What should I do if money is debited from my bank but not credited to my trading account?

First, you confirm with your bank that the debit is final and not a temporary hold or a transaction that later reversed, since some failed transfers show as debited momentarily before bouncing back. You then check the payment gateway or UPI app for a transaction reference number (UTR for NEFT/IMPS, or the UPI transaction ID), since that’s the single most important piece of information for resolving this. With that reference number in hand, you raise the issue with the broker’s support team, specifically mentioning it’s an unmatched or unreflected deposit, along with the amount, date, and time of the transaction. Most of these cases resolve within a day or two once the broker’s back office manually matches the payment, but if it’s been longer than 48 hours without resolution, you’d escalate through the broker’s formal grievance channel or SEBI SCORES, since an unreflected but debited deposit involving your money is not something to let sit indefinitely.