How long does it take for added funds to reflect?

UPI and most net banking transfers typically reflect in the trading account within a few minutes during market hours, though it can occasionally take longer depending on the payment gateway and bank processing. IMPS transfers are usually similarly fast, while NEFT can take anywhere from a few minutes to a few hours, and transfers initiated outside banking hours or on a bank holiday will only process once banking resumes. If funds are added right before or during a settlement cycle, there can be a short additional delay before the amount becomes usable for margin, even if it shows in the account balance. You keep the payment reference number handy when adding funds, since that’s what the broker’s support team asks for first if a deposit doesn’t reflect within the expected window.