How to Transfer the Funds from Bank A/c to Trading A/c?
You can transfer funds through the following ways:
Method 1: Net Banking
If you wish to transfer funds from your bank A/c to your 5paisa trading A/c, you need to have a net banking facility activated. We have a payment gateway available for a list of 45 banks (Please refer to the below list of banks).
How to do it?
Login to our 5paisa Mobile App >> User >> Add Funds >> Enter amount >> Click on Net banking >> It will redirect to your bank website. Login to your net banking account with your bank credentials, Complete the transaction by authorizing the same and the amount will be credited to your trading A/c.
Charges: If you transfer funds through our Payment Gateway, the following transaction charges are applicable:
Fund Updation Time:
Usually, net banking transactions are updated in real-time upon transaction status confirmation from your bank. But in the following scenarios, you might face a delay in fund updation in your 5paisa trading account
Scenario 1: Your transaction was successful, and the amount is also debited from your bank account but 5paisa is showing the transaction status as "failure".
Reason for such scenario occurrence: Your bank has given the status of your transaction as failure to 5paisa due to an issue at the bank's server end.
What happens to such transaction: Your bank will reconcile all such transactions on the next working day and will share the updated status of the transaction as success to 5paisa or refunds back to your account.
Time for fund updation: In such a scenario it takes about 24-48 hours for fund updation in your trading account (totally depends on your bank's reconciliation process)
Scenario 2: Your transaction was successful but funds are not updated in your trading account
Reason for such a scenario occurrence: Your bank has delayed confirming your transaction and 5paisa has got your transaction status as pending from your bank
What happens to such transactions: Such transactions are usually confirmed by your bank in 30-45 mins post active reconciliation
Time for fund updation: In such a scenario it takes about 30-45mins for fund updation in your trading account.
In all other unusual scenarios, it takes about 15-30 mins for funds updation.
Note:-
If you do not have bank A/c from the above-registered list of 44 banks, you can transfer your funds by the below methods:
Method 2: UPI Transfer
Transfer your funds through the most used method of payment- UPI with instant credit.
To transfer funds through UPI, follow the below steps:
Login to 5paisa Mobile App >> Click on User >> Click on Add funds >> Enter amount >> Select the bank account you want to pay with >> Click on UPI App you want to pay with (Click on more to browse all UPI supported apps in your phone)>> Complete your transaction. (Refer to the below screenshot)
In case, you don't have the UPI ID mapped into the same mobile then follow the below-mentioned steps:
Login to 5paisa Mobile App >> Click on User >> Click on Add funds >> Enter amount >> Select the bank account you want to pay with >> Click on UPI ID >> Enter UPI ID you want to pay with >> Click on Pay >> On the UPI app, you will receive a collect request from 5paisa >> Enter UPI PIN to complete the transaction
Notes:
1. UPI transfers have a limit of ₹2,00,000/- per day. Your bank may have further restrictions on the amount allowed per transaction that you will have to check with your bank
2. In the case of UPI collection the request will expire in 10 minutes, hence ensure to approve the transaction from your UPI app within 10 mins post which it will be marked as expired
3. Ensure that the UPI ID (VPA) you are paying with is mapped to the bank account registered with 5paisa. Any funds transferred with an unregistered bank account will be refunded back to the source account within 3-5 days
4. Push to VPA is disallowed which means that only those transactions which are initiated from 5paisa will be accepted. You should not send money directly to 5paisa's UPI ID as the same is not allowed.
Fund Updation Time:
The funds will be updated instantly in your trading account, but they might get delayed in the below-mentioned scenarios-
Scenario 1: You have made the fund transfer from the bank account which is not registered with 5paisa
What will happen to your money: Money, if debited then it will be refunded back to your account instantly (most of the time) or within 24 hours.
Scenario 2: Your payment is successful, and money is debited but 5paisa is showing the transaction as failed
Reason for such scenario occurrence: Your bank has not given the debit transaction confirmation to NPCI; hence, 5paisa also has not received the "Success" status for your transaction. So, it will initially be marked as pending at 5paisa until it's confirmed from your bank's end.
What happens to such a transaction: This transaction will be actively reconciled at your bank's end and the remitting bank will re-share the final transaction status to NPCI. Also, the same will be communicated to 5paisa. These transactions are reconfirmed usually within 15-30mins.
In case the transaction is marked as failed then the bank refunds the amount back into your account within 24-48 hours.
Time for fund updation: It takes about 15-30 mins for transaction confirmation in such a scenario. On confirmation of the "Success" status, we update it Instantly in your trading account
Scenario 3: Your payment has failed, money is debited, and showing failed at 5paisa as well
What will happen to your money: Your money will be credited back to your account within 24-48 hours
You can also check with your bank for knowing the exact time for the refund of money into your bank account
| Sr. No. | Bank Name |
| 1 | A. P Mahesh Bank |
| 2 | Abhyudaya Co-op Bank |
| 3 | Adarsh Cooperative Bank Ltd |
| 4 | Ahmedabad Mercanatile Co-op Bank |
| 5 | Airtel Payments Bank |
| 6 | Allahabad Bank |
| 7 | Andhra Bank |
| 8 | Andhra Pragathi Grameena Bank |
| 9 | Andhra Pragathi Grameena Vikas Bank |
| 10 | Apna Sahakari Bank |
| 11 | Assam Gramin VIkash Bank |
| 12 | Associate Co-operative Bank Limited,Surat |
| 13 | AU Small Finance Bank |
| 14 | Axis Bank |
| 15 | Banaskantha Mercantile Co-operative Bank Limited |
| 16 | Bandhan Bank |
| 17 | Bank of America |
| 18 | Bank Of Baroda |
| 19 | Bank Of India |
| 20 | Bank of Maharashtra |
| 21 | Baroda Central Co-operative Bank |
| 22 | Baroda Gujarat Gramin Bank |
| 23 | Baroda Rajasthan Khetriya Gramin Bank |
| 24 | Baroda Uttar Pradesh Gramin Bank |
| 25 | Bassein Catholic Coop Bank |
| 26 | Bhagini Nivedita Sahakari Bank Ltd,Pune |
| 27 | Bharat Co-operative Bank |
| 28 | Bhilwara Urban Co-operative Bank Ltd |
| 29 | Canara Bank |
| 30 | Capital Small Finance Bank |
| 31 | Catholic Syrian Bank |
| 32 | Central Bank of india |
| 33 | Chaitanya Godavari Grameena Bank |
| 34 | Chartered Sahakari Bank Niyamitha |
| 35 | Chhattisgarh Rajya Gramin Bank |
| 36 | Citibank Retail |
| 37 | Citizen Co-operative Bank Ltd - Noida |
| 38 | Citizens Co-operative Bank Ltd. |
| 39 | City Union Bank |
| 40 | Costal Local Area Bank Ltd |
| 41 | Dakshin Bihar Gramin Bank |
| 42 | DBS Digi Bank |
| 43 | DCB Bank |
| 44 | Dena Bank |
| 45 | Dena Gujarat Gramin Bank |
| 46 | Deutsche Bank AG |
| 47 | Dhanalaxmi bank |
| 48 | Dombivli Nagrik Sahakari Bank |
| 49 | Equitas Small Finance Bank |
| 50 | ESAF Small Finance Bank |
| 51 | Federal Bank |
| 52 | Fincare Small Finance Bank |
| 53 | Fingrowth Co-operative Bank Ltd |
| 54 | FINO Payments Bank |
| 55 | Gopinath Patil Parsik Janata Sahakari Bank |
| 56 | HDFC |
| 57 | Himachal Pradesh Gramin Bank |
| 58 | HSBC |
| 59 | Hutatma Sahakari Bank Ltd |
| 60 | ICICI Bank |
| 61 | IDBI Bank |
| 62 | IDFC |
| 63 | India Post Payment Bank |
| 64 | Indian Bank |
| 65 | Indian Overseas Bank |
| 66 | Indore Paraspar Sahakari Bank Ltd |
| 67 | IndusInd Bank |
| 68 | Irinjalakuda Town Co-Operative Bank Ltd |
| 69 | J & K Grameen Bank |
| 70 | Jalgaona Janata Sahkari Bank |
| 71 | Jalna Merchant's Co-operative Bank Ltd. |
| 72 | Jammu & Kashmir Bank |
| 73 | Jana Small Finance Bank |
| 74 | Janakalyan Sahakari Bank |
| 75 | Janaseva Sahakari Bank Ltd Pune |
| 76 | Janaseva Sahakari Bank (Borivli) LTD |
| 77 | Janta Sahakari Bank Pune |
| 78 | Jio Payments Bank |
| 79 | Jivan Commercial co-operative Bank Ltd. |
| 80 | Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. |
| 81 | Kalupur Commercial Co-operative Bank |
| 82 | Karnataka Bank |
| 83 | Karnataka vikas Gramin Bank |
| 84 | Karur Vysaya Bank |
| 85 | Kashi Gomti Samyut Gramin Bank |
| 86 | Kerala Gramin Bank |
| 87 | Konkan Merchantile Co-Operative Bank Ltd |
| 88 | Kolhapur District Central Co-operative Bank Limited |
| 89 | Kotak Mahindra Bank |
| 90 | Krishna Bhima Samruddhi Local Area Bank |
| 91 | Maharashtra Grameen Bank |
| 92 | Maharashtra state co opp Bank |
| 93 | Malad Sahakari Bank |
| 94 | Malviya Urban Co-operative Bank Limited |
| 95 | Manipur Rural Bank |
| 96 | Manvi Pattana Souharda Sahakari Bank |
| 97 | Maratha Cooprative Bank Ltd |
| 98 | Meghalaya Rural Bank |
| 99 | Mizoram Rural Bank |
| 100 | Model Co-operative Bank Limited |
| 101 | Nagarik Sahakari Bank Maryadit, Vidisha |
| 102 | Nanital Bank Ltd |
| 103 | NKGSB |
| 104 | North East Small Finance Bank |
| 105 | NSDL Payments Bank |
| 106 | Nutan Nagrik Sahakari Bank |
| 107 | Pali Urban Co-operative Bank Ltd. |
| 108 | Paschim Banga Gramin Bank |
| 109 | Patan Nagrik Sahakari Bank Ltd |
| 110 | Paytm Payments Bank |
| 111 | Pragathi Krishna Gramin Bank |
| 112 | Prathama Bank |
| 113 | Prime Co-operative Bank Ltd. |
| 114 | Priyadarshini Nagari Sahakari Bank Ltd. |
| 115 | Pune Cantonment Sahakari Bank Ltd |
| 116 | Punjab and Maharastra Co. bank |
| 117 | Punjab and Sind Bank |
| 118 | Punjab Gramin Bank |
| 119 | Punjab National Bank |
| 120 | Rajasthan Marudhara Gramin Bank |
| 121 | Rajkot Nagari Sahakari Bank Ltd |
| 122 | Rani Channamma Mahila Sahakari Bank Belagavi |
| 123 | Samarth Sahakari Bank Limited |
| 124 | Samruddhi Co-op bank ltd |
| 125 | Sandue Pattana Souharda Sahakari Bank |
| 126 | Sarva Haryana Gramin Bank |
| 127 | Sarva UP Gramin Bank |
| 128 | Sarvodaya Commercial Co-operative Bank |
| 129 | Saurashtra Gramin Bank |
| 130 | SBM BANK (INDIA) LIMITED |
| 131 | Shivalik Mercantile Co-op. Bank Ltd. |
| 132 | Shree Dharati Co-operative Bank Ltd. |
| 133 | Shree Kadi Nagarik Sahakari Bank Ltd |
| 134 | Shri Arihant Co-operative Bank Ltd. |
| 135 | Shri Basaveshwar Sahakari Bank Niyamit, Bagalkot |
| 136 | Shri Chhatrapathi Rajarsshi Shahu Bank |
| 137 | Shri Mahila Sewa Sahakari Bank Limited |
| 138 | Shri Rajkot District Co-operative Bank Ltd |
| 139 | Shri Veershaiv Co-op Bank Ltd. |
| 140 | Sindhudurg Co-operative Bank |
| 141 | Smriti Nagrik Sahakari Bank Maryadit, Mandsaur |
| 142 | South Indian Bank |
| 143 | Sri Vasavamba Cooperative Bank Ltd |
| 144 | Standard Chartered |
| 145 | State Bank Of India |
| 146 | Sterling Urban Co-operative Bank Ltd |
| 147 | Suco Souharda Sahakari bank |
| 148 | Surat People Cooperative Bank |
| 149 | Suryoday Small Finance Bank Ltd |
| 150 | Sutex Co operative Bank |
| 151 | Suvarnayug Sahakari Bank Ltd |
| 152 | SVC Co-operative Bank |
| 153 | Syndicate Bank |
| 154 | Tamilnad Mercantile Bank |
| 155 | Telangana Gramin Bank |
Method 3: IMPS/NEFT/RTGS
To transfer funds from your Bank A/c into your Trading A/c, refer to the following steps. You can transfer funds 24*7 with instant Credit and NO DOCUMENTATION.
To fetch your Unique Account Number: Click Here
- Log in to the 5paisa platform
- Go to Add Funds Section
- Click on the ‘IMPS’ Tab
Note:
- This account is unique to your client code, so please don't share it with others.
- Funds should be transferred from your registered bank account mapped with 5paisa.
- Any amount transferred from an unregistered bank account will be refunded back to the source account within 3-7 days.
- The maximum limit for fund transfer via Smart Collect is Rs.30 Cr. per transaction
How to add 5paisa as a beneficiary in your bank a/c:
Step 1: Log in with your credentials on your bank website or app
Step 2: Click on Funds Transfer
Step 3: Click on Add Beneficiary
Step 4: Enter Beneficiary Name, Beneficiary Account No. and IFSC Code
Step 5: Select Account Type as SAVINGS, if required.
Note: If this facility is unavailable in your bank Account, please contact or transfer funds by visiting your nearest branch.
IFSC Code | Bank Name | Account Type | Branch Name | Address |
RATN0VAAPIS | RBL BANK LIMITED | SAVINGS | CORPORATE OFFICE | RBL BANK LTD 6TH FLOOR TOWER 2B ONE INDI, MUMBAI, MAHARASHTRA |
How to transfer the funds?
Step 1: Log in to your Bank Account
Step 2: Choose IMPS / NEFT / RTGS as an option for Funds Transfer
Step 3: Enter the details provided above
Step 4: Transfer funds and check the 5paisa ledger for confirmation
Note: If you have difficulty using the bank's Mobile Application features, try using the bank’s Website login.
Funds updation time:
Funds updation might take up to 15 mins based on your bank's transaction processing time. Usually, transfers via IMPS are updated quickly & transfers via NEFT / RTGS may take some time to be updated. So, it is suggested to use IMPS.
In case, if your funds payin transaction is not successfully updated in the ledger within above mentioned TAT then send us an E-mail mentioning your Client Code and Transaction Proof (along with transaction reference) and Bank Statement to support@5paisa.com
We request you to start using 'Smart Collect' as a preferred mode for adding funds via IMPS/NEFT/RTGS as we have discontinued the ICICI Bank E-collection Account (FPAISA) effective from 10th Oct 2022 & YES Bank E-collection Account (5PAISA) effective from 30th Jun 2023.
Funds transferred to any of these two E-collect Accounts, shall be auto-refunded within 3-5 working days.
For any further clarification, you can submit your query HERE
To know about your payment update, refer to the below path:
Mobile Platform: Login >> Menu >> Trade >> Funds >> Click on Margin
Website Platform: Login >> Click on the amount besides Mutual Funds >> Margin
To know more about the Funds transfer process, please refer to the following link, https://www.youtube.com/watch?v=xsoQZtu2EKk&t=1s
* NOTE: Please ensure that no funds are transferred to any personal accounts of any entities. For transferring funds to 5paisa Capital Limited, kindly log in to your account through the web portal or mobile app or transfer funds to the bank accounts held in the company's name, which are specifically provided on the company's website. 5Paisa shall not be liable for any transfer of funds other than the funds received through the modes prescribed herein.
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