Why our withdrawals settle in 5 minutes (and what can slow them down)

Once you tap "Withdraw" in the app, the request goes to our wallet-service. If your KYC is verified and the amount is within your daily limit, we forward an IMPS / RTGS / NEFT instruction to our payout partner (Razorpay or Cashfree). Most settlements hit your bank within 5 minutes. Things that can slow this down: - **KYC pending** — withdrawals are blocked until PAN + Aadhaar are verified. - **Bank holiday or weekend off-hours** — RTGS observes RBI clearing windows. - **First-time bank account** — we run an additional name-match check on the first withdrawal to a new account. - **High-value withdrawals** — anything over ₹50,000 may pass through manual review for fraud.