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3 in 1 Account with E-Margin Facility

An integrated savings account and Securities demat/trading relationship with an e-margin facility that can accept cash or stocks as margin and carry eligible positions for up to 30 days.

Account bundleSBI savings bank account plus SBI Securities demat and online trading accounts with E-Margin facilityTrading and E-Margin chargesBrokerage depends on the selected SBICAP Securities plan: the current plan matrix lists E-Margin brokerage from 0.40% to 0.50%; separate E-Margin terms state a flat 0.50% on buy and sell orders. Statutory and regulatory levies and demat charges for delivery trades are extra.Online account and E-Margin eligibilitySBICAP Securities' online demat/trading account is for sole-holder accounts of ordinary resident Indian individuals; the application must be submitted while physically in India. E-Margin is available only to customers with PoA or DDPI. The linked SBI page lists a separate savings-account document route.
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Quick eligibility check

3 in 1 Account with E-Margin Facility

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: SBI savings-account customers opening an integrated demat and trading relationship?

Published source: Customer type

2Are you this type of customer: SBICAP Securities' online demat/trading terms specify sole-holder accounts for ordinary resident Indian individuals?

Published source: Customer type

3Are you this type of customer: SBICAP Securities' online demat/trading account is for sole-holder accounts of ordinary resident Indian individuals?

Published source: Online account and E-Margin eligibility

4Do you meet this requirement: the application must be submitted while physically in India?

Published source: Online account and E-Margin eligibility

5Do you meet this requirement: E-Margin is available only to customers with PoA or DDPI?

Published source: Online account and E-Margin eligibility

6Document checkDo you have at least one of these required documents: Savings account: PAN or Form 60?

Published source: Required documents

7Document checkDo you have this required document or proof: Savings account: photograph?

Published source: Required documents

8Document checkDo you have at least one of these required documents: Savings account: one Officially Valid Document — passport, proof of Aadhaar possession, driving licence, voter ID, MNREGA job card, or National Population Register letter containing name and address?

Published source: Required documents

9Document checkDo you have this required document or proof: Demat and trading account: one passport-size photograph?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Oct 2026 · active
Offered byState Bank of India

Trading through the Securities web platform; account opening and subject to and Securities processes

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Account bundleSBI savings bank account plus SBI Securities demat and online trading accounts with E-Margin facilityEffective 1 Dec 2025View source
The live page describes the savings, demat and trading components and presents E-Margin through the Securities platform.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
Product title and E-Margin Facility
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Customer typeSBI savings-account customers opening an integrated demat and trading relationship; SBICAP Securities' online demat/trading terms specify sole-holder accounts for ordinary resident Indian individuals.View source
The linked terms distinguish SBICAP Securities' sole-holder, ordinary-resident-individual online demat/trading account from savings-account component.
Source
SBICAP Securities — Brokerage Plans and Terms & Conditions
Page / section
Demat & Trading Preferences, lines 3–7
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Trading and E-Margin chargesBrokerage depends on the selected SBICAP Securities plan: the current plan matrix lists E-Margin brokerage from 0.40% to 0.50%; separate E-Margin terms state a flat 0.50% on buy and sell orders. Statutory and regulatory levies and demat charges for delivery trades are extra.View source
The full plan matrix publishes E-Margin brokerage by plan; the linked E-Margin-specific terms separately state 0.50% on both buy and sell orders. The terms say statutory/regulatory levies and demat charges for delivery trades are charged separately.
Source
SBICAP Securities — Brokerage Plans and Terms & Conditions
Page / section
Brokerage Plans tables and additional-levy terms
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
E-Margin financing chargesPublished terms are plan-specific: the E-Margin terms page states 18% p.a. from T+31; OIOP-3K, OIOP-10K and PRO 749 terms state no interest for 23 trading days; PRO ZERO terms state 0.04% per day (14.5% p.a.) after 23 trading days. Confirm the selected brokerage plan; there is no single financing rate for every account.View source
The standalone E-Margin page states 18% p.a. from T+31. The current brokerage-plan page separately names no-interest periods for OIOP-3K, OIOP-10K and PRO 749 and a PRO ZERO rate of 0.04% per day (14.5% p.a.) after 23 trading days; these are retained as plan-specific terms, not collapsed into one rate.
Source
SBICAP Securities — E-Margin Terms and Conditions
Page / section
Interest and plan-specific E-Margin terms
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Trading channelUse the SBI Securities web platform, open order placement (Buy/Sell), and select E-Margin as the product type.Effective 1 Dec 2025View source
The page gives a three-step route through the Securities web platform and order-placement menu.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
How to avail
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Online account and E-Margin eligibilitySBICAP Securities' online demat/trading account is for sole-holder accounts of ordinary resident Indian individuals; the application must be submitted while physically in India. E-Margin is available only to customers with PoA or DDPI. The linked SBI page lists a separate savings-account document route.View source
The linked brokerage terms specify sole-holder ordinary-resident-individual online accounts and physical presence in India; the E-Margin terms restrict access to PoA/DDPI customers.
Source
SBICAP Securities — Brokerage Plans and Terms & Conditions; E-Margin Terms and Conditions
Page / section
Demat & Trading Preferences; E-Margin availability
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Online opening availabilityThe linked SBICAP Securities online-account terms require the applicant to be physically within India when submitting the application; they describe the online account as for ordinary resident individuals who are Indian nationals.View source
The customer declaration says the online account-opening application is submitted while physically within India's boundaries.
Source
SBICAP Securities — Brokerage Plans and Terms & Conditions
Page / section
Demat & Trading Preferences and online-account declaration
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Minimum E-MarginAs low as 25%; actual margin depends on the position and applicable broker rules.Effective 1 Dec 2025View source
describes margins as low as 25%; the product page does not say every security or trade qualifies for that minimum.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
E-Margin Facility
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Position carry-forwardUp to 30 days; positions can be converted to delivery or squared off before expiry.Effective 1 Dec 2025View source
The page says positions may be carried up to 30 days and can be converted to delivery or squared off before expiry.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
E-Margin Facility
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
E-Margin collateralCash or stocks accepted under the applicable SBI Securities margin rules.Effective 1 Dec 2025View source
lists cash/stocks as E-Margin collateral and does not publish the eligible-security list on this page.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
E-Margin Facility; Key Features
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Position choicesConvert the position to delivery into the demat account or square it off any time before expiry.Effective 1 Dec 2025View source
The page permits delivery conversion or square-off before expiry.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
E-Margin Facility; Key Features
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Required documentsSavings account: PAN or Form 60, photograph, and one listed Officially Valid Document (passport, Aadhaar-possession proof, driving licence, voter ID, MNREGA job card or National Population Register letter with name and address). Demat/trading: one passport-size photograph, PAN copy, Aadhaar copy and cancelled cheque leaf or latest bank statement.Effective 1 Dec 2025View source
The current page lists separate savings-account and demat/trading checklists; no additional itemized checklist is inferred from the linked online-account declarations.
Source
3 in 1 Account With E-Margin Facility — current product page
Page / section
Savings Bank Account and Demat & Trading Account — Documents Required
Accessed
4 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Integrated banking, demat and trading relationship
  • Margins published as low as 25%
  • Cash or eligible-stock collateral
  • Position carry-forward up to 30 days
  • Delivery conversion or square-off choice

Eligibility

  • Trading and demat services are provided through Securities, a separate entity within the group.
  • Margin requirements, eligible securities, fees and square-off rules can change and must be confirmed on the broker platform.
  • Leveraged positions can amplify losses and may be closed under applicable risk controls.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Savings account: or Form 60
  • Savings account: photograph
  • Savings account: one Officially Valid Document — passport, proof of Aadhaar possession, driving licence, voter , MNREGA job card, or National Population Register letter containing name and address
  • Demat and trading account: one passport-size photograph
  • Demat and trading account: card copy
  • Demat and trading account: Aadhaar card copy
  • Demat and trading account: cancelled cheque leaf or latest bank statement

Related official documents

SBI 3 in 1 Account With E-Margin Facilityofficial-product-page · current · accessed 29 Aug 2026
↗
SBI 3 in 1 Account With E-Margin Facility — current product pageofficial-product-page · current · accessed 4 Oct 2026
↗
SBICAP Securities — Brokerage Plans and Terms & Conditionsofficial-fee-schedule · current · accessed 4 Oct 2026
↗
SBICAP Securities — E-Margin Terms and Conditionsofficial-terms-and-conditions · current · accessed 4 Oct 2026
↗

Plan before applying

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SUVIDHA · Delivery0.50%

This value is copied from SBICAP Securities brokerage rates by plan. Check the table notes before relying on it.

Source: SBICAP Securities — Brokerage Plans and Terms & Conditions · Brokerage Plans, first 11-row table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 8 columnsSBICAP Securities brokerage rates by planView tableHide table

Scroll sideways to view every column

SBICAP Securities brokerage rates by plan
PlanDeliveryE-MarginIntradayFuturesOptionsCurrency
SUVIDHA0.50%0.50%₹20/order0.05%₹50/lot₹20/order₹20/lot
PRO 7490.35%0.50%₹20/order0.02%₹20/lot₹20/order₹20/lot
OIOP-3K0.20%0.50%₹20/order₹20/order₹20/orderFree₹20/order
OIOP-10K0.10%0.40%₹20/order₹20/order₹20/orderFree₹20/order
Women Plan0.20%0.40%₹20/order0.04%₹20/lotFree₹20/order
Plan 4990.35%0.50%₹20/order0.05%₹50/lot₹20/order₹20/lot
DCSP10000.20%0.40%₹20/order₹20/order₹20/orderFree₹20/order
SBIDCSP0.50%0.50%₹20/order0.05%₹50/lot₹20/order₹20/lot
OIOP - EMP0.10%0.40%₹20/order₹20/order₹20/orderFree₹20/order
SBIWEALTH0.20%0.40%₹20/order₹20/order₹20/orderFree₹20/order
CORP 4-PROP0.35%0.50%₹20/order0.05%₹50/lot₹20/order₹20/lot
  • This is SBICAP Securities' plan matrix, not a fee charged by the savings account itself; plan availability and conditions differ.
  • Statutory/regulatory levies and demat transaction charges for delivery trades are additional.
  • The source states a minimum brokerage of ₹0.01 per share for specified plans/segments; read the plan conditions before comparing a final trade cost.
SBICAP Securities — Brokerage Plans and Terms & Conditions · Brokerage Plans, first 11-row table · accessed 4 Oct 2026Open official source ↗
Table 2 · 1 row · 8 columnsSBICAP Securities PRO ZERO brokerage ratesView tableHide table

Scroll sideways to view every column

SBICAP Securities PRO ZERO brokerage rates
PlanDeliveryE-MarginCash intradayF&O intradayF&O carry-forwardCurrency
PRO ZERO0.20%0.50%NilNil₹20/orderFree₹20/order
  • The terms page says PRO ZERO is limited to DIY and channels.
  • It separately states a 0.04% per-day (14.5% p.a.) MTF charge after 23 trading days; charges depend on the selected brokerage plan.
  • The source states statutory/regulatory levies and demat transaction charges for delivery trades are additional.
SBICAP Securities — Brokerage Plans and Terms & Conditions · PRO ZERO brokerage table and plan-specific terms · accessed 4 Oct 2026Open official source ↗

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