On a typical trading day, it is not compulsory that the entire funds you’ve allocated for trading get used. In cases like this, the unused funds lie in your trading account until you decide to withdraw them. With Smart Transfer, since the allocated amount does not go outside the IndusInd Bank savings account, it reflects in your 3-in-1 account balance at the end of the day.


You allocated ₹4,00,000 from your IndusInd bank for trading in your Upstox account but used only ₹2,00,000 from it. Unlike a typical situation where the money remains in your Upstox trading account, here, the remaining ₹2,00,000 will reflect in your IndusInd bank account at the end of the day.