Understanding the Funds and Margin Screen in Your Angel One App
Published 2026-10-16 · Aadarna Stock Broking Pvt. Ltd.
Unofficial guide. Written by Aadarna Stock Broking Pvt. Ltd., an Authorised Person of Angel One Ltd., to help account holders. App screens and menu names change with updates, so follow the steps shown in your app. For official help, visit the support section of angelone.in.
Key takeaways
- Available margin is what you can use for new trades; withdrawable balance is what you can take out.
- Used margin is blocked for open positions and pending orders.
- Collateral margin from pledged shares can be used for trading but not withdrawn.
- The ledger records every money movement; use it to reconcile your account.
The funds screen in a trading app often shows several numbers that look similar but mean different things. Misreading them can lead to rejected orders, unexpected margin calls or confusion about withdrawals. This guide explains the common terms you will see in the Angel One app.
Labels change with app updates, so check the current definitions in the Angel One app or the support section of angelone.in.
The main numbers
- Available margin or funds: what you can use right now for new trades. It includes your cash balance and, for eligible trades, collateral margin.
- Used margin: money blocked for open positions and pending orders.
- Cash balance: money you have added, adjusted for trades and charges.
- Collateral margin: margin available from pledged shares, after haircuts.
- Withdrawable balance: the cash you can take out to your bank account now.
- Unsettled amounts: proceeds from sales that have not settled yet.
Why the numbers differ
For example, say you add ₹20,000, buy shares worth ₹15,000 today, and also sell shares worth ₹10,000 today. Your available margin may reflect part of the sale proceeds for new trades, depending on exchange rules, but your withdrawable balance will not include the sale money until it settles. Margin rules for derivatives add further adjustments.
The key idea: available to trade and available to withdraw are different questions.
Margin for derivatives
If you trade futures or options, the funds screen also shows the margin required for those positions. Margin requirements change with market conditions. If your available margin falls below what your positions need, you may face a margin shortfall, which can lead to positions being closed or penalties under exchange rules. Watch this number closely if you trade F&O.
Using the ledger
The ledger is a running record of every credit and debit: funds added, withdrawals, trade settlements, charges, interest and adjustments. It is the best tool to answer the question: where did my money go?
- Open the reports or statements section and choose the ledger.
- Select a date range.
- Match each entry with your bank statement and contract notes.
- Raise any entry you do not understand with Angel One support.
Common surprises
- Order rejected despite money in the account: the money may be blocked as used margin or be unsettled.
- Negative balance: charges or losses exceeded your cash. Clear it promptly, as interest or penalties may apply.
- Money returned to bank automatically: this is likely the periodic running account settlement under SEBI rules.
Good habits
- Check the funds screen before placing large orders.
- Review the ledger monthly.
- Keep only the money you plan to use in your trading account.
Frequently asked questions
Why is my withdrawable balance lower than my available margin?
Available margin can include collateral and some unsettled proceeds usable for trading, but only settled cash can be withdrawn.
What does a negative ledger balance mean?
You owe money to the broker, usually because of charges or losses. Add funds to clear it to avoid interest or penalties.
Where can I see all charges deducted?
In your contract notes for trade-related charges and in the ledger for all debits.
Sources
Risk disclosures on derivatives
- 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
- On an average, loss makers registered net trading loss close to ₹50,000.
- Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
- Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.
Source: SEBI study dated January 25, 2023 on "Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment", wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.