Best Full-Service & 3-in-1 Demat Accounts in India (2026)

Prefer your bank, demat and trading account linked together with research and a branch to call? Full-service and 3-in-1 accounts cost more but bundle everything in one place.

Our top pick for this is Angel One — A full-featured app that blends discount pricing with research and advisory. Zero account opening, free first-year AMC and a feature-rich platform make it a strong all-rounder for Indian investors.

#NameScoreAccount OpeningDemat AMCDelivery BrokerageIntraday & F&O
3Angel One8.8/10₹0 (free)₹240 / yr (1st yr free)₹0 (free)₹20 or 0.25% (lower)
7ICICI Direct8.0/10₹0 (free)₹300–700 / yr (plan)0.29% (or ₹20 Neo plan)₹20 (Neo plan)
8HDFC Sky7.9/10₹0 (free)₹0 (basic plan)₹20 / order₹20 / order
9Kotak Neo7.8/10₹0 (free)₹300 / yr₹0 (free)₹10–20 per order
3

Angel One

A full-featured app that blends discount pricing with research and advisory. Zero account opening, free first-year AMC and a feature-rich platform make it a strong all-rounder for Indian investors.

8.8
/ 10
Account Opening
₹0 (free)
Demat AMC
₹240 / yr (1st yr free)
Delivery Brokerage
₹0 (free)
Intraday & F&O
₹20 or 0.25% (lower)
  • Free equity delivery
  • Research, advisory & smart-API
  • First-year AMC waived
  • Large branch + support network
  • Higher intraday % rate than peers
  • App can feel feature-heavy for beginners
  • Upsell of advisory products
Open account Official site
7

ICICI Direct

The best-known 3-in-1 account, linking your ICICI bank, demat and trading seamlessly. Pricier than discount brokers, but the integration, research and trust appeal to long-term and first-time investors who bank with ICICI.

8.0
/ 10
Account Opening
₹0 (free)
Demat AMC
₹300–700 / yr (plan)
Delivery Brokerage
0.29% (or ₹20 Neo plan)
Intraday & F&O
₹20 (Neo plan)
  • Seamless 3-in-1 bank + demat + trading
  • Strong research & advisory
  • Trusted full-service brand
  • Good for hands-off investors
  • Default brokerage is high
  • Cheaper rates need a paid plan
  • Heavier app
Open account Official site
8

HDFC Sky

HDFC Securities' modern discount app, bringing flat-fee trading and the trust of HDFC to cost-conscious investors who want a bank-backed broker.

7.9
/ 10
Account Opening
₹0 (free)
Demat AMC
₹0 (basic plan)
Delivery Brokerage
₹20 / order
Intraday & F&O
₹20 / order
  • Backed by HDFC
  • Flat ₹20 trades
  • Zero AMC on basic plan
  • All segments in one app
  • Newer app, still maturing
  • Fewer power-user tools
  • Premium plan for lowest rates
Open account Official site
9

Kotak Neo

Kotak Securities' discount platform offering free intraday trades and a bank-backed 3-in-1 setup for Kotak customers, with a fast, redesigned app.

7.8
/ 10
Account Opening
₹0 (free)
Demat AMC
₹300 / yr
Delivery Brokerage
₹0 (free)
Intraday & F&O
₹10–20 per order
  • Free delivery on the Neo plan
  • Bank-backed 3-in-1 for Kotak users
  • Fast Neo app
  • Low intraday charges
  • ₹300/yr AMC
  • Best value if you bank with Kotak
  • Support can be slow
Open account Official site

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Charges verified June 2026 from each broker's official site; they can change — confirm before opening. Information only, not financial advice.