Bank Details

1.1. UPI Transfer (Recommended)

• Transfer funds instantly from your registered bank account using UPI for free.
• All UPI transfers must be initiated from the Sapphire Broking platform only.
• Digital wallet transfers or transfers directly from UPI apps are not accepted.
• Instant credit to your trading account with no additional charges.
• Maximum UPI transfer limit as per your bank's daily limit applies.

1.2. Instant Payment Gateway

• Transfer funds instantly through net banking from supported banks.
• Service charge of ₹9 + 18% GST will be applicable for payment gateway transfers.
• Immediate credit to your trading account upon successful transaction.
• Secure encrypted payment processing through verified payment partners.
• All major banks and financial institutions are supported.

1.3. IMPS/NEFT/RTGS Transfer

• Transfer funds from your registered bank account to Sapphire Broking bank account.
• IMPS transfers are credited within 10 minutes during banking hours.
• NEFT/RTGS transfers are credited within 2 hours during banking hours.
• No charges from Sapphire Broking, bank charges may apply as per your bank's policy.
• Ensure correct bank details are entered before initiating transfer.

2.1. Bank Account Details

2.2. Important Notes

• Virtual Account Numbers contain only alphabets for Equity & Commodity segments.
• Add these accounts as payees in your net banking for quick transfers.
• Ensure correct account details are entered before initiating any transfer.
• Different accounts are maintained for Equity and Commodity as per SEBI regulations.
• Use alternate account details if primary accounts face any technical issues.

3.1. Withdrawal Process

• Fund withdrawal requests can be placed through the Sapphire Broking platform.
• Funds can only be withdrawn to your registered bank account.
• Same-day withdrawal is not permitted for funds transferred on the same day.
• Withdrawal requests are processed at specific cut-off times.
• Funds are typically credited within 24 hours of processing.

3.2. Withdrawal Cut-off Timings

• Weekdays (Monday to Friday): Cut-off time is 10:00 PM for Equity & F&O
• Weekdays (Monday to Friday): Cut-off time is 11:59 PM for Commodity
• Saturday: Cut-off time is 4:30 PM for Equity & F&O, 4:00 PM for Commodity
• Sunday and Public Holidays: Processed on next working day
• Requests after cut-off time will be processed on the next working day.

3.3. Withdrawal Requirements

• Sufficient available balance required in your trading account.
• No pending obligations or dues should be outstanding.
• Bank account details must be verified and updated.
• Withdrawal amount should meet minimum threshold requirements.
• Valid KYC and documentation should be up to date.

4.1. Transfer Methods & Timings

• UPI Transfer: Instant credit, No charges, Available 24/7
• Payment Gateway: Instant credit, ₹9 + 18% GST, Net banking required
• IMPS: Within 10 minutes, No charges from our end, Bank charges may apply
• NEFT: Within 2 hours, No charges from our end, Bank charges may apply
• RTGS: Within 2 hours, No charges from our end, Bank charges may apply

5.1. SEBI Regulations

• Funds can only be transferred from your registered bank account.
• Third-party transfers are strictly prohibited as per SEBI regulations.
• Equity and Commodity account balances are maintained separately.
• Different bank accounts are used for Equity and Commodity segments.
• Regular reconciliation is performed to ensure fund safety.

5.2. Security Measures

• All fund transfers are monitored for suspicious activities.
• Two-factor authentication required for withdrawal requests.
• Email and SMS notifications sent for all fund transactions.
• Real-time balance updates reflected in your account.
• Regular audit trails maintained for all financial transactions.

5.3. Transfer Restrictions

• Cash deposits are not accepted at any of our bank accounts.
• Demand Draft (DD) deposits are not permitted.
• Transfers from NRI accounts require special documentation.
• Joint account transfers require all account holders' verification.
• Corporate account transfers need additional compliance checks.

6.1. Delayed Deposits

• Check if transfer was made from your registered bank account.
• Verify correct bank account details were used for transfer.
• Ensure transfer amount meets minimum threshold requirements.
• Contact your bank to confirm successful debit from your account.
• Allow additional time during bank holidays or technical maintenance.

6.2. Failed Withdrawals

• Verify sufficient available balance in your trading account.
• Check if withdrawal request was placed within cut-off timings.
• Ensure registered bank account details are correct and updated.
• Confirm no pending obligations or margin requirements.
• Contact support if withdrawal is delayed beyond specified timeline.

6.3. Contact Support

• Create a support ticket through the Sapphire Broking platform.
• Call our customer support during business hours.
• Email our fund transfer support team with transaction details.
• Visit the nearest Sapphire Broking branch for in-person assistance.
• Use live chat feature available on our website and mobile app.