Zerodha cannot arbitrarily "take" your money, as it is a regulated broker, but they will deduct funds for trading charges, taxes, penalties on negative balances, or mandatory quarterly settlements. You retain full control to withdraw your available balance anytime to your linked bank account.
Yes, Your shares bought through Zerodha are a safe investment. Zerodha is a reliable stockbroker in India. Zerodha is a real and reliable stockbroker. They are among the low-risk retailers for the following reasons: Zerodha is not in debt Unlike other major retailers, Zerodha only offers marketing services.
How to withdraw money from the Zerodha account?
Stockbrokers are required to transfer unused funds back to the client's bank account as per SEBI regulations. Learn more. Note: Funds added back to the trading account before 2nd January and remaining unused will be settled back to the bank account as per the regulatory requirement.
Charges: Your account balance will be negative if you do not have sufficient funds in your account and Zerodha deducts Annual Maintenance charges, DP charges and other charges from your account.
Negative balance in your Zerodha account
Zerodha charges interest at 0.05% per day (₹50 per lakh) or 18% per annum on your debit balance. GST does not apply to this interest charge.
There are no hidden charges while trading at Zerodha. You can view all trading and investment charges by visiting Zerodha charges page. You can also use Zerodha's brokerage calculator to calculate approximate charges for a particular trade.
Withdrawal limits
You can withdraw any amount subject to the availability of withdrawable balance in your trading account. For withdrawals up to ₹5 crores, you can place a request directly from Console. However, if you wish to withdraw more than ₹5 crores, please create a ticket.
However, if you are inactive for 30 calendar days, funds are transferred back to your primary bank account once a month. It will be reflected in your funds statement as follows: You can check the next quarterly settlement date by visiting console.zerodha.com/funds/overview.
Exchanges consider your account dormant and deactivate it when there is no trading activity for 24 consecutive months. You need to verify your KYC details to reactivate your account. If you do not reactivate your account within 30 days, Zerodha notifies your nominee(s).
Here's why ✅ Your shares are not held by Zerodha They're stored safely in your demat account with CDSL, in your name. Zerodha is just the bridge, not the warehouse. So if Zerodha shuts down, your shares? Still yours.
What happens if I exceed my bank's withdrawal limit? Most banks charge an excess withdrawal fee of $5-15 per transaction over the limit.
Zerodha's instant withdrawal feature allows you to withdraw money from your account to your primary bank account immediately, with no charges. You can withdraw between ₹100 and ₹2,00,000 once per day between 9:00 AM and 4:00 PM.
Zerodha Cons (Disadvantages)
Doesn't provide stock tips, research reports or recommendations. Monthly unlimited trading plans are not available. Lifetime free AMC demat account plans are not available. An additional charge of Rs 50 per executed order for MIS/BO/CO positions which are not square off by the customer.
SEBI Rules for Basic Services Demat Account (BSDA)
For investments up to ₹4 lakh, there are no AMCs. In case they exceed this threshold but stay under ₹10 lakh, a fixed AMC of ₹100 may be applicable. A charge of ₹25 may apply if you want physical account statements.
If your margin shortfall continues for more than 3 consecutive days, the exchange applies a penalty of 5% for each subsequent instance of the margin shortfall. If you have more than 5 instances of shortfall in a calendar month, the exchange applies a penalty of 5% for every further instance of the shortfall.
Like DICGC guarantees the safety of bank deposits if a bank defaults, the Investor Protection Fund guarantees the safety of your funds lying with the stockbroker (up to ₹25 lakhs).
Your withdrawal request can be rejected for these reasons: Unsettled trade funds: You cannot withdraw funds from trades that are yet to be settled. Exchanges require T+1 day to settle funds from selling equities and F&O trades before you can withdraw them.
The proceeds from the stock sale will be deposited into your brokerage account or sent to you in the form of a check. The amount of money you receive will depend on the price you sell the stock and any fees or commissions charged by the brokerage firm.
You may have a better chance of success by withdrawing cash at a bank branch in person rather than using an ATM. If you need more cash than can be withdrawn in a single 24-hour period, you may need to make several withdrawals over several days.
Transfers can be made in multiples of Rs 2 lakh, up to the chosen TPT limit, with a maximum of ₹50 lakh. Security Measures: For security reasons, transfers to newly added beneficiaries are restricted to ₹50,000 in total, whether in full or in parts, during the first 24 hours after the beneficiary is added.
Where Can I Invest 1 Crore to Get Monthly Income in India?
Zerodha has built a strong reputation as a secure, SEBI-regulated broker with solid tech, transparent practices, and no-nonsense pricing. Its platforms, like Kite and Coin, are secure and backed by thoughtful infrastructure.
NRIs and Persons of Indian Origin (PIO) must ensure their residential status is marked as Non-resident on the ITD website before opening an account. If the KYC status is Non-resident, there is no need to notarise the documents.
Account Maintenance Charge (AMC), previously known as Annual Maintenance Charge, is the fee you pay to maintain your demat account with Zerodha. Zerodha charges AMC quarterly, i.e., every 91 days from your account opening date, and deducts it directly from your Zerodha account. AMC is posted in your funds statement.