POST 
/user/payments/payout

Payout Request

API to place a fund withdrawal (payout) request for the authenticated user. Supports Standard (NEFT) and Instant (IMPS) withdrawal modes. The withdrawal is credited to the user's registered primary bank account.

• Use the Get Payout Modes API to fetch the modes available and eligible withdrawal amount to your account along with the minimum and maximum withdrawal amounts for each mode before placing a request.
• NEFT (Standard): Free of charge.
• IMPS (Instant): Credited within minutes subject to eligibility.
  Fee: ₹20 + GST (Basic plan); Free (Plus plan).
• Only one active withdrawal request is allowed at a time.
• IMPS requests cannot be edited once initiated.
• The Payout APIs are subject to a separate rate limit. For more information, please check here.

Instant Withdrawal Eligibility

IMPS (Instant) withdrawals are subject to real-time eligibility checks. See Instant Withdrawal Eligibility for the full list of criteria.

Request

curl --location --request POST 'https://api.upstox.com/v2/user/payments/payout' \
--header 'accept: application/json' \
--header 'Authorization: Bearer {your_access_token}' \
--header 'Content-Type: application/json' \
--data '{"mode": "IMPS", "amount": 5000.0}'

Additional samples in various languages are available in the Sample Code section on this page.

Request Body

Name	Type	Required	Description
mode	string	Yes	Withdrawal mode. One of NEFT (Standard) or IMPS (Instant).
amount	number	Yes	Withdrawal amount in INR. Must satisfy the min/max bounds for the selected mode.

Responses

200

Response Body

{
    "status": "success",
    "data": {
        "transaction_id": "ABC123XYZ-GC0173-7HIMPSABC",
        "status": "received",
        "mode": "IMPS",
        "amount": 5000.0,
        "currency": "INR",
        "eta": "2026-04-19 13:30:00",
        "created_at": "2026-04-19 13:25:56",
        "bank_name": "AXIS BANK",
        "message": "Your instant withdrawal request has been received. Funds will be credited within 5 minutes."
    }
}

Name	Type	Description
status	string	Outcome of the request.
data	object	Payout transaction record.
data.transaction_id	string	Unique identifier for the payout transaction.
data.status	string	Current state of the payout. One of RECEIVED, VALIDATING, APPROVED, TRANSFER_IN_PROGRESS, COMPLETED, REJECTED, REVERSED.
data.mode	string	Resolved payout mode. One of NEFT or IMPS.
data.amount	number	Withdrawal amount in INR.
data.currency	string	Currency code. Always INR.
data.eta	string	Estimated completion time (YYYY-MM-DD HH:MM:SS).
data.created_at	string	Transaction creation timestamp (YYYY-MM-DD HH:MM:SS).
data.bank_name	string	Display name of the destination bank.
data.message	string	User-facing status message.

400

Error codes

Errors follow the standard API error format.

Error Code	Description
UDAPI1215	Payout mode is required.
UDAPI1216	Payout mode must be NEFT or IMPS.
UDAPI1217	Payout amount is required.
UDAPI1218	Payout amount must be at least 100.
UDAPI100072	The Funds service is accessible from 5:30 AM to 12:00 AM IST daily. Please try again during these service hours.
UDAPI100500	Your withdrawal amount cannot be greater than your available to withdraw balance.
UDAPI100500	Another withdrawal request is already active. Only one pending payout is allowed at a time.
UDAPI100500	User account is inactive, dormant, or not eligible for the selected mode.
UDAPI100500	Primary bank account not found.

Sample Code

Payout request

Python

import requests

url = 'https://api.upstox.com/v2/user/payments/payout'
headers = {
    'accept': 'application/json',
    'Authorization': 'Bearer {your_access_token}',
    'Content-Type': 'application/json',
}
payload = {
    'mode': 'IMPS',
    'amount': 5000.0,
}
print(requests.post(url, headers=headers, json=payload).json())

Node.js

const axios = require('axios');
axios.post('https://api.upstox.com/v2/user/payments/payout',
  { mode: 'IMPS', amount: 5000.0 },
  {
    headers: {
      accept: 'application/json',
      Authorization: 'Bearer {your_access_token}',
      'Content-Type': 'application/json',
    },
  }
).then(r => console.log(r.data));

Java

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;

public class Main {
    public static void main(String[] args) throws Exception {
        String body = "{\"mode\": \"IMPS\", \"amount\": 5000.0}";
        HttpRequest req = HttpRequest.newBuilder()
                .uri(URI.create("https://api.upstox.com/v2/user/payments/payout"))
                .header("accept", "application/json")
                .header("Authorization", "Bearer {your_access_token}")
                .header("Content-Type", "application/json")
                .POST(HttpRequest.BodyPublishers.ofString(body))
                .build();
        System.out.println(HttpClient.newHttpClient().send(req, HttpResponse.BodyHandlers.ofString()).body());
    }
}

PHP

<?php
$url = 'https://api.upstox.com/v2/user/payments/payout';
$payload = json_encode(['mode' => 'IMPS', 'amount' => 5000.0]);
$ch = curl_init($url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, $payload);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    'accept: application/json',
    'Authorization: Bearer {your_access_token}',
    'Content-Type: application/json',
]);
echo curl_exec($ch);
curl_close($ch);