% p.a.INTEREST ON MTF
with trade free pro plan
Margin Trading Facility
(MTF) At Just 9.69%
Trade 4X on 1500+ stocks, with Trade Free Pro Plan
Pricing Without Any Asterisks
What you see is what you pay.
Brokerageon DeliveryApplicable for the first 30 days
- Brokerage ONintraday & f&o
For first 30 days, flat ₹10/order thereafter
- amc charges
for BSDA account with holding ₹4L
MTF Benefits That Go Beyond Leverage
More ways to trade smarter, not just bigger.
4X Your Buying Power
Trade with up to 4X leverage across 1,500+ stocks.
No Interest on Interest
Pay interest only on the funded amount, never on accumulated interest.
Funding Up to ₹50 Cr
Same interest rate, even with higher funding
Research-Backed MTF Ideas
Get high-conviction MTF stock ideas from our research experts
MTF Features That Cut Out the Extra Steps
Small conveniences that can make a big difference to how you trade.
How MTF Works
Buy more for less, Kotak Neo funds the rest.
Margin Trading Facility (MTF) lets you buy more stock than your available cash would normally allow. You pay a part of the trade value upfront, and the rest is funded by
Kotak Neo. The shares you buy are held as collateral until you repay the funded amount. Interest is charged only on the amount Kotak Neo funds, calculated daily as simple interest, however long you hold, at a flat 9.69% p.a. with the Trade Free Pro plan.
Returns
| Without MTF | With MTF | |
|---|---|---|
| Your capital | ₹1,00,000 | ₹1,00,000 |
| Kotak funding | Nil | ₹4,00,000 |
| Total buying power | ₹1,00,000 | ₹5,00,000 |
| Leverage | Nil | 4x |
| Shares you can buy (at ₹100/share) | 1,000 | 5,000 |
| Total Returns | ₹10,000 | ₹50,000 |
| Interest Rate | Nil | 9.69% p.a |
| Net Profit/Loss | ₹10,000 | ₹46,814.25 |
The Profit and Loss Math
₹10,000
₹46,814
- Returns without MTF
- Returns with MTF
MTF Research Calls, Ready To Trade
Curated picks from our MTF research desk, ready to leverage your trades.
Your MTF Universe 1500+ Stocks Strong
Every stock here is MTF-ready. Find it, check the leverage, and place your trade.
| Name | Leverage |
|---|---|
| 4X | |
| 4X | |
| 4X | |
| 4X | |
| 4X | |
Bharat Forge | 4X |
Blue Star | 4X |
Central Depository Services (India) | 4X |
How To Use MTF With Kotak Neo
Go From “Maybe” to “MTF” in 4 Steps
Fewer steps, faster start.
How To Use MTF With The Kotak Neo App
- Search for any stock and tap on Buy
- Click on Pay Later under Product Type and check if it is MTF-eligible
- Check your payable amount displayed just above the Add Funds tab
- Enter the quantity and place your order
You can also browse our MTF Ideas section for curated stocks available under Pay Later.
Still have questions?
Find answers to common questions like What is Margin Trading Facility (MTF)?, How is interest calculated on MTF?, Which stocks are eligible for MTF?, and How do I activate MTF?
The Full MTF Breakdown
What is Margin Trading Facility (MTF)?
Margin Trading Facility (MTF) is a SEBI-regulated facility that lets you buy stocks by paying part of the trade value upfront while your broker funds the balance. The funded amount attracts interest, and the purchased shares are held as collateral.
MTF, also known as “Pay Later” for stocks, provides higher buying power but can amplify both gains and losses.
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Frequently asked Questions
MTF (Margin Trading Facility or Pay Later) lets you buy stocks by paying only part of the trade value upfront - Kotak Neo funds the rest. You pay interest only on the funded amount, only for the days you hold the position.
Everyone with an active Kotak Neo trading is eligible for MTF. Just activate the MTF segment if you haven't and you're set - no complex eligibility to worry about.
You can avail up to ₹20 Cr instantly. Anything higher than that will be based on your eligibility. You can reach out to your relationship manager or raise a support ticket at support@kotakneo.com
There are two ways to activate MTF on Kotak Neo:
If you don't have an active Kotak Neo Trading and Demat Account, you can activate MTF while opening the account.
If you are an existing Kotak Neo user: Log in to the Kotak Neo app > Scroll to Kotak Research Picks > Go to MTF Ideas and click on View All > Select Activate Now. Your MTF segment will be activated within 5 mins.
Interest is charged only on the funded (borrowed) portion, only for the number of days you hold the position - not on your own margin, and not for days after you've sold. It accrues daily (formula: funded amount × interest rate p.a. ÷ 365), starting from T+1 day, and is reflected in your account statement and monthly interest statement. For example: on a ₹1,00,000 trade with ₹75,000 funded under MTF at 9.69% p.a., interest works out to about ₹19.93/day (₹75,000 × 9.69% ÷ 365) - roughly ₹598 if the position is held for 30 days.
To check your account statement: Kotak Neo > Profile > Account Statement