What is the withdrawable balance?

What is the withdrawable balance?

The Withdrawable Balance is the final amount available in your account that you can withdraw. This balance is calculated after deducting various blocked funds from your Ledger Balance. Here's a detailed breakdown to help you understand how this balance is determined:

Components Deducted from Ledger Balance:

  1. Today's Payin:
    • Funds added to your account today cannot be withdrawn on the same day.
  2. Today's Payout:
    • Funds withdrawn today are deducted from the available balance.
  3. Adhoc Margin:
    • Any margin amount updated in Adhoc is subtracted.
  4. Booked Losses:
    • Losses that are realised and booked for the day are deducted.
  5. Unbooked Losses:
    • Losses that are not yet realised but are anticipated for the day are also deducted.
  6. Pending Orders:
    • Margin blocked for orders that are still pending execution.
  7. Turnover Charges:
    • Charges incurred based on the turnover in any trading segment.
  8. Accrued Charges:
    • Charges that are going to be levied at the time of billing, if any.
  9. Unsettled Credits:
    • Funds from same-day equity sales or derivative credits that have not yet settled. Additional credits may be included in case of settlement holidays.
  10. Margin Utilised:
    • Margin utilized for orders placed or the peak margin requirement for the day, whichever is higher.

Components Added to Ledger Balance:

  1. Collateral Benefit:
    • Margin blocked for open positions or carry-forwarded positions compared with the collateral value after haircut (MF+Liquid+Equity). The lower of these two values is added as a collateral benefit.

Calculation Formula:

Withdrawable Balance=Ledger Balance−(Today’s Payin+Today’s Payout+Adhoc Margin+Booked Losses+Unbooked Losses+Pending Orders+Turnover Charges+Accrued Charges+Unsettled Credits+Margin Utilised)+Collateral Benefit

Example Scenario:

  • Ledger Balance: ₹100,000
  • Today's Payin: ₹10,000
  • Today's Payout: ₹5,000
  • Adhoc Margin: ₹2,000
  • Booked Losses: ₹1,000
  • Unbooked Losses: ₹500
  • Pending Orders: ₹8,000
  • Turnover Charges: ₹200
  • Accrued Charges: ₹300
  • Unsettled Credits: ₹4,000
  • Margin Utilised: ₹7,000
  • Collateral Benefit: ₹3,000

Withdrawable Balance = ₹100,000 - (₹10,000 + ₹5,000 + ₹2,000 + ₹1,000 + ₹500 + ₹8,000 + ₹200 + ₹300 + ₹4,000 + ₹7,000) + ₹3,000

Withdrawable Balance = ₹100,000 - ₹38,000 + ₹3,000

Withdrawable Balance=₹65,000


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