All You Need to Know About Torus Digital 3-in-1 Account

24.Apr.2025
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Managing finances can be difficult, especially when you have to handle separate accounts for banking, trading, and investments. Traditionally, this process takes time and can be confusing. However, Torus Digital’s 3-in-1 account simplifies financial management by combining all three functions into one easy-to-use platform.

In this article, we will walk you through everything you need to know about the Torus Digital 3-in-1 account. We’ll explore its features, benefits, and why it is the right choice for your financial needs.

Understanding the Torus Digital 3-in-1 Account

Torus Digital’s 3-in-1 Savings & Investment account seamlessly integrates savings, trading, and Demat accounts into one unified platform. Managing separate accounts for savings, trading, and Demat traditionally means dealing separately with banks and brokers, which can be time-consuming. This often involves manually transferring funds from your savings account to your trading account, which can take hours or even a day. Torus Digital’s 3-in-1 account eliminates this hassle with seamless transfer. With Torus Digital, you can effortlessly buy and sell stocks through your trading account, securely store them in your Demat account, and manage all your financial transactions directly from your savings account.

Whenever you buy shares, funds are instantly transferred from your savings account to your trading account, and the stocks are automatically moved to your Demat account. This deeply integrated system not only saves you time but also simplifies your financial management, providing a more efficient and streamlined trading experience.

How does the Torus Digital 3-in-1 Account Function?

The Torus Digital 3-in-1 Account functions as a central hub for all your financial needs. It integrates three essential accounts — a savings account, a trading account, and a Demat account — into one platform. Here’s how it works:

Seamless Transfers: Fund transfers between your savings and trading accounts are instant and effortless. This means you can quickly move money from your savings to your trading account and start investing without delay.

Unified Access: The platform gives you immediate access to your funds, allowing you to make transactions and trade without any holdups.

Real-Time Trading: Since your funds are linked to the trading account, you can immediately take advantage of market opportunities, making it easier to buy and sell stocks, derivatives, and IPOs.

Easy Management: Managing your finances becomes much simpler as everything is housed in one account, providing a clear overview of your banking, trading, and investment activities.

Reasons to Choose the Torus Digital 3-in-1 Account

The Torus Digital 3-in-1 Account offers several benefits that simplify financial management. Some of the key benefits include:

7.75%* Attractive Annual Interest: Earn up to 7.75%* on your savings with one of the highest interest rates available in the market, plus enjoy a ₹0 AMC for your account.
Monthly Interest Payouts: Unlike the quarterly payouts offered by many banks, enjoy monthly interest credits for quicker access to your earnings.

₹11 Flat Rate Per Order Trading: Enjoy trading stocks and derivatives for as low as ₹11 per order, making it a cost-effective option for all traders.

₹0 AMC Lifetime for 3 in 1 Demat Account: The ₹0 AMC lifetime (Zero Annual Maintenance Charges) for your Demat account is one of the many benefits, it will save you funds over time.

Earn 15% extraa with Invest Your Interest: Earn up to 15%* extra by investing the interest earned from your savings directly into selected ETFs, starting at just ₹27, and grow your wealth effortlessly.

Seamless Block Funds: Trade in stocks directly from your savings account while continuing to earn monthly interest on your savings balance amount.

Flexible Margin Trading Facility: Use your shares as collateral for a 100% margin on derivatives with no holding period. Choose from 700+ stocks and carry positions overnight with no extra fees. Pay just 20% of the stock’s value, while Torus covers 80%, with interest rates starting at 0.03%* daily.

Easy Pledge/Unpledge for Margin Benefit: Access margin benefits for just ₹21 by pledging your stocks, mutual funds, bonds, and G-secs.

Who Should Open a Torus Digital 3-in-1 Account?

The Torus Digital 3-in-1 Account is ideal for individuals looking to simplify the management of banking, trading, and investment activities. To open the account, you must be above the age of 18 and have a valid Aadhar card and PAN card. This account makes it easy to manage your finances, whether you’re a seasoned investor or a beginner who wants to keep your financial activities organised.

Difference Between Torus Digital 3-in-1 account and a regular trading & Demat account

Let’s understand the key differences between a Torus Digital 3-in-1 and a regular trading and Demat account.

Feature	Torus Digital 3-in-1 Account	Regular Trading & Demat A/c
Integration	A 3-in-1 account merges savings, trading, and Demat accounts into one platform.	Traditional accounts combine trading and Demat accounts, but they lack integration with a savings account.
Fund Transfers	Transfers between accounts are instant and seamless.	Fund transfers may take longer and require manual handling.
Management	A unified platform allows for easy account management.	Separate accounts require individual management for each function.
Convenience	One account manages all financial activities, eliminating the confusion and complexity of managing multiple accounts.	Managing multiple accounts can cause confusion and complexity.
Real-time Access	Immediate access to funds for trading is available.	Funds must be manually transferred from savings to trading accounts.
Documentation	100% digital documentation process to simplify the account opening procedure.	Managing separate accounts requires more paperwork.
Trading Charges & AMC	Trading orders are priced at just ₹11 per order, with no maintenance fees for the account.	Trading charges are usually around ₹20 per order, in addition to annual maintenance fees.

Conclusion

Managing your finances can be complicated, but the Torus Digital 3-in-1 Savings & Investment Account simplifies all your banking, trading, and Demat needs into one platform. It offers up to 7.75%* p.a. Savings interest, lifetime freedom from AMC, ₹11 trading charges, the ability to invest your interest, block funds facility, margin trading and pledging facility, and more, making it a user-friendly choice for managing your finances.

Choosing the Torus Digital 3-in-1 account will enhance efficiency and provide improved flexibility. It’s an ideal option for anyone looking to manage savings, investments, and trades in a more organised and cost-effective way.

FAQs on Torus Digital 3-in-1 Account

What is a 3-in-1 Account?

A Torus Digital 3-in-1 account combines a savings account, trading account, and Demat accounts into a single platform for easier financial management.

How does a 3-in-1 Account work?

The Torus Digital 3-in-1 account allows for seamless fund transfers between your savings, trading, and Demat accounts, providing instant access to your funds for trading and investment purposes.