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How is my available balance for withdrawal calculated?

The amount available for withdrawal from your trading account depends on multiple factors. It is calculated based on your opening balance, after adjusting for:

  • Realised and unrealised profits/losses for the day
  • Margin used during the day
  • Brokerage and Charges, if any

However, certain funds are not eligible for withdrawal on the same day, such as:

  • Money added to your account on same day
  • Sale proceeds from holdings sold on same day (will be available after settlement, i.e., T+1)
  • Profits from intraday trades or F&O positions squared off the same day
  • MTM (Mark-to-Market) gains not yet settled

For example,

ParticularsAmount (₹)Withdrawal Eligible?
Opening Balance₹50,000Yes
Money added ₹10,000No
Sale proceeds from holdings₹20,000No (available post-settlement)
Realized losses ₹5,000No (Deducted from balance)
Margin used₹15,000No (Deducted from balance)

Available Withdrawal Amount:
₹50,000 (opening balance) – ₹5,000 (realized losses) – ₹15,000 (margin used)
= ₹30,000 (excluding any applicable charges)

Note:

  • Same-day profits (from intraday, F&O, or MTM) are not eligible for withdrawal. It  becomes withdrawable from the next trading day after settlement.

Once you place a withdrawal request, the amount is marked as ‘Reserved for Withdrawal’ and cannot be used for trading unless you cancel the request.