Open 3-in-1 NRI Demat, Trading & Bank Account in India

ICICI Bank offers demat accounts as an integrated 3-in-1 account that links the savings account, trading account and demat account for NRIs and other users. NRIs can open either NRE (Non-Resident External) or NRO (Non-Resident Ordinary) demat accounts, depending on the nature of the funds used for investments. An NRE demat account allows investments on a repatriable basis, meaning the funds and investment proceeds can be transferred abroad. An NRO demat account is used for non-repatriable investments, where funds generally remain in India. These accounts allow NRIs to invest in equities, IPOs, mutual funds, ETFs, and other market instruments through a single platform.

NRIs investing in Indian markets must follow regulatory guidelines such as the Portfolio Investment Scheme (PIS) under the Reserve Bank of India. Investments are routed through linked NRE or NRO accounts depending on whether the funds are repatriable or non-repatriable. Additionally, certain investments, such as equities or derivatives, may require specific account structures like PINS or Non-PINS accounts. Compliance with tax regulations and reporting requirements is also necessary when investing through an NRI Demat account.

ICICI Bank enables NRIs to invest through their 3-in-1 account. The platform integrates banking, demat, and trading functions through a single login, allowing investors to track portfolios, place trades and manage funds online. NRIs can invest in multiple products, including equities, derivatives, mutual funds, IPOs, ETFs and bonds, through the platform.

NRIs can open a demat account online by opening the ICICI Bank 3-in-1 account. The process involves completing an online application, submitting KYC documents such as a passport, a visa, overseas address proof, and a PAN (mandatory for Indian passport holders) and linking an NRE or NRO bank account. After verification and regulatory checks, the demat and trading accounts are activated, allowing NRIs to start investing in Indian markets.

Yes, NRIs can invest using a 3-in-1 account linked to their NRE/NRO account.

No charges for opening, nominal fees apply as per the rate card.

Only if invested via an NRE account; NRO-based investments are non-repatriable.

Login to Net Banking and follow:

Customer Service > Service Request > Bank Account Services > Convert your SB to NRI account (With/Without Demat and Trading account)

Yes, NRIs can apply while in India by visiting any ICICI Bank branch.

Login to Net Banking and follow:

Customer Service > Service Request > Bank Accounts Services > Open 3-in-1 (Saving/PIS, Demat & Trading Account)

NRIs can open a non-repatriable demat account linked to their NRO (Non-Resident Ordinary) bank account. This type of account is used when the investment funds originate from income earned in India. Investments made through an NRO-linked Demat account are generally considered non-repatriable, meaning the funds and proceeds are typically retained within India, subject to applicable regulations and limits.

An NRI share trading account allows NRIs to buy and sell shares listed on Indian stock exchanges such as NSE and BSE. The trading account is linked with an NRE or NRO bank account and a Demat account. When a trade is executed, funds are debited from the bank account and the purchased shares are credited to the demat account, creating a streamlined investment process.

NRIs can open a demat account linked to their NRE (Non-Resident External) bank account to invest on a repatriable basis. This means the invested capital and returns may be transferred abroad, subject to applicable regulations. The NRE demat account allows NRIs to invest in shares, IPOs, mutual funds and other market instruments available in the Indian capital markets.