How to Add Funds in Zerodha?

If you’ve just opened a Zerodha account and are wondering, “How do I add money to start trading?”, don’t worry. You’re not alone. Many beginners get stuck right at this point. So here in this blog, we are discussing about how to add funds in Zerodha. Whether you’re into stocks, F&O, or mutual funds, the first thing you need is money in your trading account.

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

Here are the step-by-step guidelines to add the fund in Zerodha:

1. Open the Zerodha App.

2. Tap on the Profile tab.

3. Tap on the Fund option.

4. Now, click on the Add Fund button.

5. Now enter the amount.

6. Now choose the pay with option.

7. Pay the fund, and then the message will display on your device screen that “payment successful”.

So, whenever you need to withdraw the fund amount, you can do it by just following the simple steps.

Problems While Adding Funds in Zerodha?

Sometimes things just don’t go as planned. Payment made, but no money in your Zerodha account? Relax, it happens. Here’s how to fix the most common issues without losing your mind.

Payment Done, But Money Not Showing?

What’s going on: You’ve completed the payment, your bank has debited the amount, but your Zerodha fund balance still shows ₹0.
Don’t panic, this is usually a delay in processing.

So, in case of what to do:

• Wait for 5 to 10 minutes.
• Refresh your Kite dashboard.
• Still nothing? Go to Zerodha support and raise a ticket with payment proof (screenshot of bank debit).

For example, Ravi used UPI to add ₹10,000. The money left his bank, but didn’t show in Kite. After 8 minutes and a refresh, it appeared. No support needed.

Paid Using the Wrong Bank Account?

What’s going on: Zerodha only accepts payments from the bank account you registered with. Any other account? They’ll reject the money.

So, in case of what to do:

• Contact Zerodha support with your payment details.
• Wait for a refund, which usually takes 5-7 working days.

It’s like ordering food on Swiggy and paying from your friend’s wallet; the restaurant won’t know where to deliver.

UPI Transaction Failed?

What’s going on: UPI payments can fail if your UPI ID is wrong or if the bank’s UPI server is down.

In this case, you can fix it like this:

• Double-check your UPI ID format:
  Correct: ramesh@upi or 98567@okhdfcbank
  Wrong: [email protected]
• Try again using apps like Google Pay, PhonePe, or Paytm.
• Still not working? Switch to Net Banking or wait a bit before retrying.

Is Adding Money to Zerodha Safe?

Yes, 100% safe, if you do it the right way. Zerodha uses bank-level security and follows strict regulations by SEBI (India’s market regulator). Your payments go through secure gateways just like your bank or UPI apps. But your safety also depends on your actions. Here's what you must follow to avoid any risk:

Do This	Don’t Do This
Always use the official Kite website (kite.zerodha.com) or the Kite mobile app. Use only your linked bank account or UPI ID. Save your payment confirmation screenshot, just in case.	Don’t send money directly to a random bank account number you saw on social media or WhatsApp. Don’t log in through unofficial links or fake websites. Never share your Kite login password or UPI PIN, even if someone claims to be from "Zerodha Support."

Imagine you’re booking a train ticket. You’ll only use IRCTC or trusted apps, right? Same with Zerodha, always stick to the official path.

Important Points to Remember

Before you go ahead and start adding funds like a pro, here are a few must-know tips to save time, avoid mistakes, and make your trading experience better:

Transfer Limits

Each payment method has a maximum limit per day. If you cross it, your transaction might fail.

Note: For smaller amounts, UPI is super convenient. But for big trades (like ₹2 lakhs+), use Net Banking.

Transaction Charges

Some methods are free, some come with extra charges:

Payment Method	Charges
₹0 (Free)	₹0 (Free)
Net Banking	₹9 + GST (per transfer)
IMPS/NEFT	Set by your bank

Note: If you’re doing frequent small transfers, stick with UPI to save money.

Withdrawing Funds from Zerodha

Want your money back? No problem,  just follow these steps:

• Go to the “Funds” section on Kite.
• Click on “Withdraw”.
• Enter the amount you want to withdraw.
• The funds will be sent to your registered bank account.

But how long does it take? Withdrawals are usually processed by evening if requested before the cutoff time (around 8:30 AM). You’ll get the money the same day or the next working day.

Note: You can’t withdraw intraday profits or unsettled funds immediately; wait for settlement (T+1 or T+2 days, depending on segment).

Conclusion

In conclusion, adding money to Zerodha is easy. If you can use Google Pay or order food online, you can do this. Just log in, click “Add Funds,” choose UPI or Net Banking, and complete the payment. That’s it. If anything goes wrong, don’t panic. Zerodha’s support team is pretty good, and your money is usually safe.