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 working 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.