, your funds remain in your savings account and continue earning interest up to 6.50% until a trade is executed.
Lower costs, higher efficiency:
Save on investment expenses with ₹0 account-opening charges, first-year free AMC, and minimal debit fees.
Faster execution:
Seamless account linking ensures quicker order placement and smoother settlement while dealing in securities markets.
Informed investing:
Access expert research by Motilal Oswal Financial Services Limited and market insights to make data-backed trading decisions.
Complete transparency:
Clear pricing and a bank-backed structure give you confidence in every transaction.
One account, zero complexity:
Manage your bank account, demat account, and trading account through a single, integrated setup, no switching platforms or juggling logins.
Better use of your money:
With Hold & Release, your funds remain in your savings account and continue earning interest until a trade is executed.
Lower costs, higher efficiency:
Save on investment expenses with ₹0 account-opening charges, first-year free AMC, and minimal debit fees.
Faster execution:
Seamless account linking ensures quicker order placement and smoother settlement while dealing in securities markets.
Informed investing:
Access expert research by Motilal Oswal Financial Services Limited and market insights to make data-backed trading decisions.
Complete transparency:
Clear pricing and a bank-backed structure give you confidence in every transaction.
Getting Started with the
IDFC FIRST Bank 3-in-1 Account
Who Should Open a 3-in-1 Account?
The IDFC FIRST Bank 3-in-1 account is ideal for anyone who wants a faster, simpler way to invest without managing multiple accounts or fund transfers.
Active traders who want quick execution and lower transaction costs.
Long-term investors looking to hold stocks in demat accounts with minimal charges.
First-time investors, who prefer a guided, all-in-one investing setup.
Existing IDFC FIRST Bank customers seeking an effortless way to start dealing in securities markets.
Eligibility Criteria for Opening a 3-in-1 Account
To open an IDFC FIRST Bank 3-in-1 account, you must meet the following criteria:
For online account opening:
- Minimum age: 18 years
- Must be an Indian resident
- Completed KYC (PAN, Aadhaar, photograph, address proof)
- Have an active IDFC FIRST Bank savings account
For offline application:
- Available for joint, NRI, minor (with guardian), HUF, LLP, private limited, partnership, and trust accounts
- Active IDFC FIRST Bank savings or current account
- KYC compliance as per regulatory guidelines
How to Open a 3-in-1 Account
Opening an IDFC FIRST Bank 3-in-1 account is quick and fully digital for eligible customers.
- Get
Started - Verify
Details - Complete
Setup
Login to IDFC FIRST
bank
Mobile
app
Click
on Accounts
Select
Investments
Click on
3-in-1 account
Scan
to open now
Once set up, your bank, demat, and trading accounts are seamlessly linked, so you can start investing without delays.
Open Now Open Account* Digital journey is only available on the IDFC FIRST Bank mobile app, to existing IDFC FIRST Bank Savings Account holders.
Fees & Charges
The IDFC FIRST Bank 3-in-1 account offers clear pricing with no hidden costs.
Charges Type
Charges Type
Account Opening
₹0
Demat AMC
Year 1 - ₹0
Year 2 onwards - ₹500
Demat debit charges
₹5 per transaction
Fund transfer via payment gateway
₹0
Brokerage Charges
*Powered by Motilal Oswal Financial Services Limited
All charges are exclusive of GST.
Click here for more information.
Trading Account and Research support powered by Motilal Oswal Services Limited Depository Participant name: IDFC FIRST Bank Limited DP ID: IN304203 SEBI Registration Number: IN-DP-321-2017 Trading Partner Name: Motilal Oswal Financial Services Ltd (MOFSL*) MOFSL SEBI Registration Number: INZ000158836
Things you should know
Update Nomination in your Demat account: Click here
Register on NSDL ideas: Click here to Change email address, download statement, Add beneficiary to your demat account, access e-voting, 26 AS, margin pledge.
Download NSDL Speed-e Mobile App to view and download Demat statements, Nomination update, e- Voting, margin pledge initiation and Off Market OTP confirmation
Email to designated email IDs of Depositary relations@nsdl.com
SEBI SCORES Mobile App - Google Play store
You may submit your queries/complaints by visiting the Customer Service link or you can write to us on demat_support@idfcfirstbank.com
Close your Demat Account online and transfer securities from one NSDL DP to another NSDL DP : Click here
NSDL e-Voting platform: Click here
Demat Escalation Matrix: Click here
Online Dispute Resolution Portal: Click here
Prevent Unauthorized Transactions in your demat account
List of Trading Holidays: Click here
Frequently Asked Questions
All
3-in1 Account Proposition
Hold & Release of Funds/Block Model
Buying Shares via MOFSL RISE App
Viewing & Selling Shares on MOFSL RISE Trading App
Portfolio Update feature on MOFSL Web platform
Other FAQs
3-in1 Account Proposition
Demat account Benefits
What is a 3-in-1 account?
A 3-in-1 Account combines the following:
• Savings Account offered by IDFC First Bank
• Demat Account offered by IDFC First Bank
• Trading Account offered by Motilal Oswal Financial Services Limited
Do I need to transfer funds to a broker wallet?
No. The Hold & Release feature lets you place buy orders directly from your savings account. Funds are deducted only after your trade is completed.
What are the key charges for a 3-in-1 account?
• Account opening: ₹0
• Demat AMC: ₹0 (Year 1) | ₹500 (Year 2 onwards)
• Demat debit charges: ₹5 per transaction
(GST applicable as per norms)
Who provides trading and research services?
Trading and research are powered by Motilal Oswal Financial Services Ltd, a SEBI-registered intermediary.
How soon can I start trading after opening the account?
Individuals holding a Savings Account with IDFC FIRST Bank can enjoy quick digital onboarding on the IDFC FIRST Bank mobile app.
How can I close my demat account online?
Login to NSDL website by clicking on below : https://eservices.nsdl.com/iat-web/#/auth
Click to know step by step guide : Online-Demat-Account-closure-through-NSDL-Resident-004-1.pdf
What is the 'Hold & Release of Funds/Block Model' feature in the trading platform?
This feature allows users to block funds from their trading RISE App from linked IDFC First Bank account. The blocked amount is reserved for trading, and it will be automatically released at the end of the day (EOD) in case of no executed orders.
How do I block funds for trading?
Follow these steps on MOFSL RISE trading App:
Tap the wallet icon on the top right of the RISE app.
Select “Add Funds”.
Enter the amount to be blocked in the “Amount to Transfer” field.
If successful, a confirmation message will appear, and the blocked amount will be shown under “Block Funds with MOFSL”.
What is the minimum amount I can block?
The blocked amount should always be more than ₹100.
Can I release the blocked funds anytime?
No, funds are not released real-time. Funds will be released automatically at the End of Day (EOD). In case of any orders executed on the RISE App for purchase/sell, the required amount will get debited/credited.
How do I know if my fund block was successful?
You will receive a success message on the screen, and the blocked amount will be reflected in the “Block Funds with MOFSL” section.
What happens after I block funds?
Once funds are blocked:
• They are reserved for trading.
• You can place orders using the blocked amount.
• The funds will be released at EOD if not utilized.
I check the blocked amount on IDFC First Bank’s app?
• Yes, you can navigate to Accounts >> Click on Bank account number >> Hold funds
• Please note that all the blocked funds in the account will be of all purposes.
How do I buy shares using the RISE app from Motilal Oswal Financial Services?
To buy shares:
• Search for the stock (e.g., HDFCBANK)
• Select the stock from the search results
• Select the trade type Cash/Futures/Options
• Enter the quantity and price
• Confirm the order to execute the trade
When will the shares be credited to my Demat account?
Shares are credited to your IDFC FIRST Demat account within T+1 or T+2 days, depending on the settlement cycle.
Where can I view my existing securities in IDFC First bank’s demat on MOFSL trading app?
You can view your shares from:
• Home >> Watchlist
• Home >> Stocks
• Both sections display your current holdings and performance metrics.
How do I sell shares using the MOFSL RISE App?
To sell shares:
• Go to your Portfolio screen
• Tap on “Authorized Sell”
• Select the shares you want to sell
• Generate and enter the OTP to authorize the transfer
• Once transferred, you can proceed to place a sell order
Where can I view the shares available for sale?
Shares available in your IDFC FIRST Demat account are shown under the “Available to Sell” section in your portfolio.
Why is OTP required before selling shares?
OTP verification ensures that the transfer of shares for selling is secure and authorized by the account holder.
Can I sell shares immediately after authorizing them?
Yes, once the shares are successfully transferred using the OTP process, they become available for placing a sell order.
Is OTP verification mandatory every time I sell shares?
Yes, OTP verification is required each time you initiate a “Transfer to Sell” to ensure secure and authorised transactions
What is the Portfolio Update feature?
The Portfolio Update feature allows users to manually update their investment portfolio on:
• The MOFSL web platform
• The MOFSL RISE mobile app
How can I update my portfolio on the new MOFSL website?
To update your portfolio:
• Go to the Equity section
• Click on Buy Price
• You can enter details directly on-screen
Can I update my portfolio using the IDFC First bank mobile app?
No, you need to login to the MOFSL RIISE trading app to update portfolio.
When will the updated data reflect in my portfolio?
Any data entered or edited by users will be updated on a T+1 basis (next trading day)
How can I check my advisor’s details on the MOFSL RIISE mobile app?
Open the app and go to the Profile Menu.
Tap on Help & Support → Advisor Details to view your mapped advisor.
Where can I view my brokerage plan?
Brokerage plans are not available on the mobile app.
Visit the MOFSL web portal and navigate to:
Client Dashboard → Other Reports → Client Profile
How do I contact my MOFSL equity advisor?
Advisor’s contact details including name, phone number, and email ID are available in the app under Advisor Details.
Where can I raise service-related queries for MOFSL trading account?
You can write to query@motilaloswal.com
What is a 3-in-1 Account?
3-in-1 Account combines:
• Savings Account offered by IDFC First Bank
• Demat Account offered by IDFC First Bank
• Trading Account offered by Motilal Oswal Financial Services Limited
What are the advantages of a 3-in-1 Account?
• Zero account opening charges
• 1st Year Free Demat AMC
• Lowest Demat & Pledge charges
• Paperless onboarding
• Expert stock advice by Motilal Oswal Financial Service Limited Advisor
• Smart alerts and advanced trading tools
What are the features of the Trading Account?
• Trade in equities, commodities, futures & options
• Access execution algorithms for automated trading
• Benefit from instant payouts on share sales
How do I start online account opening journey from IDFC First Bank mobile app?
Login to IDFC First Bank app >> Home >> Investment >> Open 3-in-1 Account
What are the charges for opening IDFC First Bank 3-in-1 Account?
No charges for account opening
Can I open a new demat account from a 3-in-1 MOFSL journey if I already have a demat with IDFC First bank linked to ICICI Sec trading account?
• Yes, with MOFSL journey you can open new demat and trading account
• Post account opening, you can close the existing demat account and transfer the shares in the new demat account by using NSDL link Investor Account Transfer
Can I open a new demat account from a 3-in-1 MOFSL journey if I already have a standalone demat account with IDFC First bank?
• Yes, with MOFSL journey you can open new demat and trading account
• Post account opening, you can close the existing demat account and transfer the shares in the new demat account by using NSDL link Investor Account Transfer
Why is Demat account required?
Anyone looking to invest in stocks, bonds, mutual funds, or other securities needs a Demat account. It provides a secure and efficient way to store and manage your investments digitally, eliminating paperwork and simplifying transactions.
What are the features & benefits of a Demat Account?
A Demat account offers a secure, paperless way to hold your securities, eliminating risks like theft or loss. It simplifies share transfers, reduces transaction costs, and provides easy, anytime access to your investments. You also receive corporate benefits such as dividends and interest quickly, and can even avail loans against your holdings, making it a smart and convenient choice for investors.
What are the types of Demat Accounts?
Demat accounts are broadly classified into:
• Regular Demat Account: For Indian residents.
• Repatriable Demat Account: For NRIs, allowing funds to be transferred abroad.
• Non-Repatriable Demat Account: For NRIs without repatriation benefits.
• Basic Services Demat Account (BSDA): Designed for small investors with lower maintenance fees.