Buy Stocks Now, Pay Later With MTF
With our Margin Trading Facility, pay only 25% up front to buy stocks and we will fund the remaining 75%.
Buy 4x more shares with less money
Choose from 1500+ top stocks
Repay only when you sell
Keep 100% of your profits*
What is Margin Trading Facility (MTF)?
MTF or Margin Trading Facility is an offering approved by the exchanges for you to buy stocks by paying only a part of the total order value, while the broker funds the remaining amount and charges interest on the same. MTF (Pay Later) is INDmoney’s version of Margin Trading Facility (MTF), curated to instantly multiply your buying power by up to 4 times on 1500+ eligible top stocks.
How to Place an MTF (Pay Later) Order on INDmoney?
To place a Pay Later (MTF) order on INDmoney, simply choose an eligible stock, select the 'MTF (Pay Later)' option, and confirm your order. The process is seamless and can be completed in just a few taps within the app.
Step 1
Select the stock you want to buy
Step 2
Enable the Pay Later (MTF) checkbox
Step 3
Review and confirm your order and you're done!
Important Questions about using Pay Later (MTF) for your investments
What happens if I make a profit on stocks bought with MTF (Pay Later)?
Any profit you earn is entirely yours. We’ll only deduct the funded amount at the time of selling.
Let’s say you bought shares worth ₹40,000 using ₹10,00 (your funds) and ₹30,000 from MTF (Pay Later). If the stock goes up 10% and your holding becomes ₹44,000, ₹30,000 is auto-deducted, and ₹14,000 is credited to your wallet.
Can I sell the MTF (Pay Later) positions on the same day?
Yes, MTF positions taken today can be exited the same day also. INDmoney does not levy any interest on MTF (Pay Later) Positions that have been bought and sold on the same day.
Where can I see my detailed Pay Later (MTF) statement?
You can easily see your detailed MTF (Pay Later) statement on the INDmoney App. When you log in, head to your INDstocks wallet. Upon clicking on “MTF statement”, you will find a detailed breakdown for all your MTF positions, orders and charges. Get started here.
Can I buy/sell stocks under MTF (Pay Later) on a settlement holiday?
No, you will not be able to buy/sell stocks with MTF (Pay Later) on settlement holidays. Like general stocks, MTF stocks can also be bought ONLY on trading days.
To plan your investments, you can also check the complete list of NSE holidays here.
Can I use MTF (Pay Later) for F&O trading or derivatives?
No. MTF (Pay Later) is only available for equity investments, not for derivatives or F&O trading.
Is short selling allowed through MTF (Pay Later)?
No, Short Selling is not permissible through MTF (Pay Later). Short selling is a trading strategy via which you sell borrowed shares of a stock in the hope of buying them back later at a lower price.
What is the maximum funding INDmoney provides through MTF (Pay Later)?
Currently, you can receive up to ₹1 crore in MTF (Pay Later)funding, subject to eligibility and INDmoney’s RMS (Risk Management System) policy.
Will I continue to receive dividends on stocks bought with MTF (Pay Later)?
Yes. Since the stocks are in your name, dividends, bonuses, and corporate actions are passed on to you as per usual.