The account which is 3 in 1 account known as trading account and the said account is opened with ICICI bank and it consist of a) trading account b) d''''mat account c) saving account and all the above three account are clubed in one account and it is as good as one account. Example if person has rs. 10000 in his account and he purchse 100 share of xyz company, his 10000 rs. Will be debited from his account and 100 shares of xyz company will be credited in his d''''mat account and vice varsa. It means that his money will reamin in same account and no body can witdraw it, execpt the account holder. Secondly it has the safety net of protection of icic bank and no question of broker default as in case of individual broker.