Zerodha credit balance vs ledger balance: unsettled and free credit funds

Tue, 30 Jun 2026 00:00:00 +0000

Three different balances describe the money in a Zerodha trading account, and they are easy to conflate: the ledger balance, the credit balance and the withdrawable balance. The first two are the subject of this reference. The ledger balance is the accounting record of your account, the credit balance describes whether that record is in your favour, and terms like debit balance, unsettled funds and free credit balance all describe particular states of the same ledger. Understanding how they relate explains why the money shown in your account is not always the money you can spend or withdraw. For the figure that tells you what you can actually take out, read Zerodha withdrawable balance .

Credit Balance on WebNotes

Zerodha credit balance vs ledger balance: unsettled and free credit funds