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 it. With Smart Transfer, since the allocated amount does not go outside the IndusInd Bank Savings account, it reflects in your IndusStox 3-in-1 account balance within 24 hours.

Here's an example to understand this better:

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, and the remaining ₹2,00,000 will reflect in your IndusInd Bank Savings account within 24 hours.