Guides
A growing collection of how-to guides and reference notes.
- Refunds for failed or unlinked-bank transfers to Zerodha
What happens to UPI, IMPS, NEFT and RTGS transfers to Zerodha that fail or come from an unlinked bank, the refund timelines to source, and how this differs from a pending credit.
- Limits on adding and withdrawing funds on Zerodha
The per-transaction and per-day limits for adding and withdrawing funds on Zerodha across UPI, netbanking, IMPS, NEFT and RTGS, and who sets each cap.
- How to convert a secondary bank account to primary on Zerodha
Step-by-step guide to convert a linked secondary bank account into your primary account on Zerodha, covering the Aadhaar e-sign flow, the Rs 25 plus GST charge, and the 72 working hour timeline.
- How to change a secondary bank account on Zerodha
Guide to changing or updating a linked secondary bank account on Zerodha, covering the process in Console, the test-transfer verification, the no-charge rule, and the 48 working hour timeline.
- How to add funds to Zerodha: accepted and not-accepted methods
How to add money to a Zerodha account: UPI, netbanking, IMPS, NEFT, RTGS and cheque are accepted; cash, demand drafts, wallets and direct UPI-app pushes are not.
- How long funds take to reflect in Zerodha
How long a Zerodha deposit takes to reflect by method: UPI instant, IMPS 10 minutes, NEFT and RTGS 2 hours, plus the 12 AM to 7:30 AM hold and the above-Rs-1 rule.
- Banks supporting eMandates on Zerodha
Which banks support eMandates and UPI AutoPay on Zerodha, how the NPCI Live-netbanking list decides eligibility, which account types are excluded, and how to check whether your bank is supported before you register a mandate.
- Unified Pension Scheme (UPS)
Stub article on Unified Pension Scheme (UPS). A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Transport Allowance (TA)
Stub article on Transport Allowance (TA). A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Personal Finance
Stub article on Personal Finance. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Pay Level (7th CPC Pay Matrix)
Stub article on Pay Level (7th CPC Pay Matrix). A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Pay Commission in India: 7th and 8th CPC Guide
Complete guide to the Central Pay Commission in India: what it is, the 7th CPC pay matrix and fitment factor, DA and HRA, the 8th CPC status, and the 1st to 8th CPC timeline.
- NPS vs UPS vs OPS
Stub article on NPS vs UPS vs OPS. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- MACP scheme: assured upgradation at 10, 20 and 30 years
The MACP scheme gives central government employees assured financial upgradation at 10, 20 and 30 years of service. Learn eligibility, pay fixation and MACP versus promotion.
- HRA in the 7th Pay Commission: X, Y and Z city rates
House Rent Allowance under the 7th Pay Commission is 30, 20 and 10 per cent for X, Y and Z cities since DA crossed 50 per cent, with the city classification and examples.
- Government Pension in India
Stub article on Government Pension in India. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Fitment Factor: Meaning, Formula and Examples
Fitment factor is the multiplier that converts old basic pay to revised pay under a pay commission. Learn the formula, the 7th CPC value of 2.57, and worked examples.
- Dearness Allowance (DA): 60% From January 2026
Dearness Allowance is 60% of basic pay from 1 January 2026. Understand what DA is, how AICPI-IW sets it, the calculation, the rate history, and the latest DA hike.
- Central Government Employees in India
Stub article on Central Government Employees in India. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Central Government Allowances
Stub article on Central Government Allowances. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- Basic Pay for Government Employees
Stub article on Basic Pay for Government Employees. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- 8th Pay Commission: Status, Fitment and Pay Matrix
8th Pay Commission explained: official status, expected fitment factor, projected pay matrix and salary hike, DA and effective date for central government employees.
- 8th Pay Commission salary: how to calculate it
Calculate your 8th Pay Commission salary: basic pay times the fitment factor, plus DA, HRA and allowances, with a step-by-step method and illustrative examples.
- 8th CPC Pension Calculation
Stub article on 8th CPC Pension Calculation. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- 8th CPC Pay Matrix
Stub article on 8th CPC Pay Matrix. A full encyclopedic entry for the WebNotes Indian Government Employees hub is pending.
- 8th CPC Fitment Factor: 1.92 to 2.86 Explained
What is the 8th pay commission fitment factor? Why it is not yet decided, the projected 1.92 to 2.86 range, union demands, and how it would set your new basic pay.
- 7th vs 8th Pay Commission: Key Differences Compared
7th vs 8th Pay Commission compared: fitment factor, minimum pay, effective date, pay matrix and DA, with confirmed 7th CPC facts and projected 8th CPC figures.
- 7th Pay Commission: Pay Matrix, Fitment 2.57 and 2016 Revision
The 7th Pay Commission explained: effective 1 January 2016, fitment factor 2.57, minimum pay Rs 18,000, the 18-level pay matrix, and revised DA and HRA.
- 7th CPC Pay Matrix: All 18 Levels and Entry Pay Table
Complete 7th CPC pay matrix: levels 1 to 18, entry pay, how to read your cell, and the 3% annual increment, with examples for central government employees.
- Zerodha NRI PIS versus non-PIS account
Stub article comparing the Zerodha NRI PIS and non-PIS account routes. A full encyclopedic entry is pending.