Funds transferred through IMPS take up to 10 minutes to reflect in the Zerodha account after making the transfer during market hours. Fund transfers only from linked bank accounts are accepted. If funds are transferred from an unlinked bank account, see Can I transfer funds from bank accounts that are not linked to my Zerodha account? to learn how to reverse such transfers.

If the IMPS fund transfer is initiated using HDFC netbanking or using IMPS/NEFT/RTGS from any Co-operative bank, the funds will not automatically reflect in the Zerodha account since Zerodha does not receive the sender's complete account details from the banks, and such transactions need to be mapped manually. Please create a ticket and attach a soft copy of the bank statement with the bank account and transaction reference number visible, which shows a debit towards Zerodha account, for the funds to reflect in the Zerodha account.