India Markets

UPI Block Trading: Buy Stocks Without Parking Cash With a Broker

UPI block lets you trade equities with funds blocked in your bank, not transferred to the broker upfront
Money is debited only when a buy order is executed and the trade settles
Blocked cash keeps earning savings-account interest until it's actually used
Qualified Stock Brokers must offer this or a 3-in-1 account since 1 February 2025 — but it's optional for you
Biggest gain is safety: a broker can't misuse money that never left your bank

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