Fund transfer

Deposit funds

SEBI regulations mandate clients to keep their equity and commodity account balances separate — so Zerodha has two different bank accounts. There are four ways to transfer funds to the Zerodha account.

UPI

Transfer funds instantly from the registered bank account using UPI for free. All UPI transfers must be initiated from Kite. Zerodha does not accept digital wallet transfers or transfers directly from UPI apps.

See How to add money to my account using UPI? to know more.

Instant payment gateway

Funds can be transferred instantly through net banking. ₹9 + 18% GST will be charged for such transfers.

To know more about adding funds using the payment gateway and the list of the supported banks, see How do I add money to my trading account in Zerodha directly through Kite?

IMPS/NEFT/RTGS transfer

• Kindly ensure that correct Zerodha details are entered before initiating the fund transfer.
• Zerodha's virtual bank account numbers have only alphabets. Add these two accounts as payees to transfer funds to the Zerodha account.
• Zerodha does not accept any deposits via cash or Demand Draft(DD). See How to transfer money to my account using IMPS, NEFT or RTGS? to know more.

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The time taken for the funds to be updated depends on the mode of fund transfer.

If the funds don't show up in the Zerodha account within the time described above, it may be because the funds were transferred from an unregistered bank account or that Zerodha hasn't received the bank account details from the remitting bank. In such cases, see Why is the money I added through an IMPS/NEFT transfer not reflecting in my trading account? for the resolution.

• The method of transferring funds differs between NRI and individual resident accounts. To know more, see What is the trading process for NRI accounts?.
• If an email or call is received from someone claiming to be from Zerodha asking for fund transfers to an account number that is not listed above, please create a ticket immediately with details.
• Never provide sensitive account information like Support Code, password, client ID or personal details in response to an email. If such information is provided, report it to Zerodha immediately. If any spoofed (duplicate or unofficial) Zerodha website is noticed, please inform Zerodha by creating a ticket.

Withdraw funds

• Fund withdrawal requests can be placed from Console or Kite.
• Funds transferred cannot be withdrawn on the same day.
• Fund withdrawal requests are processed at cut-off times shown in the table below. If the request is placed before the cut-off time, the funds are typically credited to the bank account within 24 hours from the cut-off time. If the request is placed after the cut-off time, it takes an additional working day (up to 48 hours in total) for the funds to be credited to the bank account.

If the funds are still not received, please create a ticket.