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

Payin Modes:

• Net Banking
• UPI transfer
• 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:

Step 1: Log in to the Upstox app using your 6-digit Pin or biometrics.

Step 2: Click on the ‘Wallet’ icon.

Step 3: Click on ‘Add funds’ under Funds tab.

Step 4: Enter the required amount and select the Payment method.

You’ll see the funds added to your wallet shortly.

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

Net Banking:

• Net Banking or Internet banking is an electronic payment system that enables you to transfer funds in real-time directly to Upstox
• Select the Net Banking option on the app. A fee of ₹7 will be charged for every transfer made via Net Banking
• However, if you swtich to the Upstox Plus pack, this ₹7 transfer fee will not be applicable. To learn how to activate Plus, click here
• After selecting this, you will be taken to the bank’s Net Banking website where you can enter your credentials to pay
• Please find the list of banks that support Net Banking 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

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

Note: If you've added funds today, you won't be able to withdraw them immediately or on the same day, as the funds are not yet settled. You can place a withdrawal request the next day once the funds have settled.

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?