How to Withdraw Funds in Zerodha?

If you're new to trading or investing and wondering how to take out your money from Zerodha, you're not alone. Many people open a Zerodha account, buy and sell stocks, and then get stuck at the most basic part, getting their money back into their bank account. No worries. We’ll explain everything, like how to withdraw funds in Zerodha.

Step-by-Step Guideline to Withdraw the Fund in Zerodha

Let’s say you sold some shares of Reliance today and want the money in your bank account. You can't just click a “Withdraw” button and expect it to be instant. Zerodha follows T+1 settlement. That means T (Trade Day) + 1 business day is when your money becomes withdrawable. So here are the given step-by-step guidelines to withdraw the funds in Zerodha:

1. Open the Zerodha App.

2. And then click on the profile tab.

3. Tap on the fund option.

4. Now, click on the withdraw button.

5. Now choose the option between Regular (24-48 hours) or Instant (Max: INR 1,00,000).

6. Enter the amount to withdraw, and then click on the continue button.

7. And then confirm your bank details, and click on the confirm button.

8. So now the message will pop up on your device screen that the “withdrawal request placed”

So if you have chosen the Regular option, then it will take time to be successfully debited to your account. By this, you can withdraw the added fund amount that you added before.

Note: You can’t withdraw directly from the Kite app. You’ll need to use Zerodha Console, which is like the backend of your trading account.

Time Taken for Fund Withdrawal in Zerodha

This is where most people get confused. Just because you sold your shares today doesn’t mean the money is immediately ready to withdraw.

Action	Time Taken
Sell shares on Monday	Money available by Tuesday evening (T+1).
Withdraw before 8:30 PM	Credited to the bank the next working day.
Withdraw after 8:30 PM	Credited on the day after next.
Weekends/Public Holidays	Delay happens; no settlement on holidays.

Fix Common Zerodha Fund Withdrawal Problems

Sometimes your Zerodha withdrawal gets stuck, rejected, or just doesn’t show up. No need to panic, it’s usually a simple fix.

Problem	Solution
The money is not visible for withdrawal	Wait for T+1 settlement to complete.
Request rejected	Try entering a round number like ₹1,000 instead of ₹998.70.
The bank account is not receiving funds	Wait 24 hours (after 8:30 PM cutoff, it comes the next day).
Bank account details are wrong	Update bank details in Zerodha (may take 1-2 days to reflect).

Can You Cancel or Change a Withdrawal Request in Zerodha?

No, you can't. Once you click that "Confirm" button on a withdrawal request in Zerodha Console, it’s final. You can't cancel, edit, or pull it back. Then, what you should do instead:

Double-check the amount before submitting
Make sure your bank account details are correct
If you entered the wrong amount by mistake, just wait for the money to reach your bank, then send it back if needed.

Important Points to Remember Before Withdrawing Money from Zerodha

Before you try to withdraw your funds, keep these key things in mind.

Check Your Withdrawable Balance

Don’t confuse your total funds with what you can actually withdraw.

Go to Console = Funds = Withdrawable Balance.
Only this amount is available for withdrawal.
It updates after T+1 settlement is complete.

For example, you sold HDFC shares worth ₹15,000 today. That money won’t be available until the next working day evening.

Withdrawal Timing Matters

If you place your request before 8:30 PM, Zerodha processes it that night.
If it's after 8:30 PM, it’ll be processed on the next business day.

Bank/Public Holidays: Delay Processing

Zerodha doesn’t process fund transfers on Sundays or bank holidays.
If you raise a request on a holiday, it will be processed on the next working day.

For example, if you request a withdrawal on Saturday at 9 PM, it’ll be processed Monday evening, not Sunday.

Conclusion

In Conclusion, Zerodha is great for investing, but the withdrawal process can feel confusing at first. Think of it like cooking rice, just because the water's boiling doesn’t mean the rice is ready. You have to wait a bit. Follow the steps, use Console, and don’t expect instant payouts like UPI or ATM withdrawals. Once you get the hang of it.

About the Author

Saniya

I'm a finance content writer with a BBA in FinTech, passionate about simplifying money matters for everyday Indians. I break down complex topics like investments, savings, and digital finance into easy, relatable content. My goal is to help you in a way that’s easy to understand, jargon-free, and actually useful in real life.

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