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How to add money to my account using UPI?

To add money to your account using UPI, follow the steps below:

On Kite app

  1. Click on Funds .
  2. Click on Add Funds , and enter the amount.
  3. Click on UPI and Select the UPI app
  4. On the UPI app, you will receive a collect request from Zerodha. Enter your UPI PIN and approve the transfer. Ensure you make the payment from the collect request only and not by initiating a new transfer to Zerodha’s VPA UPI ID from the UPI app.


On Kite web

  1. Under the Funds tab, click on Add funds.
  2. Enter the amount and select UPI as the Payment mode.
  3. Enter your UPI ID linked to your bank account that is registered with Zerodha.
  4. On the UPI app, you will receive a collect request from Zerodha. Enter your UPI PIN and approve the transfer. Ensure you make the payment from the collect request only and not by initiating a new transfer to Zerodha’s VPA UPI ID from the UPI app.


You will see a confirmation on the Zerodha payment page as shown below:


The funds will start reflecting instantly in your account under Pay-in in the Funds tab.

If you have the UPI app installed on another device, the collect request will have to be validated on the other device.

Did you know?

  • You can make up to 35 transfers per day.
  • If you transfer funds to your trading account between 12 AM and 7:30 AM, it won't reflect on your trading terminal until after 7:30 AM.
  • You can only add money from your primary or secondary bank account linked with Zerodha. To know how to link an additional secondary bank account, see How do I add a secondary bank account to my Zerodha account?
  • UPI transfer has a limit of ₹2,00,000/- per day. Your bank may have further restrictions on the amount per transaction that you will have to check with your banks. The following banks have enabled ₹2,00,000/- per day:
    Bank name
    AU small Finance Bank
    Axis Bank Ltd.
    Bandhan Bank
    Bank of Baroda
    Bank of India
    Bank of Maharashtra
    Bassein Catholic Co-operative Bank
    Canara Bank
    Capital Small Finance Bank Ltd
    Central Bank Of India
    Citibank
    City Union Bank
    CSB Bank Ltd
    Darussalam Co-Operative Urban Bank Ltd.
    DBS Bank India Limited
    DCB Bank Ltd
    Deutsche Bank
    Dhanera Mercantile Co-op Bank Ltd
    Dhanlaxmi Bank Ltd
    Equitas Bank
    ESAF Small Finance Bank Ltd.
    Federal Bank
    GS Mahanagar Coop bank
    HDFC BANK LTD
    HSBC
    ICICI Bank
    IDBI Bank Limited
    IDFC FIRST Bank
    Indian Bank
    Indian Overseas Bank
    INDUSIND BANK
    Jalgaon Janata Sahkari Bank Ltd Jalgaon
    Jammu and Kashmir Bank
    Janakalyan Sahakari Bank Ltd
    Janaseva Sahakari
    Janata Sahakari Bank Ltd. Pune
    JIJAMATA MAHILA SAHAKARI BANK LTD
    Karnataka Bank
    Karur Vysya Bank
    Kerala Gramin Bank
    Kotak Mahindra Bank
    Lakshmi Vilas Bank
    Paytm Payments Bank
    Pragathi Krishna Gramin Bank
    Pune Cantonment Sahakari bank Ltd
    Punjab and Sind Bank
    Punjab National Bank
    Rajgurunagar Sahakar
    Rajkot Nagrik Sahakari Bank Ltd.
    RBL
    Saraswat Bank
    SARVODAYA COMMERCIAL CO OP BANK LTD
    SBPP CO-OPERATIVE BANK LIMITED
    Shree Panchganga Nagari Sahakari Bank Ltd
    SHRI ARIHANT CO-OP BANK LTD
    South Indian Bank
    Sri Basaveshwar Bank
    Standard Chartered
    State Bank Of India
    Suvarnayug Sahakari Bank Ltd
    Svc co-operative bank ltd
    Tamilnad Mercantile Bank
    The Ahmedabad Mercantile Cooperative Bank Ltd
    The Banaskantha Mercantile Co-Operative Bank Ltd
    The Kalupur Commercial Co-operative Bank Ltd
    THE KARNAVATI COOP BANK LTD
    The Kolhapur Urban Co-op Bank Ltd
    The Mehsana Urban Co-Operative Bank Ltd.
    The New Urban Co-operative Bank Ltd Rampur
    The Prime Cooperative Bank Ltd
    The Priyadarshini Nagari Sahakari Bank
    The Sarvodaya Nagarik Sahakari Bank Ltd
    The Sutex Co.op.Bank Ltd.
    The Visakhapatnam Cooperative Bank Ltd
    Tirupati Urban Co-Operative Bank Ltd
    TJSB Sahakari Bank Ltd
    UCO Bank
    Union Bank of India
    UTKARSH SMALL FINANCE BANK LIMITED
    Vikas Souharda Co-operative Bank Ltd
    Yadagiri Co-op Bank
    Yes Bank Ltd