# Torus: Banking, Trading, Demat — 3in1 A/c-Banking, Broking, SIP

> Integrated banking, trading, and demat account for savings and investments. (iPhone/iPad app by Torus Financial Markets Private Limited.)

- Source: https://appshunter.io/ios/app/torus-banking-trading-demat/id6523421422 (this page in markdown: same URL + `.md`)
- Developer: [Torus Financial Markets Private Limited](https://appshunter.io/developer/1728597682)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 17+
- Requires: iOS 13.0 · 188 MB
- Languages: American English
- Released: 2024-08-01
- Data updated: 2026-08-15
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/torus-banking-trading-demat/id6523421422/reviews.md

## What is Torus?

Torus Digital – 3-in-1 Account for Banking, Trading & Demat
Manage savings, trading, and demat seamlessly with Torus Digital's 3-in-1 Account—your all-in-one digital account for secure savings, seamless trading, and effortless investments! 


Why Choose the Torus Digital 3-in-1 Account?
- Earn up to 7.75% p.a. interest in your savings bank account paid out monthly
- Save 50% by trading at just ₹11 per executed order for all segments
- Enjoy ₹0 AMC charges in your demat account
- Block Funds facility – Keep money in your bank account and trade in stocks
- T+1 Payout of proceeds from sale of all shares to your savings bank account 

Open your FREE 3-in-1 account in just 6 minutes! Unlock the benefits of our early bird offer and earn up to ₹500!*


1. Banking
• Zero-balance savings account 
• Earn competitive interest rates of 7.75%*
• Steady returns with monthly interest payouts
• Maximize your savings by investing your monthly-generated interest in selected ETFs to earn 15%* EXTRAAA
• Block funds to trade in stocks and derivatives while earning interest on your balance savings amount
• Hassle-free, paperless process for all your savings account needs. 


2. Trading
• Start trading at just ₹11 per order
• Zero account opening charges
• Enjoy trading across NSE and BSE, including stocks, mutual funds, IPOs, derivatives, ETFs, indices, and more. 
• Boost your purchasing power by 4X with Margin Trading Facility
• Execute trades directly from charts
• Advanced Algo Trading
• Trust-based & secure model


3. Demat
• Lifetime FREE AMC
• Free Demat account opening
• 100% Digital Onboarding
• Pledge/Unpledge for Margin Benefit
• Lower DP Charges at only ₹11 per scrip 
• Securely regulated by CDSL 


Choose from a wide range of our products and services:

• Stocks
⇒ Advanced charting tools 
⇒ Execute various order types 
⇒ Buy and sell shares effortlessly 

• Mutual Funds
⇒ Explore over 5,000 mutual funds 
⇒ SIPs starting as low as ₹100. 
⇒ Modify, pause, or resume your Mutual Fund SIPs anytime 
⇒ Stay updated with the latest NFOs  

• Derivatives (Futures & Options)
⇒ Trade derivatives at just ₹11 per executed order. 
⇒ Utilize advanced trading tools and platforms to navigate F&O market
⇒ Open API Platform to integrate and customize your trading experience 

• Margin Trading Facility (MTF)
⇒ Leverage your buying power by 4X
⇒ Hold longer for maximised returns
⇒ Choose from over 1,000 stocks 
⇒ Competitive Interest Rates starting as low as 0.05%* charged daily 

• Initial Public Offerings (IPOs)
⇒ Apply for upcoming IPOs seamlessly through our platform
⇒ Receive timely updates and information on the latest IPO offerings 

• Baskets
⇒ Invest in professionally managed portfolios 
⇒ Make periodic adjustments to suit your needs 


How to Get Started? 
⇒ Download the Torus Digital SuperApp. 
⇒ Register using your mobile no. and email ID. 
⇒ Open your Investment Account (Trading and Demat) using your Aadhaar and Pan number.  
⇒ Open your Savings Account with Aadhaar card. 


Member Information
Member Name: Torus Financial Markets Private Limited 
SEBI Registration Code: INZ000299936 
Member Code: NSE-90245, BSE-6761 
Registered Exchanges: NSE, BSE 
Exchange Approved Segments: Cash & FO 


Follow Us
Website: www.torusdigital.com  
Facebook: @torusdigitalofficial  
Instagram: @torus.digital  
LinkedIn: @torusdigitalofficial  
X: @torus_digital
YouTube: @TorusDigital 
Threads: @torus.digital 


Need Support?
Call Us: +91 22 6895 9000 
Email: customercare@torusgroup.in 
Address: 2nd Floor, ICC Chambers, Saki Vihar Rd, Muranjan Wadi, Marol, Andheri East, Mumbai, Maharashtra 400072 
Disclaimer: https://www.torusdigital.com/disclaimer

## Key features

- 3-in-1 account: Banking, Trading, Demat
- Up to 7.75% p.a. interest on savings
- Trading at ₹11 per executed order
- Zero AMC charges for Demat
- Block Funds facility for trading
- Over 5,000 mutual funds available
- Margin Trading Facility (MTF)


## Frequently asked questions about Torus

### What is the interest rate on savings accounts with Torus?

Torus offers competitive interest rates of up to 7.75% p.a. on savings bank accounts, with monthly payouts. You can also invest your monthly generated interest in selected ETFs to potentially earn an additional 15%.

### How much does it cost to trade with Torus?

Trading with Torus is cost-effective, priced at just ₹11 per executed order for all segments. There are also zero account opening charges for trading and zero AMC charges for your demat account.

### Can I trade while earning interest on my savings with Torus?

Yes, Torus offers a Block Funds facility. This allows you to keep money in your savings account and earn interest on it while still being able to trade in stocks and derivatives.

### How quickly can I open a Torus account?

You can open your FREE 3-in-1 account with Torus in just 6 minutes. The process is designed to be hassle-free and paperless.

### What types of investments can I make through Torus?

Torus supports a wide range of investments including stocks, mutual funds (with SIPs starting at ₹100), derivatives (Futures & Options), IPOs, and professionally managed Baskets.

### Does Torus have ads?

Yes, Torus contains advertisements. Users may encounter advertisements within the application.

### What devices is Torus available on?

Torus is currently available for iPhone and iPod devices. It is rated for users aged 17 and above.

### How often is Torus updated?

The latest version of Torus is 2.8.18, last updated on May 19, 2026. Updates typically occur to introduce new features, improve performance, and fix bugs.

## Version history (last 5 releases)

### 2.9.20 — 2026-08-10

Stocks -
Revamped Order Book – A cleaner experience for managing your stock orders.
Cancel All in One Tap – Cancel all your pending orders with a single click.
Higher UPI Limit – Add funds via UPI up to ₹5 lakh for convenient investments.

Mutual Funds -
Smarter Search – Easily discover and invest in MF schemes, NFOs, and AMCs.
Bug Fixes & Performance – We've fixed minor issues and optimized the app for a faster, smoother, and more reliable experience.

### 2.9.1 — 2026-06-19

Fixed an issue where certain holdings such as unlisted shares, NCDs, and MLDs were not visible in the Holdings section for some users.
Improved portfolio visibility to ensure all eligible holdings are displayed accurately.
Minor bug fixes and performance enhancements for a smoother experience.

### 2.9.0 — 2026-06-14

Improved app performance for a smoother trading experience
Introducing mutual funds reports with enhanced insights
Refreshed mutual funds portfolio experience with improved design
Minor UI improvements and bug fixes
Updated savings bank account interest rate information across the app

### 2.8.18 — 2026-05-19

Improved app performance and speed
Fixed minor bugs and crashes
Enhanced overall user experience

### 2.8.17 — 2026-05-03

MTF Conversion
Convert MTF positions to Delivery (CNC) anytime before square-off—quick and seamless.

DP Transfer Updates
Edit acquisition date, price, and quantity for transferred shares for accurate portfolio tracking.

Revamped IPO Experience
Explore IPOs with a redesigned interface, better categorisation, and clear key details.

Mutual Funds Pledge
Pledge your mutual funds to unlock trading margin with an improved, easy flow.

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## More apps by Torus Financial Markets Private Limited

- [Torus Financial Markets](https://appshunter.io/ios/app/torus-financial-markets/id6477145870)

All apps by Torus Financial Markets Private Limited: https://appshunter.io/developer/1728597682

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-15.*