What are m.Stock's MTF charges?

Yes, you can use the shares you already own to get more buying power for Pay Later. You do this by pledging your shares with your broker like m.Stock. The broker then gives you a trading limit collateral margin after deducting a safety cut from the share price. It helps you buy more shares without investing additional money. You remain the owner of your shares and continue to get dividends. However, you should remember that the extra amount you use is borrowed money, so you pay interest on it as long as you use it.

MTF activation is done through a simple online consent process from your trading account. You can look for options like MTF, Margin Trading, or Pay Later (for m.Stock) to enable MTF. You need to review and accept the margin trading terms shown on the platform.

Once approved, activation usually takes 1–2 working days, and you can then view MTF stocks list and funding limits. After activation, you can choose MTF when placing eligible trades. However, it’s important to check the interest rates and holding conditions beforehand to manage funding costs wisely.

MTF and delivery trading are meant for different needs. In delivery trading, you buy shares using only your own money, so there is no interest involved and no risk of margin calls on that position. With MTF, you can buy delivery shares by using borrowed funds, which lets you take a larger position without paying the full amount upfront, but adds interest cost and the risk of losses getting amplified if prices move against you.

MTF suits traders who want more flexibility with their capital and are comfortable handling leveraged risk. On the other hand, delivery trading is a good option for those who prefer holding shares without any extra cost. The right choice for you depends on how much risk you are comfortable with and how much capital you have. Platforms like m.Stock offers both options in the same account, so users can choose what fits their plan.

m.Stock offers Margin Trading Facility starting from 6.99% per annum. The interest varies by slab and can go up to 14.99% p.a. This rate applies to over 1000 approved stocks with up to 80% funding. There is no fixed time limit for holding MTF positions. You can use pledged shares or fresh capital to fund MTF trades. The platform includes an MTF Calculator to check exact costs and daily interest impact. All pledges are transparent and compliant with the existing SEBI standards. Moreover, there are zero repledging risks or misuse. Once your account is active, MTF becomes available across delivery-based trades. That is why many choose m.Stock for long-term margin positions.

MTF can be blocked in your account for a few common reasons. It can happen if you have not completed the KYC or risk disclosure steps. Your account may also be blocked due to reasons like insufficient margin, a shortfall after market movement, or unpaid interest or charges. 

MTF may also happen if a stock is removed from the eligible list or if SEBI rules change. In some cases, the broker may pause MTF due to system checks or unusual activity. You can usually see the reason inside your account or by contacting customer support.

Margin required is similar to the down payment you pay when you opt for any kind of loan. In case of MTF, margin required is the minimum amount you must maintain in your trading account to take a position. With m.Stock, you only need to maintain 20% margin since you get up to 80% funding on the total trade value. You should always maintain the required margin to avoid your position being squared off automatically.

The interest rate levied on m.Stock's eMargin facility depends on the funding value. m.Stock charges 9.99% p.a. interest on a funding value up to ₹5 Crore. If the funding value crosses ₹5 crore, interest drops to 6.99% p.a., which is one of the lowest in the industry.

With m.Stock's MTF (eMargin) you can keep your position open as long as you want. There is no limit on the holding period. However, you will have to maintain the required margin throughout the trading tenure.

The interest charges on MTF are levied on a daily basis and will become applicable from the day you avail eMargin facility.

m.Stock charges pledge fee of ₹25 per pledge request under the lifetime free AMC plan and ₹32 per pledge request under the quarterly AMC plan.

Currently, you can use MTF for the equity segment (cash market) only.

No, MTF is not applicable for intraday trading. It is available for delivery trades only. However, you are allowed to sell your shares on the same day.

If you don't maintain the required margin in your trading account, the shares you purchase will be automatically squared off. The broker will settle the balance amount after deducting the applicable interest charges.