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 |
---|---|
5:00 AM – 5:00 PM | Processed on the same day |
5:00 PM – 5:00 AM | Processed by 4:00 PM on the next trading day |
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.
Fund Source | Time Added | Withdrawal Request Can Be Placed On |
---|---|---|
Razorpay UPI / Netbanking | Any time | T+1 day |
Atom UPI | Before 4:00 PM | T+1 day |
Atom UPI | After 4:00 PM | T+2 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.
Situation | Resolution |
---|---|
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 end of next working day; then raise a ticket 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. |
Last updated: 25 Aug 2025