Can new or beginner investors benefit by availing Pay Later (MTF)?

One of the biggest pain points of a beginner in the share market is insufficient capital and by availing Pay Later (MTF), you can overcome this problem. With Pay Later (MTF), beginners can leverage their limited capital and trade big. Especially with m.Stock Pay Later (MTF), as investors get up to 80% funding it becomes easier for a beginner to start investing in more meaningful positions that can also help in maximising the return potential. So, beginners with a capital of ₹10,000 can get funding of ₹40,000, helping them place trades worth ₹50,000. Similarly, beginner investors can place trades worth ₹2,50,000 against a capital of ₹50,000. The funding percentage varies depending upon the stock.

Pay Later (MTF)

from 6.99%

1,100+ scrips | Unlimited holding period

Funding at one of
the lowest interest rates

Up to ₹25 lakh

0.0411% (14.99% p.a)

₹25 lakh to 5 crore

0.0274% (9.99% p.a)

Above ₹5 crore

0.0192% (6.99% p.a)

What is Pay Later (MTF)?

MTF is a equity delivery funding product where you can get additional capital for investing from the broker. With m.Stock, you get up to 80% funding instantly in 1,100+ stocks at one of the lowest interest rates starting from 6.99% p.a. (0.0192% per day).

Available Margin₹1.75 crore
m.Stock Pays₹5.26 crore
You can buy stocks worth₹7.02 crore
Interest rate
applicable6.99%

The Pay Later (MTF) advantage with m.Stock

Low haircut. High funding
(Up to 80%)
Unlimited holding period
₹0 cash MTF orders
using Pledge
Zero subscription fees
Instant funding to buy
Stocks & ETFs
MTF ledger for 100% transparency

Big savings on MTF interests!

Top Saver
Mr. Rajeevan
Kerala
₹62,47,016
Top Saver
Ms. Lunkad
Gujarat
₹44,74,700
Top Saver
Ms. Sharma
Delhi
₹39,02,752

Pay Later (MTF) vs Pledge Shares

Differences	Pay Later (MTF)	Pledge Shares
Purpose	Allows leveraging on available fund	Allows using existing holdings as collateral
Collateral required	None	Existing shares in the Demat account
Interest charges	Charged on the overall funding	Charged on the margin utilised
Risk of charges	Based on purchased stock performance	Higher in volatile market conditions

Avail Pay Later (MTF) with m.Stock in 3 quick steps

1
Select stock and enter quantity
2
Select Pay Later (MTF)
3
Place your BIG order

Start your investment journey

select a stock and enter the desired quantity for the MTF transaction.

FAQs

Pay Later (MTF) is a leverage product that allows you to get funding from m.Stock for up to 80% of your investment in equity. You can avail Pay Later (MTF) for over 1070+ stocks at one of the lowest interest rates starting from 6.99% p.a.