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Why is the fund withdrawal not instant in Zerodha?

While the funds deposited to the trading account during the day are available for trading immediately, they can only be withdrawn the next day due to the end-of-the-day settlement and reconciliation processes.

If clients have closed their positions today, they cannot withdraw the funds immediately since exchanges in India follow a rolling settlement cycle. To learn more, see When can the funds be withdrawn if the shares are sold or positions are closed today?

If a client has not traded during the day or has no open positions and has sufficient balance on the day of withdrawal, the withdrawal request will be processed the same day.

Example scenario

  1. Shares are sold on Monday.
  2. The funds from the sale are credited the next day, i.e. Tuesday.
  3. If no additional trades are executed and a fund withdrawal request is submitted, the funds will be credited by the end of the same day, i.e. Tuesday.