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How much time does it take for the funds to get transferred to my trading account at Zerodha?

The time taken for the funds to get transferred to your trading account at Zerodha depends on the method of transfer.

Please find below the different methods of fund transfer and the time taken.

Method Time taken Charges
NEFT/RTGS Between 2 to 10 hours, depending on your bank. Bank charges may apply.
IMPS 5-10 minutes during market hours Bank charges may apply.
UPI Instant Free
Instant Payment Gateway Instant Rs 9 plus taxes
Cheque 3-5 working days Free


  1. Fund transfers only from linked Bank Accounts will be accepted.
  2. 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.
  3. You can add a maximum of Rs 1 Cr using internet banking(using the payment gateway) and Rs 2 Lakhs using UPI from Kite's Add Funds page in a single transaction. If you want to transfer more than Rs 1 Crore using internet banking, please make multiple transfers. However, depending on the bank you use and the limit prescribed by them, this will differ for each account.
  4. The minimum amount you can transfer using internet banking is Rs 50, and for UPI, Rs 1.