Why Can’t I Withdraw Despite Seeing a Ledger Balance in FYERS?
If you see funds in your ledger but are unable to place a withdrawal request, it's likely due to the T+1 settlement cycle used in Indian markets. This means that even after selling stocks or closing positions, the funds don’t become immediately available for withdrawal.
This guide explains the difference between your Ledger Balance and Withdrawable Balance, why delays occur, and what actions you can take.
Understanding Ledger Balance vs Withdrawable Balance
| Term | What It Means |
|---|
| Ledger Balance | Total amount in your trading account including unsettled profits or credits. |
| Withdrawable Balance | Funds that have completed T+1 settlement and are eligible for withdrawal. |
India follows a T+1 rolling settlement cycle for both equity and derivatives. Funds from trades become withdrawable the next working day.
Why Your Ledger Balance May Not Be Withdrawable Yet
| Scenario | What’s Happening |
|---|
| Recently sold equities | Funds are under T+1 settlement. Withdrawable on the next trading day. |
| Closed F&O / CDS / MCX positions | Profits and margins settle T+1. |
| Intraday square-offs | Even intraday profits settle next day before withdrawal. |
| Expiry day settlements | May take T+2 to reflect depending on exchange rules. |
| Pledged shares released | Unpledged funds are released after settlement completion. |
How to Check Your Withdrawable Balance
On FYERS Web:
- Click the wallet icon → Funds.
- Under Overview, look for Withdrawable Balance.
On FYERS App:
- Tap the Funds available card.
- View Withdrawable Balance under the withdrawable.
What If…
| Scenario | Solution |
|---|
| Ledger shows funds, but I can’t withdraw | Wait for T+1 settlement to complete. Use Withdrawable Balance as reference. |
| I sold stocks today and need funds urgently | Funds will be available on the next trading day. |
| F&O or MCX position closed today | T+1 applies. Check balance the next day. |
| I see zero withdrawable balance post-expiry | Wait for T+2 or contact our support. |
| Unpledged shares not credited | Wait for post-unpledge settlement cycle. |
| Funds didn’t release even after T+1 | Contact our support to check the reason. |
Always refer to the Withdrawable Balance—not the Ledger Balance—when planning your fund withdrawals.
Last updated: 25 Aug 2025
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