Zerodha has raised its instant withdrawal limit from ₹2 lakh to ₹5 lakh a day, and the facility will now work from 9 AM to 6 PM on all days, including weekends and market holidays. Co-founder and CEO Nithin Kamath announced the change on 3 November 2026 and said the brokerage has paid out nearly ₹1 lakh crore through instant withdrawals since 2024, without charging customers.
The move gives traders and investors faster access to unused money in their trading accounts, at a time when India’s largest discount brokers are competing on everyday convenience as much as on pricing. It also touches a sensitive part of the broking model: Zerodha now earns a growing share of its revenue from float income on client funds, so letting customers move larger sums out quickly is a notable choice.
What changes in Zerodha instant withdrawal
In a post on X, Kamath said the limit has gone up from ₹2 lakh to ₹5 lakh and that the service is now available from 9 AM to 6 PM, including weekends and market holidays. According to Business Today, the key terms are:
- Daily limit: up to ₹5 lakh a day, compared with ₹2 lakh earlier.
- Minimum amount: ₹100, unchanged.
- Frequency: one instant withdrawal request a day.
- Timing: 9 AM to 6 PM on every day, including Saturdays, Sundays and market holidays.
- Destination: the customer’s primary bank account linked to the trading account.
- Cost: free, as before.
Which funds can be withdrawn instantly
Not every rupee shown in a trading account qualifies. Money added on the same day cannot be withdrawn instantly, and proceeds from share sales may still be subject to settlement rules. Open positions, pending orders and margin requirements can also reduce the withdrawable balance, so customers should check that figure before placing a request. Funds that do not qualify continue to move through the brokerage’s regular withdrawal cycle.
Why it matters for India’s wealthtech market
Instant payouts have become a basic expectation for retail investors who are used to real-time UPI transfers in the rest of their financial lives. Kamath’s figure of nearly ₹1 lakh crore paid out since 2024 shows how much money already moves through this one feature. Rival investing platforms are adding services of their own, from PhonePe Invest’s push for new customers to PowerUp Money’s AI-led wealth manager.
The change also lands as more young Indians enter the market, many of them with small balances and limited experience. A recent ClearTax report on under-25 investors found that 37% of them reported capital losses, a reminder that easy access to money works best alongside clear information on what can be withdrawn and when.
Key takeaways
- Zerodha’s instant withdrawal limit rises from ₹2 lakh to ₹5 lakh a day.
- The facility now runs from 9 AM to 6 PM every day, including weekends and market holidays.
- It stays free, with a ₹100 minimum and one request a day.
- Zerodha says it has processed nearly ₹1 lakh crore in instant payouts since 2024.
