Every 3 months, SEBI makes it compulsory for brokers to return any unused money in a client’s trading account to their bank account. This is called Quarterly Fund Settlement.
So, on Saturday, 3 January 2026, any unused funds in your Upstox account will be sent to your registered bank account. You can check your bank statement to confirm the refund.
Want your funds to come back automatically into your Upstox account on Monday? Just set up a ‘Fund Reversal’ mandate from the Funds tab in the app.
If you don’t, your account balance may show ₹0 on Monday, and you’ll need to add funds again before trading.
For NEFT/RTGS transfers, please add Upstox as a beneficiary by Friday, 2 January (details below):
- Bank: HDFC Bank
- A/c Name: Upstox Securities Pvt Ltd - USCNB A/C
- A/c No.: 57500001411011
- Type: Current Account
- IFSC: HDFC0000060
Due to high transaction volumes, fund transfers could take up to 2 working days. Don’t worry, this process won’t affect your current orders, holdings, or positions.