Breakdowns of the terms are defined as different scenarios
1) Available to Trade
The 'Available to trade' section is updated whenever:
You deposit funds into an Upstox account.
You request a fund withdrawal, and your withdrawal request is processed by the Upstox back-office team.
Whenever you place a trade request or order in the market.
2) Used Margin
Your 'Used Margin’ section would be used in either of these two scenarios:
From your total 'Available to Trade' balance, when an amount of funds is used for trading, this amount will be shown in 'Used Margin’. This is denoted as a positive amount. The possible scenario when this may happen is:
You buy Stock in the Equity Delivery segment.
You buy or short sell a Stock in the Equity Intraday segment.
You buy or short sell a Derivatives (Futures & Options) contract in Intraday or Delivery.
You carry forward an open position to the next trading day for either a Futures contract or an Options contract (on the short side only).
Whenever you successfully sell a Delivery position, an amount will be receivable by you, and this amount will be shown in 'Used Margin'. This will be denoted as a negative amount. The possible scenarios when this may happen are:
You successfully sell a Stock in the Equity Delivery segment (from your Demat account).
You sell an open position (on the buy-side) in the Options segment.
3) Total Margin
Total Margin is the sum of ‘Cash Margin’, ‘Used Margin’, ‘Collateral Margin’, and ‘Unsettled profits’. Total margin is updated every time you:
Deposit funds into your Upstox account.
Request for withdrawal and your request is processed.
Place a trade request or order in the market.
Pledge your shares to obtain collateral margin.
Sell your holdings.
4) Collateral Margin
Collateral Margin is the additional funds you receive for trading or investing by pledging securities held in your Demat account.
This amount is made available for trading in the F&O segment, against the Liquid Bees ETFs and the Equity stocks that you have pledged.
5) Cash Margin
Cash Margin is the trading margin available to a trader in the following cases:
When you add funds or withdraw funds from Upstox.
When you sell your position or holdings, the margin will be added to the cash margin according to the settlement cycle.
6) Unsettled Profits
Unsettled Profits refer to the amount of money you are supposed to receive on account of profits made or stocks sold.
This is applicable for all segments.
Unsettled or speculative profits refer to the day-to-day profits/losses on your positions.
It keeps fluctuating as per your trading position as per the prevailing market prices.
Important Note:
Funds that are not settled cannot be withdrawn; withdrawals are possible only when the amount is settled.
Settlement cycle: Amount will settle on T+1 trading day for all segments
Related Article:
Why is my fund balance lesser than I expected?
When will I receive funds in my bank account after placing a withdrawal request?