MTF Calculator
See the interest cost, leverage and break-even move of a Margin Trading Facility (MTF) position.
About the MTF Calculator
Enter the position size, the margin you put up, the broker's yearly interest rate, how many days you'll hold and the charges. The calculator gives the interest cost, your leverage, the rise needed to break even and what a fall would do to your money.
With MTF, an Indian broker funds part of a delivery purchase and charges daily interest, often 12–18% a year, on the funded amount. SEBI sets minimum margins by stock category. Leverage magnifies both gains and losses, and the broker can square off your position if margin falls short.
The formula
Interest = funded amount × rate × days ÷ 365
Worked example
A ₹5 lakh position with 25% margin, 15% interest, held 30 days, ₹300 charges
- Broker funds ₹3,75,000 (4× leverage)
- Interest: 3,75,000 × 15% × 30 ÷ 365 = ₹4,623.29
- A 10% fall would lose 43.9% of your money
Questions people ask
Is interest charged on weekends?
Usually yes, on calendar days held.
What happens if the price falls?
You must add margin or the broker may sell the shares.
Sources
The rules and rates this calculator uses come from the official pages below. Its results are estimates, not an official determination, and rules change, so check the latest figures there before you act on them.