Zerodha Ups Instant Withdrawal to ₹5L: Are You Eligible?

Zerodha has raised its instant fund withdrawal limit from ₹2 lakh to ₹5 lakh. If you have idle money sitting in your trading account, you can now move more of it to your bank account the same day — no waiting till next morning.

Here's what happened: Zerodha has raised the cap on instant fund withdrawals from ₹2 lakh to ₹5 lakh per day for eligible account holders.. Instant withdrawals work between 9 am and 6 pm on trading days — amounts above ₹5 lakh still follow the standard next-business-day transfer route.. Only settled, free cash balances qualify — proceeds from shares sold on the same day are not available for instant withdrawal until the T+1 settlement cycle completes..

What you should do: Open the Zerodha app and check your 'free cash' balance — this is the only amount eligible for instant withdrawal, not your total account value.. Avoid keeping large idle cash in your trading account long-term; sweep excess funds to a savings account or liquid mutual fund where it earns returns.. If you need more than ₹5 lakh urgently, place the withdrawal request before 6 pm and plan for the remaining amount to arrive the next business morning..

Sell shares today? That cash is locked for one extra day due to T+1 settlement — plan big withdrawals a day ahead to avoid delays.

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