Why are the funds added through IMPS, NEFT or RTGS not reflected in the Zerodha account?

Transferring funds to a Zerodha account with NEFT or RTGS usually takes 2 hours, while IMPS transactions usually take 10 minutes.

If the funds do not reflect within these timelines, it could be due to the following:

• The funds are transferred from an unmapped bank account. In such cases, see Can funds be transferred using IMPS, NEFT, RTGS or cheque from bank accounts not linked to the Zerodha account?
• Zerodha has not received the bank details from the remitting bank, even though the funds were transferred from a mapped bank account. In such cases, create a ticket.

Clients can also use UPI to transfer funds instantly at no cost. See How to add funds to the Zerodha account using UPI?