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What are the different ways of transferring funds to my Zerodha account?

There are three different ways to transfer money to your Zerodha account.

1. UPI

Transfer funds instantly from your registered bank account using UPI for free . Make sure to initiate all UPI transfers from Zerodha’s payment gateway for the funds to be updated to your Zerodha account instantly. To know how to transfer money using UPI, see How do I add money using UPI to my trading account?

2. Instant payment gateway

This comes at a charge of ₹9 plus 18% GST with the convenience of instant credit. To know how to transfer money using the instant payment gateway, see How do I add money to my trading account in Zerodha directly through Kite?


Fund transfer using IMPS/NEFT/RTGS is free at Zerodha, but bank charges may apply. See How do I add money to my trading account using IMPS, NEFT or RTGS?

Fund transfer using cheque is free. You have to send the cheque to Zerodha and the money will be added to your trading account once the cheque gets cleared. See How do I add money to my trading account using a cheque?

Did you know?

  • Zerodha accepts UPI transfers made only through the Add Funds interface on Kite. Digital wallet transfers or transfers initiated directly from a UPI app will not be accepted.
  • If the instant payment fails for any reason, you will need to wait at least 24 hours for the funds to reflect in your trading account.
  • If you receive an email or phone call claiming to be from Zerodha soliciting fund transfers to an account number that is not mentioned on Funds page or if you notice any spoofed (duplicate/unofficial) Zerodha website, please create a ticket under Does Zerodha call clients asking them to transfer money into their account or provide any personal/sensitive information? immediately with those details. Never provide sensitive account information like support code, password, client ID or personal details in response to an email.
  • SEBI regulations don’t allow Zerodha or any other broker to accept deposits via cash/Demand Draft(DD).