Breakdowns of the terms are defined as different scenarios

• Available to Trade
• Used Margin
• Total Margin
• Collateral Margin
• Cash Margin
• Unsettled Profits

Available to Trade

The 'Available to trade' section is updated whenever:

• You deposit funds into your Upstox account.
• You request a fund withdrawal, and your withdrawal request is processed by the Upstox back-office team.
• You place a trade request or order in the market.

Used Margin

Your 'Used Margin’ section will reflect in either of these two scenarios:

From your total 'Available to Trade' balance, when funds are used for trading, this amount will be shown in 'Used Margin’ as a positive amount. The possible scenarios when this may happen are:

• You buy stock in the Equity Delivery segment.
• You buy or short-sell a stock in the Equity Intraday segment.
• You buy or short-sell a Derivatives (Futures & Options) contract in Intraday or Delivery.
• You carry forward an open position to the next trading day for either a Futures contract or an Options contract (on the short side only).

Whenever you successfully sell a Delivery position, the amount will be receivable by you, and this will be shown as a negative amount in 'Used Margin'. The possible scenarios for this are:

• You successfully sell stock in the Equity Delivery segment (from your Demat account).
• You sell an open position (on the buy-side) in the Options segment.

Total Margin

Total Margin is the sum of ‘Cash Margin’, ‘Used Margin’, ‘Collateral Margin’, and ‘Unsettled Profits’. Total margin is updated every time you:

• Deposit funds into your Upstox account.
• Request a withdrawal, and your request is processed.
• Place a trade request or order in the market.
• Pledge your shares to obtain collateral margin.
• Sell your holdings.

Collateral Margin

Collateral Margin is the additional funds you receive for trading or investing by pledging securities held in your Demat account.

This amount is made available for trading in the F&O segment, against the Liquid Bees ETFs and the equity stocks that you have pledged.

Cash Margin

Cash Margin is the trading margin available to a trader in the following cases:

• When you add funds or withdraw funds from Upstox.
• When you sell your position or holdings, the margin will be added to the cash margin according to the settlement cycle.

Unsettled Profits

• Unsettled Profits refer to the amount of money you are supposed to receive from profits made or stocks sold.
• This is applicable for all segments.
• Unsettled or speculative profits refer to the day-to-day profits/losses on your positions.
• It fluctuates as per your trading position and the prevailing market prices.

Important Notes:

• Funds that are not settled cannot be withdrawn; withdrawals are possible only when the amount is settled.
• Settlement cycle: Amount will settle on T+1 trading day for all segments

Related Articles:

• Why is my fund balance lesser than I expected?
• When will I receive funds in my bank account after placing a withdrawal request?
• How can I withdraw funds from my Upstox account?