Saving accounts :
Saving accounts are accounts maintained by retail financial institutions that pay interest but cannot be used directly as money in the narrow sense of a medium of exchange (for example, by writing a cheque). These accounts let customers set aside a portion of their liquid assets while earning a monetary return. For the bank, money in a savings account may not be callable immediately and in some jurisdictions, does not incur a reserve requirement, freeing up cash from the bank's vault to be lent out with interest.
Demat Account :
In India, shares and securities are held electronically in a Dematerialized pr Demat account, instead of the investor taking physical possession of certificates. A Dematerialized account is opened by the investor while registering with an investment broker (or sub-broker). The Dematerialized account number is quoted for all transactions to enable electronic settlements of trades to take place. Every shareholder will have a Dematerialized account for the purpose of transacting shares.
Demat account is not a place for keeping money. It is a place for keeping shares. If you go through the Demat account, you will be able to know the movement of shares in and out of your Demat account as well as your current hold.
When you get demat a/c linked with the one of saving account. then in demat site there will be link to allocate funds link and add the amount that you want to transfer from your savings a/c and click submit.The transfer will happen in real time. Bank to Bank this option veries, so it is important to go through Demat account guidelines and document before linking the saving account to demat account.