How to add funds to Zerodha via net banking
Net banking is one of three instant-credit deposit methods available on Zerodha. It is the preferred option when the deposit amount exceeds the UPI per-transaction ceiling of Rs 1,00,000, or when the client’s bank is not enabled for UPI. This guide covers the complete flow on both Kite web and the Kite mobile app, supported banks, per-transaction limits, and troubleshooting.
Conflict-of-interest disclosure. WebNotes Editorial Team publishes this guide for informational purposes only. WebNotes has no commercial relationship with Zerodha or any payment gateway provider and earns no commission from fund deposits.
Prerequisites
Before following this guide, confirm:
- You hold an active Zerodha trading account. See How to open a Zerodha account if you have not done so.
- The bank account from which you will deposit is the primary bank account registered with Zerodha. Net banking deposits from unregistered bank accounts are rejected.
- You have net-banking access enabled for your bank account. If you have not activated net banking with your bank, contact your bank’s branch or use the bank’s mobile banking app to activate it.
- Your bank’s net-banking daily transfer limit is at least the amount you intend to deposit.
Supported banks
Zerodha’s payment gateway supports most major Indian banks for net banking, including State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Bank of Baroda, Punjab National Bank, Yes Bank, IndusInd Bank, Canara Bank, Federal Bank, IDFC FIRST Bank, and several cooperative and regional rural banks. The complete list is visible on the payment screen within Kite; the list changes periodically as the payment gateway adds or removes bank integrations.
If your bank is not listed in the net-banking section, the following alternatives are available:
- UPI, see How to add funds via UPI.
- NEFT/RTGS/IMPS, see How to add funds via NEFT, RTGS, or IMPS.
Step-by-step procedure
Step 1: Log in to Kite
Open kite.zerodha.com or launch the Kite mobile app. Enter your client ID and password, then complete the two-factor authentication using the TOTP from an authenticator app or the SMS OTP sent to your registered mobile number.
Step 2: Navigate to Add funds
On Kite web. Click the account icon at the top-right corner and select Add funds from the dropdown.
On the Kite mobile app. Tap the profile icon at the bottom-right and tap Add funds.
Step 3: Enter the amount
Type the amount to deposit. Enter whole rupees only; do not include paise. The minimum deposit is Rs 1. There is no hard maximum imposed by Zerodha for net banking; the practical ceiling is your bank’s configured daily net-banking transfer limit, which typically ranges from Rs 5,00,000 to Rs 25,00,000 depending on the bank and account type.
Step 4: Select Net Banking
On the payment method screen, choose Net Banking. The gateway screen opens, showing a list of bank logos.
Step 5: Choose your bank
Scroll through the list or use the search field to find your bank. Click or tap your bank’s logo or name. You are then redirected to your bank’s own net-banking portal in the same browser tab or a new browser window, depending on the bank.
Step 6: Authenticate on your bank’s portal
Log in to your bank’s net-banking portal using your net-banking user ID and password. After login, the portal displays a payment authorisation page showing:
- Payee name: Zerodha Broking Limited (or the payment gateway merchant name).
- Amount: the amount you entered in Kite.
- Your account from which the debit will be made.
Confirm the payment. Most banks require an additional authentication step: an OTP sent to the registered mobile number, a transaction PIN, or a grid-card entry. Complete this step.
Step 7: Wait for redirect and verify credit
After successful authentication, your bank redirects you back to Kite with a payment-success confirmation. Do not close the browser window during this redirect; an interrupted redirect can cause the payment to be processed but not acknowledged by Kite, requiring manual reconciliation.
The available margin on Kite updates within 5–30 minutes on business days. For an audit trail, log in to Zerodha Console and check Reports > Ledger for an entry labelled Fund transfer in, Net banking.
Limits and timing
| Parameter | Detail |
|---|---|
| Minimum deposit | Rs 1 |
| Maximum deposit | Your bank’s daily net-banking transfer limit |
| Typical bank daily limit | Rs 5,00,000 – Rs 25,00,000 |
| Credit to margin | 5–30 minutes during business hours |
| Weekend/holiday credit | Deposited to account balance; tradeable from next market day |
| Gateway fee from Zerodha | Nil |
| Bank-side charges | Some banks charge a small fee (Rs 5–Rs 25) for payment gateway transactions; check with your bank |
What can go wrong
Redirect fails or browser closes during redirect. The payment may have been processed by the bank but not acknowledged by Kite. Wait 30 minutes and check the available margin and the Console ledger. If the amount was debited from the bank but not credited in Zerodha after 60 minutes, raise a support ticket at support.zerodha.com, quoting the bank transaction reference number (UTR). Zerodha reconciles such transactions within 1–2 business days.
Bank portal displays an error after OTP entry. This typically indicates a temporary issue with the bank’s payment gateway integration. Retry after a few minutes, or use UPI or NEFT/IMPS as an alternative.
Deposit from an unregistered bank. If the bank account from which you deposited is not registered with Zerodha, the payment is rejected and refunded to the source account within 3–5 business days. To add a different bank as a secondary account, follow How to add a secondary bank account on Zerodha.
Daily limit exceeded. If the deposit amount exceeds your bank’s daily net-banking transfer limit, the transaction fails at the bank stage. Options: (a) split the deposit across two days, (b) request your bank to temporarily increase the limit, or (c) use RTGS for large amounts (above Rs 2,00,000) where higher limits apply.
Mobile browser redirection issues. Some banks’ net-banking portals do not render correctly on mobile browsers. If you encounter display issues, switch to the bank’s mobile banking app to complete the net-banking authentication, or use the UPI method on mobile instead.
Related guides
- How to add funds to Zerodha via UPI
- How to add funds to Zerodha via NEFT, RTGS, or IMPS
- How to withdraw funds from Zerodha
- How to add a secondary bank account on Zerodha
- How to read your funds statement on Console
References
- Zerodha Support, “How to add funds to your Zerodha account,” support.zerodha.com.
- Reserve Bank of India, “Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions using authorised Payment Systems,” RBI/2019-20/142, September 2019.
- NPCI, “IMPS product overview,” npci.org.in.
- SEBI Circular SEBI/HO/MIRSD/MIRSD-SEC-3/P/CIR/2021/608, “Client funds segregation requirements.”
- Zerodha, Payment gateway fees policy.