Zerodha withdrawal processing time: cut-offs and when funds reach your bank
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 .
Conflict-of-interest disclosure. This reference is published by the WebNotes Editorial Team for informational purposes and is written independently. WebNotes operates a Zerodha account-opening referral programme, disclosed on the pages that carry the referral link; this page does not carry it and earns no commission from the timelines described here.
The withdrawal processing schedule at a glance
Zerodha collects withdrawal requests through the day and processes them in scheduled batches rather than one by one in real time. The relevant timings are:
- Weekdays, Monday to Friday, with no commodity segment activated on the account: the cut-off is 10:00 PM IST.
- Weekdays, Monday to Friday, with the commodity (MCX) segment activated: the cut-off is 11:59 PM IST.
- Saturday: the cut-off is 4:30 PM IST.
- Sunday and public holidays: requests are processed on the next working day.
A request that reaches Zerodha before the applicable cut-off is taken up in that day’s batch. A request that comes in after the cut-off rolls forward to the next processing cycle. Because banking infrastructure also rests on Sundays and public holidays, the actual bank credit lands on a working day even where the request itself was accepted earlier.
Why a Zerodha withdrawal is not instant by default
The reason a regular withdrawal carries a processing schedule at all is that the money in your trading account is not all immediately movable. The figure you can send to your bank is the withdrawable balance , which is usually smaller than your ledger balance because Indian exchanges do not settle equity and derivative trades instantly.
Equity delivery trades settle on a T+1 rolling cycle, the full rollout of which was completed in January 2023. Money you deposit can be traded the same day, but it can only be withdrawn the next day once Zerodha has run its end-of-day reconciliation. During that end-of-day process, which typically runs between 5:00 PM and 9:00 PM, Zerodha applies the day’s charges, any net obligations and any trading losses to your account. This is why the withdrawable balance you see during market hours can differ from the figure after the market closes, and why a withdrawal request is slotted into a batch rather than paid out the instant you ask for it. The mechanics of the settlement cycle are covered in detail in Zerodha T+1 settlement explained and the broader T+1 settlement cycle reference.
Withdrawal cut-off times in detail
The cut-off that applies to your account depends on which segments are active and on the day of the week.
Equity-only accounts: 10:00 PM on weekdays
If you have not activated the commodity segment, the weekday cut-off is 10:00 PM IST from Monday to Friday. A withdrawal request that is accepted before 10:00 PM is taken into that night’s processing batch. A request after 10:00 PM moves to the next working day’s cycle.
Commodity-enabled accounts: 11:59 PM on weekdays
If the commodity segment is activated on your account, the weekday cut-off shifts later, to 11:59 PM IST, because the commodity market operates a longer trading session. The trade-off is that processing happens later in the night, so the credit, while still typically inside the 24-hour window measured from the cut-off, arrives later in clock time than it would for an equity-only account.
Saturday: 4:30 PM
On Saturday, the cut-off is 4:30 PM IST regardless of segment configuration. Saturday is not a normal banking-settlement day for most purposes, so even a Saturday request accepted before 4:30 PM may only reflect in the bank on the next working day, depending on your bank’s own processing of inbound IMPS credits.
Sunday and public holidays: next working day
Requests placed on a Sunday or on a public holiday are not processed that day. They are queued and processed on the next working day. This is a function of both Zerodha’s processing schedule and the banking calendar: there is no settlement infrastructure running to move the money into your account on a non-working day.
The 24-hour and 48-hour rules: when funds reach the bank
The most common source of confusion is the meaning of the 24-hour window. The rule is measured from the cut-off, not from the request:
- A request placed before the applicable cut-off is usually credited within 24 hours of that cut-off time.
- A request placed after the cut-off is processed in the next cycle, which adds an extra working day and can take up to 48 hours in total.
A worked example makes this concrete. Suppose you have an equity-only account, so your cut-off is 10:00 PM. If you place a withdrawal at 3:00 PM on a Tuesday, the request is comfortably inside that day’s batch, and the credit is generally expected within 24 hours of the 10:00 PM cut-off, that is, by Wednesday night at the latest, often sooner. If instead you place the request at 11:00 PM on Tuesday, you have missed the Tuesday cut-off; the request is processed in Wednesday’s cycle and the credit can take up to 48 hours from the original request. Where the next day is a non-working day, the clock effectively pauses until banking resumes.
Same-day credit and the 5:00 PM rule
There is a faster path for a regular withdrawal that does not require the instant payout feature. If all of the following are true, a request placed before 5:00 PM IST can be credited to your bank the same day:
- You have not traded on that day.
- You have no open positions.
- You have not already placed an instant withdrawal request that day.
- Your withdrawable balance is sufficient for the amount requested.
Place the same request after 5:00 PM and it moves to the next day’s processing. The 5:00 PM threshold aligns with the start of the end-of-day settlement and reconciliation window, which is why a clean account, with no trades and no open positions, can be paid out same day if it beats that boundary. If you have traded or hold positions, the request waits for the relevant batch instead.
Special cases that change the timing
Two account-level situations override the general schedule and push processing to a fixed late-night slot.
CNC (delivery) sell orders
If you have placed CNC, that is delivery, sell orders during the day, a regular withdrawal request is processed only at 10:00 PM, not in any earlier same-day batch. The same-day 5:00 PM path does not apply in that case, because the proceeds and obligations from those delivery trades need to flow through the end-of-day process first. If you want the cash from a delivery sale, remember that the proceeds themselves only become withdrawable on T+1 in any event.
Single ledger enabled
If the single-ledger arrangement is enabled on your account, withdrawals are processed only at 11:59 PM, irrespective of which segments are active. This is a deliberate consolidation of the processing time and means you should not expect an earlier same-day credit when single ledger is in force.
Bank holidays and weekends
Because the final leg of a withdrawal is a bank transfer, the banking calendar matters as much as Zerodha’s own schedule:
- On Sundays and on public holidays, requests are processed on the next working day. The money reaches your bank on a business day rather than on the holiday.
- On Saturday, requests are accepted up to the 4:30 PM cut-off, but the inbound credit at your bank may still land on the next working day, since Saturday is not a standard settlement day for many banks.
If you need funds available over a long weekend or a festival holiday, place the request well before the cut-off on the last preceding working day, or use the instant payout route described below, which operates on all days including weekends within its time window.
Receiving funds after you sell shares
A frequent question is how soon you can withdraw the money from a sale. The answer follows the settlement cycle, not the withdrawal schedule. Proceeds from a sale become withdrawable after T+1, once the trade is settled. Two examples Zerodha gives:
- Sell shares on Monday and the proceeds are available to withdraw on Tuesday.
- Sell shares on Friday and the proceeds are available to withdraw on Monday morning, since the intervening Saturday and Sunday are not settlement days.
Once the proceeds are settled and showing in your withdrawable balance, the normal cut-off and 24-hour or 48-hour rules described above apply to the withdrawal itself. If you have made no further trades after the sale settles and you submit the request before 5:00 PM, the funds can be credited that same settlement day. For why your withdrawable balance can lag your ledger balance, see positions with unsettled balances and same-day profits and your Kite balance .
When the instant payout route is faster
If you cannot wait for the batch schedule, the instant payout feature credits your linked bank account immediately. It can be used once a day, between 9:00 AM and 4:00 PM on all days including weekends, for whole-number amounts from Rs 100 up to Rs 2,00,000, and it is free of charge. Eligibility conditions apply, including restrictions on pending orders and open positions, so it is not available in every situation. For larger sums, for amounts that are not whole numbers, or outside the 9:00 AM to 4:00 PM window, the regular withdrawal with its standard processing schedule is the route to use.
A practical decision rule: if your amount is within the instant limit, you are inside the 9:00 AM to 4:00 PM window, and you meet the eligibility conditions, use the instant payout for an immediate credit; otherwise place a regular withdrawal and plan around the cut-off so you fall inside the 24-hour window rather than the 48-hour one.
What affects how long your withdrawal takes
Several factors decide whether your credit lands quickly or rolls to the next day:
- The time of your request relative to the applicable cut-off. Beating the cut-off keeps you in the 24-hour window.
- Whether you have traded or hold open positions that day, which removes the same-day 5:00 PM path.
- Whether you have CNC sell orders or single ledger enabled, both of which fix processing to a late-night slot.
- The day of the week and the banking calendar, since Sunday, public-holiday and some Saturday requests roll to the next working day.
- Your bank’s own speed in posting an inbound IMPS credit, which is outside Zerodha’s control.
- Whether the destination account is verified. Zerodha only pays out to bank accounts that have been verified through a penny drop, so an unverified account cannot receive the credit at all.
If a credit has not arrived within the expected window, first confirm that the destination is your verified primary bank account , then check the funds entries in your Console funds statement and how to read your funds statement on Console . If money was deducted from your Kite balance but has not reached the bank, follow how to reconcile a missing fund credit on Zerodha .