{"id":10570,"date":"2025-05-28T12:15:25","date_gmt":"2025-05-28T12:15:25","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=10570"},"modified":"2026-08-07T05:53:01","modified_gmt":"2026-08-07T05:53:01","slug":"unlock-market-opportunities-with-pay-later-mtf","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/unlock-market-opportunities-with-pay-later-mtf\/","title":{"rendered":"Unlock Market Opportunities with Pay Later (MTF) \u2013 Amplify Your Returns in Momentum Markets!"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#why-let-limited-capital-hold-you-back\">Why Let Limited Capital Hold You Back?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#profit-calculation\">Profit Calculation<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#result\">Result<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#why-choose-navia-pay-later-mtf\">Why Choose Navia Pay Later (MTF)?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#ready-to-supercharge-your-trades\">Ready to Supercharge Your Trades?<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-key-takeaways-70\">Key Takeaways<\/a><\/li><\/ul>\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Did you know that in the past 45 trading days, the NIFTY 50 index delivered more than 1% returns on 7 separate occasions? For a smart investor, these high-momentum days present incredible opportunities to maximize gains\u2014and that\u2019s where <a href=\"https:\/\/navia.co.in\/blog\/category\/mtf\/\">Margin Trading Facility (MTF)<\/a>, also known as Pay Later, comes into play.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Date<\/strong><\/td><td><strong>Daily Return %<\/strong><\/td><\/tr><tr><td>08-Apr-25<\/td><td>1.7<\/td><\/tr><tr><td>11-Apr-25<\/td><td>1.9<\/td><\/tr><tr><td>15-Apr-25<\/td><td>2.2<\/td><\/tr><tr><td>17-Apr-25<\/td><td>1.8<\/td><\/tr><tr><td>21-Apr-25<\/td><td>1.1<\/td><\/tr><tr><td>28-Apr-25<\/td><td>1.2<\/td><\/tr><tr><td>12-May-25<\/td><td>3.8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/navia.co.in\/app.html\" style=\"background-color:#ec4d37\"><strong>Get Navia APP<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<blockquote style=\"border-left:4px solid #e8622f;background:#fdf1ec;padding:18px 22px;margin:1.5em 0;line-height:1.8\"><strong>&#128161; Quick Answer<\/strong><br>Pay Later, or Margin Trading Facility (MTF), lets you buy shares by paying only part of the value while Navia funds the rest, so limited capital can take a larger position. Interest accrues daily on the funded amount for as long as you hold, and is deducted from your gross profit.<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-1\" id=\"why-let-limited-capital-hold-you-back\" style=\"color:#023368\">Why Let Limited Capital Hold You Back?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">With the Navia Pay Later (MTF) facility, you can unlock up to 65% funding instantly on over 1000+ stocks. And the best part? <a href=\"https:\/\/navia.co.in\/blog\/mtf-interest-rates\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=mtf\" title=\"MTF Interest Rates: How They Affect Your Trading Returns\">Interest rates<\/a> start as low as 14.99% per annum (just Rs. 20 per day for every Rs. 50K).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Amplify Your Gains: MTF Illustration with \u20b910 Lakh Investment<\/p>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Your Capital: \u20b94,00,000<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Navia MTF Funding: \u20b96,00,000<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Total Investment: \u20b910,00,000<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Assuming you invested during a market momentum day when NIFTY rose by 1.5% and held the position for 2 days.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-2\" id=\"profit-calculation\" style=\"color:#023368\">Profit Calculation<\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Without MTF (Investing \u20b94,00,000):<\/li><ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Profit = \u20b94,00,000 \u00d7 1.5% = \u20b96,000<\/li><\/ul><li style=\"margin-bottom:0.8em;line-height:1.8\">With MTF (Investing \u20b910,00,000):<\/li><ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Profit = \u20b910,00,000 \u00d7 1.5% = \u20b915,000<\/li><\/ul><li style=\"margin-bottom:0.8em;line-height:1.8\">Interest Cost Calculation (at 14.99% p.a. or 0.0411% per day)<\/li><ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Interest per day = \u20b96,00,000 \u00d7 0.0411% = \u20b9246.60<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Interest for 2 days = \u20b9246.60 \u00d7 2 = \u20b9493.20<\/li><\/ul><li style=\"margin-bottom:0.8em;line-height:1.8\">Net Profit with MTF<\/li><ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Net Profit = \u20b915,000 &#8211; \u20b9493.20 = \u20b914,506.80<\/li><\/ul><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Pay-latter-with-MTF-683x1024.png\" alt=\"Navia Pay Later MTF funding illustration\" class=\"wp-image-10587\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Pay-latter-with-MTF-683x1024.png 683w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Pay-latter-with-MTF-200x300.png 200w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Pay-latter-with-MTF-100x150.png 100w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Pay-latter-with-MTF-768x1152.png 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Pay-latter-with-MTF.png 1024w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-3\" id=\"result\" style=\"color:#023368\">Result<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">By using <a href=\"https:\/\/navia.co.in\/blog\/how-to-use-mtf-in-stock-market-a-beginners-guide\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=mtf\" title=\"How to Use MTF in the Stock Market: A Beginner&#8217;s Guide\">MTF<\/a>, your profit increased from \u20b96,000 (without MTF) to \u20b914,506.80\u2014a 2.4x boost in returns, even after deducting interest!<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/open.navia.co.in\/index-navia.php?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=blog&amp;utm_content=pay_later_mtf_CTA\"><img decoding=\"async\" width=\"1024\" height=\"149\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC.png\" alt=\"Open a free Navia demat account and use Pay Later MTF\" class=\"wp-image-9412\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-300x44.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-150x22.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-768x112.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-4\" id=\"why-choose-navia-pay-later-mtf\" style=\"color:#023368\">Why Choose Navia Pay Later (MTF)?<\/h2>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Instant <a href=\"https:\/\/navia.co.in\/blog\/what-is-leverage-in-the-stock-market\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=mtf\" title=\"What is Leverage in the Stock Market?\">funding<\/a> with no upfront fees and zero brokerage<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Hold <a href=\"https:\/\/navia.co.in\/blog\/category\/investments\/\">investments<\/a> as long as you want\u2014unlimited holding period<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">One of the lowest interest rates in the industry<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Use pledged shares for \u20b90 capital MTF orders<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">100% transparency with an MTF ledger<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-5\" id=\"ready-to-supercharge-your-trades\" style=\"color:#023368\">Ready to Supercharge Your Trades?<\/h2>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=app.rocket.com&amp;hl=en\">Download Navia APP on Android<\/a><\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\"><a href=\"https:\/\/apps.apple.com\/in\/app\/navia-demat-stocks-options\/id1539272841\">Download Navia APP on iOS<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Take advantage of every market momentum. Start trading smarter, not harder\u2014with <a href=\"https:\/\/navia.co.in\/\">Navia<\/a> Pay Later (MTF).<\/p>\n\n\n\n<h3 id=\"aioseo-key-takeaways-70\" class=\"wp-block-heading has-text-color has-link-color wp-elements-8\" style=\"color:#ec4d37\">Key Takeaways<\/h3>\n\n\n\n<ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Pay Later (MTF) funds part of your purchase so a smaller capital base can hold a larger position on eligible stocks.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Interest is charged per day on the funded amount only, and stops when you square off the position.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">The worked example holds a position for two days: the interest cost is subtracted from the gross profit to give the net profit.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">There is no upfront fee, no brokerage on the facility, and no cap on the holding period.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Pledged shares can be used as capital for MTF orders, and every charge is visible in the MTF ledger.<\/li><\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\">We\u2019d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png\" alt=\"feedback yes or no button\" class=\"wp-image-8901\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<p style=\"font-size:13px;line-height:1.6;color:#777\"><strong>DISCLAIMER:<\/strong> Investments in the securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Brokerage will not exceed the SEBI prescribed limit. Full disclaimer: <a href=\"https:\/\/bit.ly\/naviadisclaimer\" target=\"_blank\" rel=\"noopener\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that in the past 45 trading days, the NIFTY 50 index delivered more than 1% returns on 7 separate occasions? For a smart investor, these high-momentum days present incredible opportunities to maximize gains\u2014and that\u2019s where Margin Trading Facility (MTF), also known as Pay Later, comes into play. Date Daily Return % 08-Apr-25 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10584,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[292],"tags":[726,728,270,224,45],"class_list":["post-10570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mtf","tag-leverage-in-stock-market","tag-margin-trading-facility","tag-mtf","tag-navia-app","tag-trading"],"aioseo_notices":[],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Unlock-Market-Opportunities-with-Pay-Later-MTF.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"jetpack_featured_media_url":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/05\/Unlock-Market-Opportunities-with-Pay-Later-MTF.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=10570"}],"version-history":[{"count":18,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10570\/revisions"}],"predecessor-version":[{"id":18969,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10570\/revisions\/18969"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/10584"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=10570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=10570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}