Fund Settlement on WebNotes

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 .

Zerodha withdrawable balance: why it differs from your ledger

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

The withdrawable balance is the single number that tells you how much money you can actually take out of your Zerodha account and send to your bank. Zerodha defines it plainly: it is the money you can move from your Zerodha account to your bank account. The figure that confuses most clients is not this one but the gap between it and the other balances they see, namely the ledger balance and the total account balance. This reference explains what the withdrawable balance is, why it is almost always lower than your ledger, why sale proceeds are not available the same day, why a payout can arrive smaller than you asked for, what makes the figure go negative, and how pledging and open positions affect it. For the step-by-step procedure, see how to withdraw funds from Zerodha ; for how long the money then takes to arrive, see Zerodha withdrawal processing time .

Zerodha withdrawal processing time: cut-offs and when funds reach your bank

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

A Zerodha fund withdrawal is not an instant transfer by default. When you place a regular withdrawal request on Kite , the amount is processed in a scheduled batch and then sent to your bank by IMPS , so the time it takes to reach your account depends on when you place the request relative to the daily processing cut-off. This reference explains the withdrawal processing schedule, the cut-off times for different account configurations, the 24-hour and 48-hour rules, how weekends and bank holidays are handled, and when sale proceeds actually become withdrawable. For the step-by-step procedure, see how to withdraw funds from Zerodha ; for the immediate route, see how to get an instant payout from Zerodha .