Paytm Money, a wholly-owned subsidiary of One97 Communications Limited (OCL) and a wealth-tech platform that simplifies wealth management and equity investments through a technology-first approach, today announced a significant revision in its Pay Later (Margin Trading Facility) rates, making leveraged trading more affordable and accessible for both retail and high-net-worth investors. The new structure introduces industry-leading rates starting from 7.99% per annum, with preferential slabs designed for larger portfolios.
Investors can now avail MTF at 7.99% p.a. for funding up to ₹1 lakh, 9.99% p.a. for ₹1 lakh to ₹1 crore, and 8.99% p.a. for funding above ₹1 crore. This marks a sharp reduction from earlier slabs, where rates peaked at 14.99% for funding between ₹1 lakh and ₹25 lakh. By capping the maximum rate at 9.99% p.a., Paytm Money has lowered the cost of leverage by more than one-third, ensuring traders retain a larger share of their gains.
For larger portfolios, preferential slabs bring strategic advantages. High-net-worth investors with funding between ₹25 lakh and ₹1 crore will now see carrying costs capped at 9.99% p.a., unlocking better net returns. Ultra-high-net-worth investors with funding above ₹1 crore gain access to an exclusive 8.99% p.a. rate, a benchmark for affordability and efficiency in the Indian markets.
On a funded amount of ₹1,00,000, annual interest at 7.99% equals ₹7,990, around 45% lower than the prevalent industry rates. With Paytm Money’s reduced MTF rates, investors can trade with greater confidence and affordability.
Paytm Money Spokesperson said, “With MTF rates starting at 7.99% p.a. and preferential slabs for higher funding, we’re making trading more affordable and accessible than ever before. Our goal is to help traders retain more of their gains while benefiting from our fast order-pad and MTF calculators, which simplify planning and support smarter, more informed trading decisions.”
This move reinforces Paytm Money’s commitment to democratizing wealth creation through transparent and cost-efficient solutions across investor categories. By making investing more affordable, the company strengthens its position as a trusted wealth-tech platform in India.