The Smart Way to Save, Trade & Invest
Torus Digital’s 3-in-1 Account brings together a savings account, a trading account, and a demat account—deeply integrated to simplify investing, trading, and fund management on a single platform.
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Earn higher interest rates of up to 7.75%*
per year on your savings account.
Trade stocks and derivatives at a flat rate of ₹11 per
order, making it simple and cost-effective.
Save more with zero annual maintenance charges
(AMC) for your 3-in-1 account.
Reinvest your savings interest into selected
ETFs and earn up to 15%* extra—starting
with just ₹27.
Block funds and trade directly from your savings account while continuing to earn interest on your savings balance.
Open your 3-in-1 account in just 6 minutes—faster than your food delivery!
Step 1
Register using your mobile no. and email ID on Torus SuperApp.
Set-up a 4-digit security code.
Step 2
Open your Savings Account with Aadhaar card.
Step 3
Open your Investment Account (Trading and Demat) using your Aadhaar and Pan number.
A 3-in-1 A/c is a powerful financial tool that combines three essential services into one integrated solution. It typically includes:
This is your regular bank account, used for storing funds. In a 3-in-1 savings account, this component enables smooth money transfers for your trading activities and receives any credits from share sales or dividends.
The 3-in-1 trading account is where all buying and selling of stocks happens. It serves as the transaction gateway between your savings and demat account, allowing you to execute trades in real time.
A 3-in-1 demat account stores your shares, mutual funds, and other securities in a digital format. This eliminates the need for physical certificates and simplifies portfolio management. Some also refer to this as a 3-in-1 demat account.
Opening a 3-in-1 account provides multiple advantages to both new and seasoned investors:
No need to juggle between multiple platforms. A 3-in-1 A/c integrates banking, trading, and dematerialization, making it easier to manage finances and investments from one place.
The link between the 3-in-1 savings account and the trading platform ensures automatic fund movement for faster trade execution.
The connected ecosystem of a 3-in-1 A/c allows for swift and efficient settlement of trades.
Most providers allow for 3-in-1 account opening online, which means you can complete the process from the comfort of your home with minimal documentation.
The connected ecosystem of a 3-in-1 A/c allows for swift and efficient settlement of trades.
A 3-in-1 A/c is especially beneficial for first-time investors looking for a simplified experience in the stock market.
With a demat account, your securities are held digitally, reducing risks associated with physical certificates.
Keep track of all transactions — from bank balances to portfolio performance — through a single dashboard.
You can apply for 3-in-1 account online or offline, depending on your preference. Several financial institutions now offer the option to open 3-in-1 account instantly through digital onboarding.
Whether you're an active trader or a long-term investor, a 3-in-1 A/c offers unmatched convenience, control, and efficiency in your financial journey
Anyone aged 18 or above with a valid Aadhaar and PAN card can apply. Whether you’re a beginner or a seasoned investor, a 3-in-1 account helps you manage everything in one place.
These documents are essential for completing the eKYC process and activating your account
Once submitted, your 3-in-1 A/c can be activated instantly, allowing you to manage your savings, trading, and demat activities on a single integrated platform.
If you’re tired of juggling multiple accounts and want a smarter way to manage your money, the Torus Digital 3-in-1 A/c is for you. From new investors to active traders, it’s built for anyone looking to save, invest, and grow—all from one account.
If you’re tired of juggling multiple accounts and want a smarter way to manage your money, the Torus Digital 3-in-1 A/c is for you. From new investors to active traders, it’s built for anyone looking to save, invest, and grow—all from one account.
| Feature | Torus Digital 3-in-1 A/c | Regular Trading & Demat A/c |
|---|---|---|
| Integration | Savings, Trading & Demat in one | Only Trading & Demat |
| Fund Transfers | Instant, seamless | Manual, delayed |
| Account Management | One app for all | Multiple platforms |
| Trading Charges | ₹11 flat per order | ₹20+ per order |
| Annual Maintenance Charges | ₹0 AMC for life | Applicable |
| Documentation & Setup | Fully digital (open in 6 minutes) | Often semi-manual |
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..👍
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!!
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.
Excellent experience with Torus! Affordable brokerage fee of ₹11 and a user-friendly platform make trading a breeze.
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
Great app with an easy-to-use interface and low brokerage charges
I was completely impressed with the app and other features . Highly recommend .
Affordable brokerage, easy to operate, best of all I have tried 👍🏻
Registration Details
Torus Digital Private Limited
CIN:- U72900MH2021PTC359702
Torus Financial Markets Private Limited
SEBI Registration No’s:- StockBroker-INZ000299936 |
CDSL DP
IN-DP-664-2022 | Research Analyst –
INH000008695
AMFI ARN (Corporate):- 241161 | BSE MFD :- 56221
BSE Member ID (Cash & Derivative):- 6761 |
NSE Member ID (Cash & Derivative):- 90245, CMID:M70022
CIN:- U65990MH2021PTC356714
Registered & Correspondence Address
Torus Digital Private Limited/
Torus Financial Markets Private Limited
2nd floor, ICC Chambers-II, Saki Vihar Road,
Near MTNL office,
Powai, Mumbai - 400072
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