Why Can't I Withdraw Despite Having a Ledger Balance?
Seeing funds in your ledger but unable to withdraw? This can happen due to settlement timelines. Here's what you need to know about when your funds actually become eligible for withdrawal.
Understanding Ledger Balance vs Withdrawable Balance
Ledger Balance: Total funds in your trading account, including recent profits.
Withdrawable Balance: Funds that are fully settled and eligible for withdrawal.
The difference is based on the settlement cycle—funds from trades don’t instantly become withdrawable.
Why Your Ledger Balance May Not Be Withdrawable Yet
| Scenario | What’s Happening |
|---|
| Recently sold equities | Funds are under T+1 settlement. You'll be able to withdraw them the next trading day. |
| Closed derivatives positions (F&O/CDS/MCX) | Margins or profits from these segments also follow a T+1 release cycle. |
| Intraday square-offs | Even intraday profits are subject to T+1 settlement before they become withdrawable. |
India follows a T+1 rolling settlement cycle for both equities and derivatives.
What You Can Do
- Check your Withdrawable Balance in the Funds & Margin section.
- Wait until the next trading day for newly credited amounts to become withdrawable.
- Avoid placing withdrawal requests immediately after closing positions or selling holdings.
What If...
| Scenario | Solution |
|---|
| Ledger balance shows funds, but I can't withdraw | Wait for T+1 settlement to complete. Use the Withdrawable Balance for accurate reference. |
| I sold stocks today and need funds immediately | Funds will only become available after settlement on the next trading day. |
| I closed F&O/MCX positions today | Funds from these positions follow T+1 cycle as well—check your balance the next day. |
Tip: Always refer to the Withdrawable Balance—not the Ledger Balance—when planning fund withdrawals.
Last updated: 10 Jun 2025
Related Articles
Why am I unable to withdraw funds in FYERS?
If you're unable to place a withdrawal request on FYERS, don’t worry—there are several common reasons why this might happen. This article explains what could be blocking your withdrawal and how to resolve it. To know the withdrawal rejection reasons, ...
Why aren't my recently added funds reflecting in my trading account ledger?
Funds added to your FYERS trading account may not always appear instantly in your ledger, depending on the payment method and processing time. Don’t worry—this is usually a temporary delay and will be reconciled within the same business day. Expected ...
How to withdraw funds from my trading account on FYERS?
Need to move money from your FYERS trading account to your bank? This step-by-step guide walks you through the process using both the FYERS web and mobile platforms, while highlighting withdrawal types, limits, and timing details. Steps to Withdraw ...
Can I use my trading account balance to apply for corporate bonds in the primary market?
No, you cannot use the balance in your FYERS trading account to apply for corporate bonds or Debt IPOs in the primary market. As per regulatory guidelines, all applications must be routed through the UPI (Unified Payments Interface) system linked to ...
What is the procedure to add funds for investing in G-Sec/T-Bill/SDL?
To invest in Government Securities (G-Sec), Treasury Bills (T-Bills), or State Development Loans (SDL), use the fund balance in your FYERS trading account. For detailed steps on how to add funds to your trading account, refer to this article.