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?