Upstox 3-in-1 Account

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Upstox 3-in-1 Account is an integrated platform of Demat + Trading + IndusInd Bank Account. As Upstox offers such facility through collaboration with IndusInd Bank therefore, also referred as IndusStox 3-in-1 Account. Open Free Trading & Demat Account and link it with IndusInd Bank account (Upstox IndusInd Bank 3-in-1 Account) to enjoy seamless trading, investment and banking experience. Get the complete information about how to open Upstox IndusInd Bank 3-in-1 account, account opening charges, benefits, and more.

Upstox 3-in-1 Account Benefits

Opening Upstox IndusInd Bank 3-in-1 Account serves the following benefits to users;

  • Single account to trade in stocks, F&O, commodity, currency, digital gold, mutual funds, etc.
  • Zero brokerage on investing in stocks (delivery), digital gold, IPO, and Mutual Funds.
  • 20 per order brokerage on intraday and F&O trading segments.
  • Free call & trade facility upto 10 calls in a month and afterwards charges Rs. 20 each call.
  • No minimum balance requirements in IndusInd saving bank account.
  • Smart fund transfer facility with no upper cap limit on the maximum fund transfer.
  • Earn interest on funds that you have allocated for trading but still unused.
  • My Account My Number (MAMN) to get customized account number.
  • Earn virtual reward on all the debit card transactions, redeemable to pay Upstox brokerage charges.

How to Open Upstox 3-in-1 Account?

IndusStox 3-in-1 account can be opened online instantly within a few steps and offers the low-cost trading experience to customers.

Steps to open Upstox IndusInd Bank 3-in-1 Account:

  1. Go to the Upstox 3-in-1 Account opening page
  2. Enter mobile number and E-mail ID and verify it with OTP.
  3. Upstox IndusInd Bank 3-in-1 Account
  4. Enter PAN Number and DOB as per PAN, and then press the “Submit” option.
  5. Upstox 3-in-1 Account Verification
  6. The system will automatically fetch PAN details and bank details automatically.
  7. Enter personal details like sex, marital status, annual income, trading experience, etc.
  8. Upstox 3-in-1 Account Personal Details
  9. Select your trading preference i.e. equity, F&O; currency, and Commodity.
  10. Upstox Trading Segment
  11. Upload documents like signature and income proof (only required for F&O segment).
  12. Click on the “e-sign with Aadhaar OTP” process (mobile number must be linked with the aadhaar card), otherwise, download the form and courier it to the Upstox headoffice.
  13. Once e-sign process is complete, upload aadhaar card front and back side to create bank account.
  14. Complete Upstox IPV process by uploading a video of yourself showing PAN card just next to your face.
  15. Once IPV is done, enter bank account details like branch, nominee details, etc.
  16. Upstox 3-in-1 Account will be now ready for use that bundled Upstox Demat & Trading account and Indusind Bank account in one!

Upstox 3-in-1 Account Opening Charges

Opening IndusStox 3-in-1 Account with Upstox is absolutely free at zero charges.

Upstox Demat Account Opening Fee Free
Upstox Trading Account Opening charges Free
IndusInd Bank Account Opening charges Free
Upstox Trading Account AMC Free
Upstox Demat Account AMC Rs. 300 per annum (Rs. 25 per month)

Upstox 3-in-1 Account Brokerage

Equity Delivery Free
Equity Intraday Rs. 20 per order or 0.05% whichever is lower
Equity Futures Rs. 20 per order or 0.05% (whichever is lower)
Equity Options Rs. 20 per order
Commodity Futures Rs. 20 per executed order or 0.05% (whichever is lower)
Commodity Options Flat Rs. 20 per executed order
Currency futures Flat Rs. 20 per order or 0.05% (whichever is lower)
Currency Options Flat Rs. 20 per executed order
Mutual Fund Free
Digital Gold Free

Upstox 3-in-1 Account Opening Documents

To open an IndusStox 3-in-1 account, a client has to submit the following set of documents mandatorily;

  • PAN Card.
  • Aadhaar card.
  • Applicant’s signature.
  • IPV process.

Upstox 3-in-1 Account Login

Upstox offers a simple login process through the below steps;

  1. Go to the Upstox platform.
  2. Click on the “Login” option.
  3. Enter Upstox user ID and password to log in to your account.

Upstox 3-in-1 Account Customer Care Number

Upstox 3-in-1 account customer care support +91-22-6130-9999
Upstox 3-in-1 account customer support e-mail [email protected]

Last updated on 2nd Jun 2021



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  1. 1. Does Upstox provide a 3-in-1 account opening facility?

    Yes, Upstox provides a 3-in-1 account opening facility to clients. As the broker offers such a facility through a tie-up with IndusInd Bank, therefore, its 3-in-1 account is called as IndusStox 3-in-1 account, an integrated platform for Upstox Demat Account, Upstox Trading Account, and IndusInd Bank Account. Anyone can open a free 3-in-1 account with Upstox at zero charges.



  2. 2. How to open Upstox 3-in-1 Account online?

    You can open an Upstox 3-in-1 Account online that saves your time and offers greater convenience.

    Steps to open Upstox/IndusStox 3-in-1 account;

    • Enter fields such as mobile number & Email ID.
    • Complete OTP based verification process.
    • Enter personal details i.e. PAN Card, birthdate, gender, income etc.
    • Upload PAN Card, signature etc.
    • Complete E-sign process through Aadhaar based verification process.
    • Complete In-person verification process.
    • Send POA to the broker and start Trading.



  3. 3. What is Upstox/IndusStox 3-in-1 account Smart Transfer?

    Smart Transfer on IndusStox/Upstox 3-in-1 account is a unique feature that facilitates traders to trade without any need to transfer funds externally from their IndusInd savings bank account to Upstox Trading Account. Unlike normal circumstances where clients have to transfer money from their bank account to trading account, in a Smart Transfer facility, users just have to allocate funds for trading purposes without any fund transfer fee. For instance, a client has Rs. 800,000 in his IndusInd bank account and wants to execute trade worth Rs. 300,000 then he will just allocate the amount for trading on a single click without its actual transfer to the trading account. The best part is till the time you havenít used the allocated money or used only a partial amount like Rs. 100,000 then on the remaining balance worth Rs. 200,000 along with your savings bank account balance, in this case, it is Rs. 500,000, you will earn interest. By the end of the day, left or unused money is credited to the bank account.



  4. 4. What are Upstox 3-in-1 account brokerage charges?

    Upstox has pioneered low-cost brokerage plans. It charges zero brokerage for equity delivery means the broker offers free delivery trades, however, trading in other segments such as intraday trade and futures & options are charged at a maximum of Rs. 20 each order.



  5. 5. Who can open Upstox 3-in-1 Account?

    Indian residents as well as NRIs can open Upstox IndusInd Bank 3-in-1 account (Demat + Trading + Bank A/c). The single account allows customers to trade & invest in multiple segments i.e. shares, futures & options, commodities, currency, IPO, digital gold, and mutual funds. Upstox charges maximum Rs. 20 per executed order brokerage on intraday and F&O trading.



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