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How do I add money using UPI to my trading account?

The UPI payment option allows you to transfer funds from your mapped bank account using a UPI (Google Pay, BHIM, etc) app in your mobile. 

Note: Most banks have a daily UPI transaction limit of Rs 1 lac. Some banks can have a lower limit. You will not be able to transfer funds if your daily bank limit has been exhausted.  

On Kite, select the funds tab and click on ‘Add Funds’

Once you do, the payment window opens up. Select UPI as the Payment mode.

Once you select the UPI option, you’ll see a field to enter your UPI ID. Make sure the UPI ID is mapped to a bank account that you have mapped with your Zerodha account for the transfer to go through successfully.

Enter your UPI ID linked to your Bank Account (The bank account must be linked to your Zerodha trading account). Once you click on ‘Continue’, you’ll see this page.

On the UPI app on your phone, you’ll receive a collect request from Zerodha. You need to approve the transfer. This will require you to enter your UPI PIN. 

Just enter the app and approve the transfer. This will require you to enter your UPI PIN. (Also, you’ll have to ensure you make the payment from the collect request, and not by initiating a new transfer to Zerodha’s VPA (UPI ID). Once that’s done, you’ll see a confirmation on the Zerodha payment page that looks like this:

You will have to click on ‘Close’ in this window because if you don’t, the fund transfer won’t be instant and can take some time and may not be immediate.

Once you do, the funds will start reflecting in your Account under Pay-in under the funds tab. 

Note: If you transfer funds to your trading account between 12 AM & 7:30 AM, it won't reflect on your trading terminal until after 7:30 AM.