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    All you need to know about Buy Now Pay Later (MTF) while investing in Stocks...
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    General Queries

    Why am I receiving an SMS saying fund balance Rs. 0 sent by NSE?

    The fund balance is shown as Rs. 0 because ICICI Direct follows a 3-in-1 account model. Here’s what that means:

    • When you allocate funds for trading, the amount is blocked in your ICICI Bank account, not transferred to the broker.
    • Since the funds remain in your bank account, ICICI Securities does not have custody of your money unless a trade is executed.
    • As per NSE reporting rules, brokers must report only the funds actually held by them. Since ICICI Securities holds no funds on your behalf in this model, your fund balance is reported as Rs. 0.

    This is different from the 2-in-1 model used by other brokers, wherein funds are transferred to the broker's pool account in advance and show up in their reports.

    Important Changes to Pay-In and Payout Processing effective 14th November 2024 Why haven't I received proceeds after sale of shares? Why am I getting frequent messages from NSE regarding funds and securities balance? (ICICI SECURITIES LIMITED on DD-MM-YY reported your Fund bal Rs. 0 & Securities bal 0. This excludes your Bank, DP & PMS bal with the broker - NSE.)
    How do I check the status of your shares (pledged / unpledged)? What is CUSPA? (Client Unpaid Securities Pledgee Account) What actions does ICICI Securities take to liquidate CUSPA shares if I do not fulfil my outstanding payment obligations? How will my shares be released from CUSPA? Why am I unable to place certain orders when that stocks are present under CUSPA holdings? Where can I check if a stock is in MWPL ban?
    An important update enhancing the securities payout process for Margin Trading Facility (MTF) positions.
    What is Reverse Trade Cancellation Mechanism (RTCM)? When are funds credited to customers account? Can we do trading in BSE – Derivatives from ICICIdirect mobile apps? How do I protect myself against financial fraud (Investor alert – Unauthorised use of ICICI Securities brand name)? Is stock list available on ICICIdirect apps? By when the profit will be credited to my bank account? Why Periodic Call Auctions (PCA) for Illiquid Stocks? What is the impact of the Settlement Holiday? Can a client trade in all scrips during Pre- Opening session? What is Periodic Call Auction (PCA), and how does it work?
    What is Tax Loss Harvesting? What do you mean by capital gains? What is short term capital gain tax? How is it calculated? What is long term capital gain tax? How is it calculated? When does the client have to take action for harvesting their losses under tax loss harvesting? Help me understand the Tax Loss Harvesting Tool on ICICI Direct Website. How is dividend income taxed?
    What is the deadline to clear outstanding obligations? What is the purpose of the SPOT product? What is considered an outstanding obligation?
    When will I get limits for my sell transactions in delivery? Why is Early pay-in of securities done? Is this EPI benefit allowed for all demat accounts? I have NSDL Demat Account, when will the cash sell trade value be released to my limits? Is this facility available for both Resident Individual and Non-Resident Individual clients who have NSDL Demat account? Is this facility available for CDSL Demat account holders? Are there any additional scenarios where limits from sale of securities will be withheld? What are Demat Charges for Early-pay in of securities?
    All you need to know about Infosys Buyback
    How does SEBI’s “SEBI Check” tool help verify UPI IDs? Who issues validated UPI IDs? Are there transaction limits for UPI in the capital market? How can investors ensure they don’t fall for fake UPI IDs? By when will old UPI IDs be phased out? Why are new @valid UPI IDs being introduced by SEBI? Do I (as an investor) have to use these validated UPI IDs? What happens to payments made using old UPI IDs? How do I know if a UPI ID is valid? What should I do if a payment fails with the validated UPI ID? Can an intermediary (broker) have more than one validated UPI ID? Do I always have to scan a QR code to transfer funds via UPI? How can I add funds to my ICICI Direct trading account via UPI?
    What is the meaning of the EBA entries in my bank statement?
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