In order to trade, you need to fund your Trading account. This means that:

a) you have to bear extra fees for the fund transfer 

b) you lose out on interest since the funds are lying in your Trading account till they are utilized. 

Smart Transfer sorts this issue by helping you allocate an amount for trading without having to physically transfer it. All it takes is one click! And there are no transfer fees! 

The best part about this is that till your allocated funds are utilized, it continues to attract interest. Thus Smart Transfer saves both, your interest and time.

To understand this better, here's an example: 

Assume that you have ₹10,00,000 in your IndusInd Savings account and want to execute trades worth ₹4,00,000. Unlike a typical situation (where you fund your Upstox Trading account via your IndusInd Bank Savings account), with Smart Transfer, you simply allocate the ₹4,00,000 towards trading with just one click. The best part is that till the time this amount of ₹4,00,000 is used, it continues to attract interest, along with the remaining ₹6,00,000 since it lies within your IndusStox 3-in-1 account.