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Key Benefits & Features of InvestRight 2-in-1 Demat Account

Account Features

  • Simplified Transactions
    Linking Savings Account with Demat account ensures a seamless transaction experience. Funds are directly debited from your Savings Account, making investing faster and more convenient.
  • Enhanced Safety and Security
    Demat Accounts store shares and securities electronically, eliminating risks associated with physical certificates such as loss, theft, or damage. HDFC Bank’s robust security systems provide an added layer of protection for investments.
  • Ease of Management
    With all your investments in one place, managing portfolio is easier. With access through the InvestRight App, Net Banking, and Mobile Banking, you can monitor your portfolio and make informed decisions anytime, anywhere.
  • Wide Range of Investment Options
    With an HDFC Bank Demat Account, you can invest in a variety of assets, including equities, mutual funds, bonds, and exchange-traded funds (ETFs). This offer flexibility and diversification to suit your financial goals.
Fees & Charges

Account Benefits

The HDFC Bank’s 2-in-1 Demat Account offers numerous advantages: 

  • Preferential pricing 

Premier Banking customers receive special rates and discounts on Account Maintenance Charges (AMC). Additionally, as a HDFC Bank Savings Account holder you enjoy a first-year AMC waiver when opening a new Demat Account. 

  • Basket Investing 

You can build long-term wealth with a diversified, professionally curated portfolio. You can invest in multiple stocks and ETFs simultaneously using the convenient one-click investment feature. 

  • Digital Loan Facility

You can pledge your shares and mutual funds for a fast digital loan. This gives you quick financing access while retaining your valuable assets without liquidation. 

Most Important Terms & Conditions

How to Open a Demat Account Online?

You can open InvestRight 2-in-1 Demat Account by the following simple steps:

  • Mobile Number and Email ID Verification
  • Digi-Locker Authentication
  • Selection of Trading Preferences and Brokerage Plan
  • Add Nominee
  • Live Selfie Verification
  • eSign the Application
Most Important Terms & Conditions

Fees & Charges

Plan Name Platina Premia Maxima Optima
Client Segment - Ethnic Code/ Product code Infiniti / Imperia / Speciale Platinum / MAMC / Speciale Sr. Citizen Preferred / Speciale Gold Classic / Prime / SB Max Non Managed/
Others
AOC Charges (exclusive GST) 0 0 0 999
Free Cash Volume (₹) 25,00,000 12,00,000 5,00,000 2,00,000
Validity of Free Volume 90 days 90 days 90 days 90 days
Delivery Brokerage % 10P 15P 20P 30P
Intraday Brokerage % 0.01% 0.02% 0.02% 0.03%
Min Brokerage (₹) 10 15 20 25
ETF 0 0 0 0


Click here to more details about the Fees and Charges

Most Important Terms & Conditions

Most Important Terms & Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms & Conditions

Wondering if you are eligible?

Online Journey

  • Minimum age: 18 years.
  • Must be an Indian resident.
  • Must complete KYC (PAN, Aadhaar, photo, proof of address).
  • Must have an active HDFC Bank Savings or Salary Account.

Offline Application

  • No minimum age, Minors need a guardian
  • Joint Demat account can be open
  • Must have an active HDFC Bank Savings or Salary Account
  • KYC compliant (Proof of Identity & Address and Bank Proof)
investright

Documents required to get you started

Online Application:

  • PAN
  • Aadhaar eKYC through Digilocker
  • Scanned signature & Live selfie
  • eSign (Aadhar based)

Offline Application:

  • Proof of Identity (POI): PAN
  • Proof of Address (POA): Aadhaar Card / Voter ID Card/ Passport/ Driving License/ Utility Bills (Electricity, Water, Gas) for latest 3 months/ Bank Statements or Passbook/ NREGA Job Card/ National Population Register letter containing demographic details
  • Proof of Income for Future and Options trading: Salary Slip/ Bank Account Statement for 6 months/ Income Tax Returns (ITR)/ Form 16
  • PAN Card: A self-attested copy of your Permanent Account Number (PAN)
  • Recent passport size photographs.
  • DDPI (if you want to avail online trading facility).

Frequently Asked Questions  

2-in-1 Demat Account combines the facilities of a Demat Account and a Trading Account. This account allows you to hold securities in digital form and trade them seamlessly with the same account. It facilitates the buying, selling and safe holding of various securities.

To open an InvestRight 2-in-1 Demat Account online, you must be a Resident Individual and the sole account holder. NRIs and Joint Account holders can also open a 2-in-1 Demat Account by submitting the required documents to the branch.

You will need to provide the following documents, depending on whether you apply online or offline:  

 

Online Application for Resident Individual (Sole Account Holder): 

 

  • PAN 

  • Aadhaar  

  • Mobile number linked with Aadhaar 

  • HDFC Bank Account details 

Physical Application: 

 

  • Valid Passport 

  • Driving License 

  • Aadhaar Card 

  • Voter ID 

  • NREGA Job Card  

  • National Population Register (NPR) letter with demographic details.  

Requirements for NRIs:  

 

Mandatory Documents 

 

  • All the documents must be self-attested by applicant 

  • In case of face-to-face account opening all documents must be accompanied by Original Seen and Verified (OSV)  

  • and in person verification done by banker  

  • Instructions for KYC 

  • Pan Card 

  • Passport (Indian/Foreign Passport) 

  • Valid Visa – Work/Student/employment/resident permit etc. 

  • PIO/OCI Card (mandatory in case of foreign passport) 

  • CDC Card (in case of seafarers) issued by Govt. of India, exit and entry stamp required for not more than 6 months old. 

Proof of Foreign Address (any one)

 

  • Foreign Passport 

  • Driving Licence 

  • Utility Bill / Gas Bill / Telephone / Electricity Not More Than 3 Months Old 

  • Letter from existing banker (on letterhead with account number, address as per bank record, signature &  

  • rubber stamp of the bank) 

  • PIO Card / OCI Card issued by Central Government 

  • Bank statement, not more than 3 months old 

Official Valid Documents as Proof of Identity and Proof of Address (Any one Mandatory) 

 

  • Indian Passport 

  • Driving Licence 

  • OCI card 

  • Aadhar card 

  • Voter's Identity Card 

Other Essentials:  

 

  • Recent passport-sized photos 

  • DDPI form if you want to avail of online trading services. 

Applicants must be adults (18 years and older) to open a Demat Account independently. 

NRIs can open a 2-in-1 Demat Account, provided they comply with the RBI and FEMA guidelines and have an existing PIS account Basic requirements include:  

 

Mandatory Documents 

 

  • All the documents must be self-attested by applicant 

  • In case of face-to-face account opening all documents must be accompanied by Original Seen and Verified (OSV)  

  • and in person verification done by banker  

  • Instructions for KYC 

  • Pan Card 

  • Passport (Indian/Foreign Passport) 

  • Valid Visa – Work/Student/employment/resident permit etc 

  • PIO/OCI Card (mandatory in case of foreign passport) 

  • CDC Card (in case of seafarers) issued by Govt. of India, exit and entry stamp required for not more than 6 months old. 

Proof of Foreign Address (any one) 

 

  • Foreign Passport 

  • Driving Licence 

  • Utility Bill / Gas Bill / Telephone / Electricity Not More Than 3 Months Old 

  • Letter from existing banker (on letterhead with account number, address as per bank record, signature &  

    rubber stamp of the bank) 

  • PIO Card / OCI Card issued by Central Government 

  • Bank statement, not more than 3 months old 

Official Valid Documents as Proof of Identity and Proof of Address (Any one Mandatory) 

 

  • Indian Passport 

  • Driving Licence 

  • OCI card 

  • Aadhar card 

  • Voter's Identity Card 

There is no minimum income requirement to open a 2-in-1 Demat Account.

A PAN card is mandatory to apply for an InvestRight 2-in-1 Demat Account. It is the primary document for verification.

You can open an InvestRight 2-in-1 Demat Account online through our Demat Account portal. While doing this, ensure you have your PAN card, Aadhaar Number, HDFC Bank Account details and mobile number linked to your Aadhaar for a smooth application process. You simply need to use your Aadhaar-linked mobile number for KYC verification through Digilocker and E-sign.

Resident individuals and NRI, both can open a 2-in-1 Demat Account. However, the eligibility and documentation will differ depending on the category you fall into. 

HDFC Bank offers various benefits with its 2-in-1 Demat Account, including: 

 

  • This account allows you to link your HDFC Bank Savings Account for quick fund transfers.  

  • With the 2-in-1 Demat Account, you enjoy the facilities of both Demat and Trading account all in one place.  

  • HDFC Bank offers a free Demat Account opening, allowing you to start investing without worrying about any additional charges.  

  • You can track and manage your portfolio seamlessly with HDFC Bank NetBanking facility. 

  • As an existing HDFC Bank customer, you can enjoy cross-product benefits depending on eligibility. 

You need to follow the offline process by visiting the branch to open a joint-holder InvestRight account.