How to add money to Zerodha using UPI?

Short Answer

Adding money to Zerodha using UPI is the most commonly used method and is the most popular among the other methods. It is totally free and can be done with the help of any UPI application like Google Pay or BHIM UPI. This process can be done seamlessly with the help of Zerodha's web application as well as the mobile application- "KITE".

Detailed Answer


Zerodha is India’s largest Discount Stockbroker with 2.6 million active clients, which is the highest in the Indian Stock Broking industry.

Adding funds in Zerodha is very easy and there are quite a few available to add funds such as- UPI, Net Banking, and some other methods such as IMPS/NEFT/RTGS.

Now coming to the most popular and commonly used method in Zerodha to add money which is UPI.

Zerodha has 2 main platforms (other "COIN" which is used to buy Mutual Funds) -

  1. Zerodha’s Web application
  1. Zerodha’s Mobile application “KITE

1. let's see how to add funds using UPI in the Web browser-

  • Login in to your Zerodha account using your credentials as well as PIN.
  • Click on “Funds” located on the top right corner in-between “Positions” and “Apps
  • Once clicked on Funds, the bottom window will change and a Green rectangular button saying “Add Funds” will be visible beside “Withdraw”

After clicking on Add Funds a small pop-up window will appear with your Name & Client ID on the left side. And on the right-hand side, there will be Some columns saying-Enter amount, segment, Bank account, Virtual payment address & Payment mode. As shown in the image below

Inkedzerodha payment page_LI (1)resized...jpg

  • Enter the amount you want to add in The “How Much?” column. Check the segment selected, if you want to add funds into the Equity segment then make sure that the Segment is selected to Equity/Derivatives. Check the bank account that you want to transfer money from. If you have multiple Bank accounts registered then make sure to choose the one from the drop-down menu. The virtual payment address will appear that is already registered. If you want to change it then modify it or else just verify it. And finally, select the UPI option from the “Payment mode
  • After completing the above process, select on continue. You will get a notification from your UPI app (Google Pay, BHIM UPI, etc) with a payment request from Zerodha of the amount mentioned by you.
  • Enter your UPI pin and confirm.

In this way, your transaction will be processed within minutes and the added funds will be reflected in your Zerodha account after the successful processing of the transaction. Make sure to have an adequate balance in your selected Bank account before initiating this process or else the transaction will get denied.

2. To Add Funds using the Mobile application “KITE”-

  • Open the Mobile application and tap on the Lower right corner icon, having your Client ID.
  • Click on the Topmost option “Funds” with the rupee sign on the right.
  • Click on the “Add Funds” button in green.
  • Enter the amount In the Amount column. Verify The bank from which you want to make the payment. Select the payment method from the option which can be UPI or Google Pay. Select any of both to complete your transaction as shown below.


After it is done, accept the payment request in the UPI app and the process will get completed in a couple of minutes provided there are no issues with the bank server. That can delay the process by some minutes.

Hence by following the above steps, you can easily add funds into your Zerodha by any of the 2 mediums explained above. Transferring money using the UPI method is the easiest and is absolutely FREE to use.

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