Login to the Upstox App using your Upstox User ID, Password, and your Passcode (Year of Birth). You can then go to the Funds section where you can add funds for securities or commodities.

You can add funds in any one of the following ways mentioned below:  

  1. NetBanking 

  • NetBanking or internet banking is an electronic payment system that enables you to transfer funds in real-time directly to Upstox.

  • To add funds, click on the ‘Add’ button on the Funds page. You can then select the relevant account you want to transfer funds from and the amount you wish to transfer.

  • For NetBanking transfer select the NetBanking button on the app. This will cost you ₹7 for every transfer you make. After selecting this you will be taken to the bank NetBanking website where you will have to enter your credentials to pay. 

  • Please find the list of banks that are supported for NetBanking transactions on Upstox - List of Banks 

  1. UPI transfer

  • You can add funds using UPI as well which is free of cost.

  • Here you need to enter your UPI ID. You will then receive a payment request on your UPI app, once you accept this request the amount will be credited to your account instantly.

  1. GPay

You can also add funds using Google Pay (GPay). Once you select Gpay and click continue, a page will pop up on our Upstox platform and you need to enter your pin to make a successful payment. We have this feature for all our Android users.

  1. Smart Transfer

  • When you open an Upstox 3-in-1 account, you get an Upstox Trading account + an Upstox Demat account + a zero-balance IndusInd Bank Savings account all in one

  • The account also comes with an exclusive feature called Smart Transfer which is a clever way to trade without transferring money from your Savings account to your Trading account

  • All you need to enter the amount and click on submit. It will generate a one-time password (OTP) which will be sent to your registered phone number.  Once you enter the OTP, your Upstox balance will get updated immediately, 

  • You can deposit upto 5,00,000/- in one transaction, and there is no limit to the number of transactions. 

  • 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.

  • For more information on how it works click here or you can see the short video


Log in to your bank account that’s linked with Upstox and type in the following details to transfer funds via NEFT/RTGS/IMPS: 

For Securities:

Bank Name - HDFC Bank


Account Number - 00600340067574

Account Type - Current Account

IFSC Code - HDFC0000060

For Commodities:

Bank Name - HDFC Bank


Account Number - 15770340022236

Account Type - Current Account

IFSC Code - HDFC0000060ṁ

Please note that you should be using your registered bank account for IMPS transfers. You should avoid transferring funds through IMPS using PSP Apps such as Bhim, Google pay, etc.

  1.  Cheque

You can also deposit a cheque at HDFC bank addressed to:

For Equity, FNO, or Currency

"RKSV Securities India Pvt. Ltd" payable at Mumbai.

Account No: 00600340067574

Bank Name: HDFC Bank, Fort Branch, Mumbai - 400023

For Commodities

"RKSV Commodities India Pvt. Ltd." payable at Mumbai.

Account No: 15770340022236

Bank Name: HDFC Bank, Fort Branch, Mumbai - 400023

  • Please send us a scan copy or photo of the cheque to support@upstox.com.

  • Please note that the cheque should be from your registered bank account.

  • Cheques are accepted as long as they are coming from the same bank account you have registered with us. You can write the cheque to our account name (details are mentioned below). 

You can also check the Payment history from “View Payment History” in the funds' section which contains all your withdrawals and Deposits.

Here is a table that shows how much time it takes for money to be reflected in your Upstox account for different modes of transfer:


Mode of Transfers

          Time Frame

Net Banking 

         1 - 10 minutes     

Google Pay (Only on android phone)

          1 - 10 minutes     


          1 - 10 minutes     


          30 minutes


          3 - 4 hours


          3 - 5 working days


Note: Please refresh your Upstox web page or app to see updated funds.
*IMPS should be done through your bank’s website or bank’s mobile app. IMPS transfer done using PSP apps such as Bhim, Google pay, etc don’t get updated automatically.