The steps to check your balance in the back office portal are as follows:
1) Visit the Keystone portal and Log in with your Upstox user ID and password.
2) Click on ‘Reports’ and select ‘Ledger Report.
3) Apply the required year, date, segment, and column filters and click on Go.
4) You can then view your Ledger.
The ‘Narration’ column will show you the reason why your balance is negative (Credit balance, which is negative while calculating the closing balance).