Why Might I Need to Deposit Extra Funds on Rebalance Day?

If you have landed here because you saw a message about needing extra funds, your account is fine. This is a normal, expected part of how Model Portfolio rebalancing works, not an error with your account or your plan. This applies to Model Portfolio rebalancing only, it does not apply to Bespoke strategies, which do not run on a rebalance cycle.

• When you sell a stock to help fund a rebalance buy, the proceeds are not always available in your account the same day, this is normal and applies to every investor, not just you.
• The default settlement cycle in India is T+1. Funds from a sale are credited by the end of the next trading day, not immediately.
• SEBI also allows an optional T+0 (same day) settlement, but it runs alongside T+1, not in place of it. It is being phased in for the top 500 stocks by market cap, and even for eligible stocks, using it depends on your broker offering it and you opting in. Most trades, and most brokers, are still on T+1 today.
• So on rebalance day, only your existing balance counts as available funds unless the specific sale you are relying on settled under T+0.

Before any order is placed, the platform checks how much of your recommended portfolio it can actually buy with your currently available funds. If that falls short of the full plan, it tells you exactly how much more is needed, and lets you decide what to do next. Nothing fails silently, and no order goes through without your say.

On the App

• Go through the Rebalance Portfolio flow. At Step 3, if your available funds do not cover the full recommended portfolio, you will see a banner that reads:

"Stocks Skipped Due to Low Balance"

• This is just the app being upfront with you, not a warning that something is broken.

On the Web

• Open the Rebalance Portfolio flow for that model. At the Review and Execute step, if your available funds do not cover the full recommended portfolio, you will see a banner that reads:

"Partial Allocation"

• How much more you would need to fund the complete plan.
• How much you can act on right now with your current available funds.
• A breakdown of where your available funds are coming from.
• You are in control here. You can add funds with your broker and recalculate to reach the full recommended allocation, change the desired investment amount under Modify Investment, or place the order as is with a partial allocation using what is currently available. Any of these is a valid choice.
• The checklist alongside this screen also confirms your broker connection and sell authorization (DDPI/TPIN) are already in place, one less thing for you to worry about.

• Before any rebalance, the app and web platform both check your broker connection and sell authorization (DDPI/TPIN) automatically.
• Settlement rules are set by SEBI and can change. Check with your broker for the current settlement cycle on the specific stock you are trading.
• This is a market infrastructure detail, not something Markup controls, and not something you did.

Email us at markup.support@markupclub.zohodesk.in and we will help you sort it out.