Upstox provides Margin Trading Facility (MTF) exclusively for the Equity Delivery segment. This allows you to purchase stocks with partial payment while Upstox funds the remaining amount, giving you leverage of up to 4x your available capital.

In Equity delivery you buy shares with the intention to hold them in your demat account after the trading day. It gives you full ownership of the stocks.

How MTF Works

With MTF you buy shares by paying only a portion of the total value upfront, while Upstox finances the balance,

Example

• You want to buy shares worth Rs. 1,00,000
• With MTF, you pay only Rs. 25,000 (25% margin)
• Upstox funds the remaining Rs.75,000
• Your buying power increases 4 times
• The shares remain pledged with Upstox as collateral until you repay the borrowed amount.

MTF interest charges

Plan	Interest rate	Details
Basic Plan	Rs.20 per Rs.40K borrowed	Charged daily on funded amount
Upstox Plus	Rs.20 per Rs.50K borrowed	Better rates up to Rs.1 lakh

Note - For amounts above Rs.1 lakh, both plans charge Rs.20 per Rs.40K borrowed.

Features of MTF

• Up to 4x leverage on eligible stocks
• Flexible repayment
• No prepayment penalty
• Daily interest calculation
• Dividend benefits - Receive dividends on MTF-held shares

MTF vs Regular Delivery

Aspect	Regular Delivery	MTF
Capital required	100% of stock value	25% of stock value
Buying power	Limited to available funds	Up to 4x leverage
Interest charges	None	Daily interest on funded amount
Ownership	Immediate full ownership	Pledged until repayment
Holding period	Unlimited	Unlimited (with daily interest)
Best For	Long-term investors	Short to medium-term positions