3-in-1
Savings and
Investment Account

Single app for gif

Savings
Account

Get 7.75%* interest

Monthly payment of interest on savings
Zero-balance savings account

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Trading
Account

Flat ₹11 per order

Zero account opening charges
Block funds facility for Stock and
Derivative trading

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Demat
Account

₹0 AMC for lifetime

DP charges ₹11 per scrip
Securely regulated with CDSL

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Invest Your Interest

Earn up to 15%* extra on your
savings with Torus Digital!

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Torus Digital Ecosystem

Stocks

Derivatives

Bill Payments

Advisory

Mutual funds

Online Shopping

Products We Offer

Margin Trading Facility

About Torus Group

Founded on a profound commitment to the well-being of individuals, Torus Group has been driven by a singular vision to DEMOCRATIZE WELLNESS. Our comprehensive approach encompasses the interconnected dimensions of mental, physical, and financial well-being, recognizing that each aspect plays a vital role in achieving overall wellness.

torus wealth

Unlock financial freedom with our investment opportunities and wealth-building tools.

torus Health

Prioritize your well-being with personalised health plans and wellness resources.

torus Learn

Invest in yourself with educational programs and resources to expand your knowledge and skills.

Growth Story That Speaks For Itself…

₹1,335 Cr

Net Worth

150+

Employees

10+

Locations

₹8,300 Cr

Non Discretionary AUM

Testimonials

Real users, real results, real success stories!

Outstanding trading experience with Torus Digital Smooth onboarding process in 6 mins User friendly interface Accurate portfolio Real time data Excellent customer support Much much better than Zerodha & Angel. Overall a top tier mobile app that offers everything a trader could need. Highly recommended..👍

Hemant_Patil1

July 30, 2024 ★★★★★

A Must Have App Love the onboarding process. I did not even have to upload any document and completed my process within 6mins. It also offers a variety of wealth products to make financial decisions easier. Really a must have application for your investments and savings!! Totally recommended!!

Shweta_I3006

August 27, 2024 ★★★★★

Good experience It is a very good platform. The overall experience is smooth with some amazing features. I came on to this app because it offers almost all the products where I can invest in, like Trading, Advisory, Mutual Funds, and even Banking, all at the same place.

Awadhi Jain

August 27, 2024 ★★★★★

Excellent experience with Torus! Affordable brokerage fee of ₹11 and a user-friendly platform make trading a breeze.

Abhishek Kumar

August 5, 2024 ★★★★★

Amazing app, works very smoothly and has lots of features which helps in knowing more about the stock, going to other sites like NSE and BSE sites is not required much

Gloria Fernandes

August 5, 2024 ★★★★★

Great app with an easy-to-use interface and low brokerage charges

Sayali Nagwekar

August 23, 2024 ★★★★★

I was completely impressed with the app and other features . Highly recommend .

Shraddha Kamble

August 5, 2024 ★★★★★

Affordable brokerage, easy to operate, best of all I have tried 👍🏻

Iqra Khan

August 5, 2024 ★★★★★

Frequently Asked Questions

1. What is a 3-in-1 account?

A 3-in-1 account is a financial account combining three key services into one, that is banking, trading and demat. This one-stop platform enables you to effortlessly manage all your banking, investment, and trading activities in one convenient location.

2. Who should open a 3-in-1 account?

Any resident individual over the age of 18 with a valid Aadhar card and PAN card is eligible to open a 3-in-1 account. This account is ideal for those seeking a streamlined approach to managing their banking, investment, and trading needs in one place.

3. How does a 3-in-1 account work?

A 3-in-1 account seamlessly connects your savings, trading, and Demat accounts for smooth transactions. When you buy or sell securities, the process is automatic:
• When you purchase shares, funds are transferred from your savings account to your trading account.
• Once the purchase is completed, the shares are then moved to your Demat account.
This integration simplifies your investment experience, allowing you to manage your finances, trades, and securities all in one place without any hassle.

4. What are the benefits of a 3-in-1 account?

A 3-in-1 account offers several advantages, including:
• Seamless Fund Transfers : It allows for quick and easy transfers between your savings, trading, and Demat accounts, making it ideal for trading activities.
• Convenience :You can manage all your financial needs in one place, simplifying your banking experience.
• Real-time Trading :Enjoy instant access to your funds for trading, ensuring you can take advantage of market opportunities without delays.
• Increased Efficiency:With all accounts linked, you save time on transactions, allowing you to focus on your investments.
Overall, a 3-in-1 account streamlines your financial processes, making trading and managing your money more efficient.

5. Do I need to open three separate accounts?

No, you do not need to open separate accounts for saving, trading, and demat. The 3-in-1 account is specifically designed to eliminate the hassle of managing multiple accounts. It seamlessly combines your savings, trading, and demat accounts into one platform, meaning that you can efficiently handle all your banking, investing, and trading needs from a single account.

6. What are the applicable charges on opening a 3-in-1 account?

While the charges for opening a 3-in-1 account may vary depending on your financial institution, Torus Digital allows you to open a 3-in-1 account for absolutely no cost. Plus, you get to enjoy lifetime freedom from paying annual maintenance charges. Enjoy a budget-friendly savings and investment experience with Torus Digital!

7. What is the difference between a 3-in-1 account and a traditional account?

The primary differences between a 3-in-1 account and traditional accounts lie in their structure, convenience, and functionality.
A 3-in-1 account combines savings, trading, and demat accounts into one unified platform, allowing for seamless transfer of funds between these three functionalities without the need to manage multiple accounts.
On the other hand, traditional accounts are maintained separately involving three individual accounts for savings, trading, and demat. Under this format, the user is required to move funds manually between the three accounts.
Here's a comparison between a 3-in-1 account and traditional accounts:

Feature	3-in-1 Account	Traditional Accounts
Integration	Combines savings, trading, and demat accounts into one	Separate accounts for savings, trading, and demat
Fund Transfers	Instant and seamless transfers between accounts	Transfers may take longer and require manual processes
Management	Unified platform for easy management	Requires managing multiple accounts separately
Convenience	One account for all financial activities	Multiple accounts can lead to confusion and complexity
Real-time Access	Immediate access to funds for trading	Access may vary depending on the account type
Documentation	Simplified documentation process	More paperwork needed for multiple accounts
Cost	Often lower maintenance fees	Potentially higher fees due to multiple accounts

8. How to open a 3-in-1 Account?

You can open a 3-in-1 account with Torus Digital in just 6 minutes through a 100% digital onboarding process.
Step 1:Download the Torus SuperApp.
Step 2:Create your profile using your mobile number and email. Set up an mPIN for added security.
Step 3:Fill in your personal details, including your name, and email address.
Step 4:Complete the e-KYC process by entering your KYC information.
Step 5:Add your nominee details for account management.
Step 6:Finalize your setup with an e-signature, and your 3-in-1 account is ready to use!

9. What are the key features of a 3-in-1 account?

Torus Digital's 3-in-1 account is a powerhouse of exciting and valuable features designed to enhance your financial experience. By accessing 3-in-1 account opening online through the Torus SuperApp, you can unlock a world of benefits, including:
3-in-1 Savings Account
• Higher interest rate of up to 7.75% p.a.
• Monthly payment of interest on savings
• Zero-balance savings account
3-in-1 Trading Account
• Lower trading charges at ₹ 11 per order
• Zero account opening charges
• Zero-balance savings account• Zero account opening charges
3-in-1 Demat Account
• Zero AMC for lifetime
• Lower DP charges ₹ 11 per scrip
• Securely regulated with CDSL
Additionally, take advantage of Torus Digital’s "Invest Your Interest" offering—a unique feature that enables you to invest the monthly interest earned from your savings account directly into selected ETFs, starting only at ₹27. This innovative facility provides a great opportunity to enhance your earnings and grow your wealth effortlessly.

Get started with us today and
start building your wealth journey

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* Disclaimer: Torus Financial Markets Pvt. Ltd. is the authorized broking partner of Torus Digital Pvt Ltd, responsible for the opening of trading and demat accounts and the execution of trades.

3-in-1 Savings and Investment Account

All About Torus Digital 3-in-1 Account

Savings Account

Trading Account

Demat Account

Invest Your Interest

Torus Digital Ecosystem

Products We Offer

About Torus Group

torus wealth

torus Health

torus Learn

Growth Story That Speaks For Itself…

₹1,335 Cr

150+

10+

₹8,300 Cr

Frequently Asked Questions

Get started with our app

Get started with us today and start building your wealth journey

Select Bank Account

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3-in-1
Savings and
Investment Account

Savings
Account

Trading
Account

Demat
Account

Get started with us today and
start building your wealth journey