For your last question: I transfer funds (on behalf of my mother who is not an NRI) from her bank to her Zerodha account via NEFT and they are available for investment immediately. The funds are transferred back to the account every quarter and in case you don’t use the funds for about 3-4 weeks, then also they get transferred back to you bank. So, I need to keep transferring it again every time since we cannot find any good investment opportunties at the moment.
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