The time taken for funds to reach your Zerodha account depends on the transfer method you use. UPI and payment gateway transfers are instant, while other methods take a few minutes to several working days.
Funds transferred to the Zerodha account between 12 AM and 7:30 AM will reflect only after 7:30 AM.
Transfer methods and timelines
| Method | Time taken | Charges |
| NEFT/RTGS | Usually within 2 hours | Bank charges may apply. |
| IMPS | Usually within 10 minutes | Bank charges may apply. |
| UPI | Instant | Free |
| Instant Payment Gateway | Instant | ₹9 + 18%GST |
| Cheque | 3-5 working days | Free |
Create a ticket if the funds are not updated within the above timelines.
Things to keep in mind
-
You can only transfer funds from bank accounts linked to your Zerodha account. You can have multiple bank accounts linked to your account. To view your linked bank accounts, visit
console.zerodha.com/account/bank.
- A maximum of ₹1 crore can be added through internet banking using the payment gateway and ₹5 lakh using UPI in a single transaction. To transfer more than ₹1 crore using internet banking, make multiple transfers. However, this will differ based on the bank and the limit prescribed by them.
- The minimum amount that can be transferred using internet banking is ₹50, and UPI is ₹1.