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    Update in Funds Payout & Margin Adjustment Process for Equity and F&O Trades

    With effect from 16th February, 2026, there is an update in the way funds payout is done for Equity and F&O Trades.

     

    The key details of the revised process are explained below:

    1. Funds Payout for T day (say Monday) on T+1 day (say Tuesday) (12:30 PM – 3:30 PM)

    This is the payout of funds from the previous day’s trades. Currently, entire payout amount is being credited to customer's account on T+1 day.

    What’s changing:

    • At the time of processing of payout to be released, system will first check whether you have used any trading limit from the funds to be credited.

    • If yes, the utilized amount will be temporarily withheld in limits.

    • The remaining unutilized amount will be credited to your linked bank account in the payout process.

     

    2. T-day EOD Margin Debit Credit Process (say Tuesday) (After 3:30 PM)

    This is the final check for the same trading day (i.e. Tuesday)  for both margin and settlement obligation.

    At this stage:

    • Funds which were withheld during the day will be considered first to meet the peak margin amount.

    • Additional funds are debited only if withheld amount is not sufficient to meet the peak margin obligations.

    • If excess funds are available, they are credited back to customers bank account.

     

    To understand this in detail, below is an example on the process :

    Let’s assume the fund payout amount for trades done on Monday is ₹10000.

    Step 1: Tuesday (T+1) Payout (12:30 PM)

    • Customer has used ₹3000 for trading on T+1 day before payout process

    • ₹3000 is withheld in limits as Upstream Amount

    • Remaining ₹7000 is credited to your bank account

     

    Step 2: EOD Margin Check for Tuesday (After 3:30 PM)

    Scenario A: Utilisation increases

    • Final limit utilisation at the end of day: ₹8000

    • ₹3000 already available in withheld limits

    • Additional ₹5000 debited from bank account

    i.e Margin requirements are met

     

    Scenario B: Utilisation reduces

    • Final utilisation: ₹0

    • ₹3000 withheld in limits is released

    • ₹3000 credited back to bank account

    i.e. Excess funds are returned automatically

     

    Note:

    With this change, relevant clauses pertaining to funds payout have been suitably modified in the existing terms and conditions

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