Gerchik & Co has introduced Unified Payments Interface (UPI) deposits for its clients in India, enabling traders to fund their accounts instantly in Indian rupees (INR). The rollout removes one of the biggest friction points faced by Indian retail traders: slow and costly international bank transfers.
With the new payment option, Indian users can now top up trading accounts within minutes, using familiar domestic payment apps and without paying deposit commissions. The update reflects a broader industry shift toward localised payment infrastructure as global brokers compete for growth in high-potential retail markets.
Why UPI matters in India’s retail trading market
India has emerged as one of the fastest-growing retail trading regions globally, driven by rising financial literacy, mobile-first investing, and widespread adoption of digital payments. At the centre of this ecosystem is UPI, the country’s real-time payments network, which processes billions of transactions each month.
For brokers operating internationally, integrating UPI has become a strategic necessity rather than a value-added feature. Traders increasingly expect instant funding, predictable costs, and seamless mobile experiences. By enabling UPI deposits, Gerchik & Co aligns its offering with local user behaviour while reducing operational barriers that can discourage active trading.
Investor Takeaway
How instant, fee-free UPI deposits work
According to the company, Indian clients can now fund their Gerchik & Co trading accounts via UPI with a 0% commission. Deposits are processed in INR and credited almost immediately, allowing traders to move from funding to execution without unnecessary waiting periods.
The UPI integration supports India’s most widely used payment apps, including Google Pay, PhonePe, Paytm, and BHIM. To make a deposit, users simply log in to their trading account, select UPI as the payment method, enter the desired amount, and approve the transaction using a UPI ID or QR code through their chosen app.
By avoiding international wires and third-party processors, traders eliminate hidden fees, currency conversion costs, and exposure to short-term FX fluctuations at the funding stage. For active traders, this predictability can make a meaningful difference in overall trading efficiency.
Part of a broader localisation strategy
The addition of UPI deposits highlights a wider trend among global brokers: tailoring infrastructure to regional market expectations. As competition intensifies, brokers are increasingly differentiating on operational convenience rather than product breadth alone.
For Gerchik & Co, the move complements its existing focus on transparency, risk management, and trader education. Founded by trader and educator Alexander Gerchik, the broker positions itself around disciplined trading approaches, analytics, and structured learning—elements that appeal to both developing and experienced traders.
Localised payments also signal long-term commitment. In markets like India, traders are more likely to engage with platforms that demonstrate an understanding of domestic financial habits rather than forcing users into international workflows.
Investor Takeaway
How Gerchik & Co is positioning its product offering
Beyond payments, Gerchik & Co continues to expand its market access for global traders. The broker offers exposure to equities, indices, and derivatives, supported by analytical tools and risk controls designed to encourage disciplined execution.
More recently, the company expanded its digital asset coverage by adding 42 new cryptocurrency CFDs on the MetaTrader 5 platform. This expansion reflects growing demand among retail traders for diversified exposure across both traditional and digital markets within a single trading environment.
When combined with instant UPI funding, Indian traders can now move capital quickly into global markets, whether for short-term trading opportunities or longer-term portfolio strategies.
What this means for Indian retail traders
For Indian traders, the introduction of UPI deposits removes a long-standing operational bottleneck. Faster funding means better responsiveness to market conditions, reduced idle capital, and improved trading discipline.
More broadly, the update underscores how India’s retail trading ecosystem is maturing. As brokers invest in local infrastructure, traders gain access to global markets through workflows that feel domestic, mobile-first, and frictionless.
As competition among international brokers intensifies, features like instant INR funding are likely to become baseline expectations rather than differentiators. For now, Gerchik & Co’s UPI integration positions it as a broker adapting quickly to the realities of India’s rapidly evolving trading landscape.