Timing matters when it comes to fund withdrawals. Depending on when and how you place your request—and how the funds were added—this guide explains when you can expect the amount to be processed and credited to your bank account.
| Request Time | Processing Window |
|---|---|
| 8:00 AM – 5:00 PM | Processed on the same day |
| 5:00 PM – 5:00 AM | Processed on the next trading day, and the funds are received in your bank account on or before 4:00 PM |
If you have open commodity positions or orders (MCX/NCOM), even same-day requests will be deferred to the next trading day. While the request is processed same-day, bank crediting may happen the following day.
Requests made on these days will be pushed to the next working day.
For a full list of trading and settlement holidays, refer to the FYERS Holiday Calendar.
| Fund Source | Time Added | Withdrawal Request Can Be Placed On |
|---|---|---|
| Razorpay UPI / Netbanking | Any time | T+1 day |
| Atom UPI | Any time | T+1 day |
| Netbanking via Atom | Any time | T+2 day |
T+1/T+2 refers to the number of working days after the fund was added.
| Scenario | Solution / What happens? |
|---|---|
| Request made during non-working hours | Wait until the next working window for processing. |
| Funds not credited despite status as processed | Check your bank account by the end of the next working day; then contact us if needed. For detailed guidance, refer to this article. |
| Using UPI/netbanking funds immediately | Ensure the T+1 or T+2 cycle is completed before requesting withdrawal. |
| What if I place a withdrawal at 8:31 AM? | It will be processed on the same day, and funds will be credited to your bank account by the end of the day. |
| What if I place a withdrawal at 5:00 PM exactly? | It is treated as part of the same-day batch, and funds will be credited by the end of the day. |
| What if I place a withdrawal at 7:00 PM? | It will be processed on the next working day, and the funds will be received in your bank account on or before 4:00 PM. |
| What if I place another withdrawal after 5:00 PM on the same day? | That request will be treated as a next-day and and the funds will be received in your bank account on or before 4:00 PM. |
| What if there is a delay in NSE/BSE settlement files? | Even if placed during the same-day window, the request may be carried forward and processed in the next, and the funds will be received in your bank account on or before 4:00 PM. |
| What if there is a delay in MCX settlement files? | Requests scheduled for early processing may shift to the next batch (day window) and funds will be credited by the end of that day instead. |