Starting 19 July 2025, you will no longer need to maintain separate wallets for Equity and Commodity trading. With the launch of a Single Wallet, you can use a common balance across Equity, F&O, Currency, and Commodities.

You can add or transfer funds to your Upstox account from a registered bank account using various modes.

Payin Modes

• Net Banking
• UPI transfer
• Google Pay
• NEFT/RTGS/IMPS
• Cheque

Note: If you are adding or transferring funds through 'Net banking', there will be a charge of ₹7 for every transaction. We do not charge for UPI transfer, GPay, NEFT/RTGS/IMPS, and Cheque.

Time-Frame of Payin

Mode of Transfers	Time Frame
Net banking	1 - 10 minutes
Google Pay (Only on android phone)	1 - 10 minutes
UPI	1 - 10 minutes
IMPS	30 minutes
NEFT/RTGS	3 - 4 working hours
Cheque	3 - 5 working days

Here are the steps to add funds

1. Login to the Upstox app using your 6-digit Pin or Biometrics.

2. Click on the ‘Funds’ tab.

3. Click on ‘Add funds’ under Funds tab

4. Enter the required amount

You’ll see the funds added to your wallet shortly

You can add funds in any one of the following ways:

Net Banking

• Netbanking or Internet banking is an electronic payment system that enables you to transfer funds in real-time directly to Upstox.
• Select the Netbanking button on the app. This will cost you ₹7 for every transfer you make. After selecting this, you will be taken to the bank’s Netbanking website where you can enter your credentials to pay.
• Please find the list of banks that support Netbanking transactions on Upstox - List of Banks

UPI transfer

• Using UPI is free.
• Simply enter your UPI ID, and you should receive a payment request on your UPI app.
• Once you accept this request, the amount will be credited to your account instantly. List of UPI Apps.

Google Pay (GPay)

• Once you select ‘Gpay’ and click ‘continue’, a page will pop up on your Upstox platform. Enter your PIN to make a successful payment.
• Please note that only Android users will be able to see the Gpay pay-in mode in their mobile app.

NEFT/RTGS/IMPS

Log in to your registered bank account with Upstox and enter the following details to transfer funds via

NEFT/RTGS/IMPS:

• Bank Name: HDFC Bank

• Account Name: Upstox Securities Pvt Ltd - USCNB A/C

• Account Number: 57500001411011

• Account Type: Current Account

• IFSC Code: HDFC0000060

  
  

Note: You should be using your registered bank account for IMPS transfers. Avoid transferring funds through IMPS using PSP Apps such as BHIM, Google pay, etc.

Cheque

Fill the following details and deposit a cheque at any HDFC bank addressed to:

• Bank Name: HDFC Bank
• Account Name: Upstox Securities Pvt Ltd - USCNB A/C
• Account Number: 57500001411011
• Account Type: Current Account
• IFSC Code: HDFC0000060
• Branch : HDFC Bank,Fort Branch, Mumbai -400023

• Send a scanned copy or photo of the cheque by 'Raising a ticket'.
• Cheques are accepted as long as they are incoming from the same bank account registered with Upstox. Write the cheque to our account name (details are mentioned above).
• View your deposit and withdrawal history in the Recent Transactions section under the Securities/Commodities Wallet tab.

Related Articles:

• How much I can add & withdraw funds from an Upstox account?
• What charges will be applicable if I add/withdraw the funds from the Upstox account?
• Can I add funds from the unregistered bank?
• How do I check linked bank accounts to my Upstox profile?