Lotus365 Deposit and Withdrawal (2026)
The minimums, the timings and the charges as we measured them on our own test account, not as an agent advertises them. Plus the deposit steps with screenshots and the reasons a deposit sits on pending.
The tableEach row is one real transaction on our account, with the time it took.
| Method | Minimum | Maximum per request | Time we measured | Charges |
|---|---|---|---|---|
| ₹UPI deposit | ₹500 | ₹1,00,000 | Instant to 10 minutes by day, 25 minutes during an evening match | None |
| BBank transfer deposit (IMPS) | ₹1,000 | ₹2,00,000 | 10 to 30 minutes | None from the panel; your bank may charge for IMPS |
| ₹UPI withdrawal | ₹1,000 | ₹1,00,000 | 30 minutes to 2 hours | None |
| BBank withdrawal | ₹1,000 | ₹2,00,000 | 2 to 24 hours | None from the panel; receiving bank may charge |
Minimums and maximums are set per agent, so the numbers inside your own panel override this table. Timings are what we saw; the timing section breaks them down by hour.
Deposit by UPI, step by step
Screenshot slot: deposit screen- Log in and tap the balance in the top bar, then Deposit. In the app the same button sits in the bottom bar under Account.
- Enter the amount or tap a chip. The panel rejects anything under the minimum with a red line under the box, not a pop-up, so look for it.
- Choose UPI. The panel shows a UPI ID or a QR code. These change often; always use the one on screen right now, never one saved from last week.
- Pay from your UPI app to that ID or by scanning the code. Put nothing in the remarks field. Copy the 12-digit UTR or reference number from the success screen.
- Paste the reference number into the panel and submit. Without it the agent cannot match your payment to your ID, and that is the single biggest cause of a "pending" deposit.
- Wait for the balance to change. Under 10 minutes by day. Do not pay twice if it is slow; send the reference number to the agent on WhatsApp instead.
Bank transfer instead
Choose Bank transfer in step 3. The panel shows an account number, IFSC and name. Pay by IMPS from your banking app, then paste the IMPS reference number in the panel. It is slower than UPI and the account details change more often, so re-read them every time.
A UPI ID or account number sent to you in a chat, before you have logged in, is how most deposit scams work. The real details are behind your login, in the Deposit screen, and nowhere else.
How long it took, by time of dayTen deposits and six withdrawals across one week, 28 October to 4 November 2026.
| When | UPI deposit credited in | UPI withdrawal paid in | What was going on |
|---|---|---|---|
| Weekday morning, 10:00 to 13:00 | 2 to 6 minutes | 35 to 50 minutes | Quietest window. Best time to withdraw. |
| Weekday afternoon, 14:00 to 18:00 | 4 to 9 minutes | 40 minutes to 1 hour 10 | Normal. |
| Evening with a live match, 19:00 to 23:00 | 8 to 25 minutes | 1 to 2 hours | Agent is busy with every other ID. Deposit before the toss, not at the first wicket. |
| After midnight | Up to 40 minutes | Paid next morning | Agent is a person and sleeps. |
| Sunday afternoon | 5 to 12 minutes | 1 to 3 hours | Bank IMPS delays add to agent time. |
These are one account's numbers over one week. They tell you the shape of the day, not a guarantee. If yours are much worse, tell us and we will re-measure.
Deposit shows pending: the five reasons
| Reason | How to tell | Fix |
|---|---|---|
| Reference number not submitted | You paid but never pasted the UTR in the panel | Open Deposit, find the pending entry, add the reference number. Or send it to the agent. |
| Paid to an old UPI ID | The ID you paid does not match the one on screen now | Send the agent the payment screenshot and reference. It is usually recoverable within a day, but not always. |
| Amount mismatch | You entered ₹1,000 in the panel but paid ₹999 or ₹1,001 | Tell the agent the exact amount paid. They correct the entry manually. |
| Bank-side delay | Your UPI app shows "pending" too | Nothing to do on the panel. Wait for your bank; most clear within 2 hours, some the next morning. |
| Agent asleep or in a match rush | Late night, or a big game is on | Wait. If more than 2 hours by day or until 10:00 at night, message with the reference number. |
Three rules that keep your money yours
One UPI handle for this only
Create a separate UPI ID in your bank app and use it for deposits and withdrawals. The agent sees that handle and nothing else.
Same name in and out
Withdrawals go only to an account in the same name as the deposits came from. Pay from a friend's phone and the withdrawal will be refused.
Deposit once, before the toss
One deposit per session, made calmly. Topping up mid-match is both slow and the moment people overspend. The responsible gaming page has the rest.
Deposit and withdrawal questions
What is the minimum deposit on Lotus365?
₹500 by UPI and ₹1,000 by bank transfer on our test account on 4 November 2026. Agents set their own minimums, so the figure inside your panel is the one that applies.
How long does a deposit take?
UPI deposits were credited in under 10 minutes by day and up to 25 minutes during an evening match. Bank transfers took 10 to 30 minutes.
Are there any charges?
None from the panel or the agent in our tests. Your bank may charge for IMPS. Any agent asking for a processing fee is not following the normal process.
Can I deposit with a credit card or Paytm wallet?
Our panel offered UPI and bank transfer only. Wallet-to-UPI works if your wallet issues a UPI handle, but keep the name the same as your withdrawal account.
Is there a deposit bonus?
Some agents offer one. Read the turnover condition first: a bonus you must wager ten times is not a bonus. We do not list bonuses because they change weekly and are set per agent.
How do I withdraw?
Balance, Withdraw, amount, choose UPI or bank, submit. The agent pays it out. The full process, the rejections and their fixes are on the withdrawal page.
Why is the maximum lower than the table says?
Maximums are set per agent and can change by the day. The table shows what our agent allowed on the date shown.