Decoding the Broker Settlement Cycle – Now or Later!2 min read

April 28, 2023
broker's settlement cycle simplified paytm money blog


Decoding the Broker Settlement Cycle – Now or Later!2 min read

“Your funds have been added to your trading account.”

The simple joys in life, be it a hot drink on a cold morning, the smell when it rains, or the successful addition of funds to your trading account, bring a smile to your face every time.

But after adding funds, have you ever wondered why you are often not allowed to withdraw funds at the same time? This is due to the broker’s settlement cycle.

1. Types of Settlement Process

When you add funds to your trading account, the funds get debited immediately from your bank account, but they do not reach the broker immediately. Each broker has a payment gateway/ partner, and there are 2 settlement cycles, at which payment gateways/ partners settle the money added by you with the brokers:

2. Want to check your T+1 settlement amount in Paytm Money?

You can check the total amount in your trading account in the account section under ‘Available for investing’. This will include the real time & T+1 settlement amount.

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But, if you go to the withdrawal page, you will see the unsettled amount & the amount available for withdrawal. The unsettled amount consists of your T+1 settlement amount in addition to other such amounts.

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3. Looking for a quick settlement process?

At Paytm Money, you will typically see real time settlement in the case of UPI, next to real time in case of NEFT/ IMPS/ RTGS (using bank transfers), but T+1 with Net Banking. However, we also support some banks for real time settlement incase of net-banking. Here’s the list of these banks:

  • ICICI Bank
  • Kotak Mahindra Bank
  • Axis Bank
  • Yes Bank
  • IndusInd Bank
  • HDFC Bank

In the case of T+1 settlement, your funds will be uncleared/ unsettled at the Paytm Money end, and hence, will be unavailable for withdrawal, the purchase of SGB bonds, and more.

Hence, next time when you see that you are unable to withdraw the funds that you added, don’t worry; your money is safe with us. There is a good chance that you may have transferred funds as part of the T+1 settlement cycle. If you are still unsure, please reach out to our executives at

Disclaimer- Investments in the securities market are subject to market risks, read all the related documents carefully before investing. This content is purely for information purpose only and in no way to be considered as an advice or recommendation. Paytm Money Ltd SEBI Reg No. Broking – INZ000240532. NSE (90165), BSE(6707) Regd Office: 136, 1st Floor, Devika Tower, Nehru Place, Delhi – 110019. For complete Terms & Conditions and Disclaimers visit:

Author Name: Niharika Jain