Depositing

• Usual methods on India-facing apps: UPI, net banking, and sometimes wallets or prepaid cards. UPI dominates because it clears instantly.
• Minimum deposits are typically small (often ₹10–₹100), with preset amount buttons.
• Funds usually credit within seconds to a few minutes. A pending deposit that never lands is the most common complaint — bank-side UPI failures and mismatched UPI IDs account for most of it.
• Most apps tie the deposit to the registered account identity. Third-party or “agent” top-ups are what violate KYC and anti-money-laundering rules, and they’re the quickest route to a frozen account.

Withdrawing

• KYC is mandatory before the first withdrawal. Usually PAN plus Aadhaar or bank proof, and in many cases a selfie or video step.
• Name matching. The bank account name must match the KYC name. Mismatches and joint accounts are routinely rejected.
• Minimum threshold. Often ₹100–₹500; balances below the floor simply can’t be cashed out.
• Processing time. Typically 24 hours to 3–7 working days, sometimes stated as “instant up to X” with the rest routed through manual review. Weekends and bank holidays add delay.
• Play-through / deposit conditions. Anti-abuse rules often require deposited funds to be played once before withdrawal, and bonus credit to meet its own wagering requirement.
  Fees and deductions. Some apps levy a withdrawal fee or gateway charge; many pass the cost implicitly.