Amplify your buying power with up to 3× margin on 1000+ stocks. Interest starts at just 14.99% per annum — among the lowest in the industry.
Take larger delivery positions with funded buying.
Among the lowest MTF interest rates available.
Pledge holdings as collateral directly in the app.
A wide universe of MTF-eligible stocks.
Pay a fraction upfront and Navia funds the rest, so you can hold larger delivery positions. Interest accrues only on the funded amount, at rates starting from 14.99% per annum.
Interest charged only on the funded amount, daily.
Stay ahead of margin calls with real-time alerts.
See funded value, interest and P&L at a glance.
Margin Trade Funding (MTF) lets you buy more shares than your available cash by paying only a portion of the trade value while Navia funds the rest. You get up to 3× buying power on 1000+ stocks and pay interest only on the funded amount — for example, with ₹1,00,000 you can take a position worth up to ₹3,00,000.
Navia charges 0.041% per day (14.99% per annum) on the funded amount — among the lowest in the industry. That works out to roughly ₹20 per day for every ₹50,000 funded. Interest is charged only on the funded portion and only for the days you hold the position, and positions are interest-free until the T+1 settlement.
Navia MTF offers up to 3× your capital on 1000+ MTF-eligible stocks, subject to SEBI and exchange norms.
All Group 1 stocks, as classified by SEBI and the exchanges, are available under Navia's Margin Trade Funding — over 1000 stocks in total.
You can use both cash and non-cash collateral — your available funds (ledger balance) as well as eligible holdings pledged from your demat account — to meet the margin requirement.
In the Navia app go to Funds → MTF → Pledge, select the holdings you want to pledge, and approve the request with the OTP sent by the depository (NSDL/CDSL). Pledge requests placed before the daily cut-off are processed the same day.
Pledging and unpledging holdings costs 0.02% of the value of the securities, subject to a minimum of ₹50 per transaction.
You can hold an MTF position indefinitely, as long as you maintain the required margin each day. Interest accrues daily on the funded amount until you square off or convert the position to delivery.
Yes. MTF shares are held as pledged in your own demat account, so all corporate-action benefits — dividends, bonus shares and rights issues — accrue to you as the beneficial owner.
Yes. MTF uses leverage, which can amplify both gains and losses. If the value of your collateral falls, you may need to add margin, and positions can be squared off if margins are not maintained. Use MTF only with a clear understanding of the risks.
The latest guides and ideas on Margin Trading Facility and leveraged investing.
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