Daily interest on the funded amount
Groww currently publishes 0.041% per day (14.95% p.a.) on the funded amount. A ₹1,50,000 funded balance therefore carries ₹61.50 of interest for one day before considering other charges.
GrowwGroww MTF Trading Journal
Track Groww MTF funded amount, daily interest, brokerage, leverage and holding cost beside the trade itself. QbarTrade helps you review a funded position by the return left after financing and charges — not only the price move shown on the position.
Illustrative MTF position
RELIANCE
Trade value₹2,00,000
Your margin₹50,000
Funded amount₹1,50,000
Daily interest₹61.50
10-day financing cost₹615.00
@ 0.041%/dayExample only. Actual margin requirement, funded amount, holding period and charges vary by trade.
How it works
Groww MTF: funded amount, interest, brokerage and buying power
Groww's Margin Trading Facility lets you take an eligible stock position with part of the capital coming from you and the rest funded by Groww. The SEO keyword is often "Groww MTF interest rate," but for journaling the more important number is the rupee amount actually funded on each trade, because that is what the financing cost is based on.
MTF brokerage is separate from financing
Groww currently lists MTF brokerage at 0.1% per order on the order value. Interest tells you the cost of borrowed capital; brokerage tells you the cost of execution. A clean journal keeps both visible.
Buying power depends on the stock
Groww markets MTF with up to 4× buying power, but the required margin can differ by stock. Record actual margin used and actual funded capital so your leverage review is based on the position you held, not a headline multiple.
Broker pricing changes over time. Confirm the latest Groww MTF rate and charges before trading.
The blind spot
Why Groww MTF cost can be harder to judge from one number
Groww gives traders position details, funded capital and charge information. The problem is not missing data — it is that price P&L, funding, transaction charges and margin changes answer different questions. A trading journal has to reconnect them before you judge whether the trade was actually worth taking.
Daily calculation and ledger visibility are not the same thing
MTF interest accrues from the outstanding funded amount over time. Groww has also used consolidated interest postings in All Transactions, so the frequency at which a charge is displayed does not necessarily describe how the cost accumulated during the hold.
A profitable price move can still be an expensive funded trade
Gross P&L answers whether price moved in your favor. It does not tell you what holding days, MTF interest, brokerage, pledge costs and other charges removed from that result. For swing-style MTF trades, that difference is part of the strategy itself.
Margin shortfall changes the trade after entry
Market moves, haircut changes and margin requirements can alter how much capital you need to maintain a funded position. If you add funds, add collateral or reduce the position, the journal should record that change instead of treating entry conditions as permanent.
The fix
Journal Groww MTF around funded capital, not just entry and exit
QbarTrade's MTF workflow is built around the position's financing context: your margin, broker-funded capital, holding period, interest and final net result. That makes Groww MTF analysis useful even when the execution record and financing entries live in different parts of the broker workflow.
Keep funded amount attached to the trade
Record the stock, quantity, trade date, your margin and Groww-funded amount together. That gives every interest calculation a position-level base instead of estimating funding from total trade value later.
Accrue holding cost across the life of the position
Review financing by holding day so a 3-day trade and a 30-day trade are not judged by the same gross return. The longer the funded amount remains outstanding, the more important carry becomes.
Review true net P&L and ROI
Separate market profit from interest and charges, then evaluate the result against your own capital. That tells you whether leverage improved the trade after cost or simply made the gross P&L look larger.
Using it well
Three Groww MTF journal checks worth doing on every funded trade
Groww makes MTF easy to place. Your journal should make the financing decision equally easy to review. These three checks turn the most searched Groww MTF questions into numbers you can improve.
Compare planned holding days with actual holding days
A setup intended for four sessions can quietly become a two-week funded position. Track the intended hold, actual hold and accrued interest together so you can see whether overstaying a trade is consuming your edge.
Review returns on your own margin and after financing
Leverage makes percentage returns on your contributed margin look larger in both directions. Keep gross exposure, own margin, funded amount and net P&L side by side so the risk behind that return stays visible.
Log shortfalls, collateral changes and MTF-to-delivery decisions
Groww supports MTF position management features such as shortfall visibility and conversion to delivery. Record these changes because they alter capital usage, financing cost and the reason you are still holding the trade.
FAQ
Groww MTF charges, interest and journaling questions
What is Groww MTF?
Groww MTF, or Margin Trading Facility, lets you buy eligible stocks by paying only part of the order value while Groww funds the remaining amount. Interest is charged on the funded amount for the time the MTF position remains open.
What is the Groww MTF interest rate?
Groww currently publishes an MTF interest rate of 0.041% per day, or 14.95% per annum, on the amount funded by Groww. Broker pricing can change, so always confirm the latest rate on Groww before placing a trade.
How is Groww MTF interest calculated?
Start with the funded amount, not the total trade value. Multiply that funded amount by Groww's applicable daily MTF interest rate, then multiply by the number of days the funding stays outstanding. A trading journal should keep this cost attached to the position while you hold it.
What are the main Groww MTF charges?
Groww currently publishes MTF interest on the funded amount, brokerage of 0.1% per order on order value, and a ₹20 pledge/unpledge charge per order. Statutory and other applicable trading charges can also affect your final net result.
Where can I see my Groww MTF positions and interest?
Groww says MTF positions can be monitored from the Positions area, while fees and transaction entries are available through Stock F&O Balance, All Transactions, reports and contract notes. Groww has also used summary-style MTF interest postings while continuing to calculate interest daily.
How much leverage does Groww MTF provide?
Groww advertises up to 4× buying power on eligible MTF stocks, with the actual amount you must contribute depending on the stock's margin requirement. The useful journal number is the real funded amount on each position, not the headline leverage alone.
What should I track when a Groww MTF margin shortfall appears?
Track the date, required margin, available margin, any additional funds or collateral added, and whether the position size changed. A shortfall can change the economics and risk of the trade even when your original entry thesis has not changed.
Can pledged holdings be used for Groww MTF?
Groww has published a cashless MTF workflow that can use eligible pledged holdings as collateral. Eligibility, haircut and margin availability can vary, so the journal should record the margin actually available and funded for the specific trade instead of assuming a fixed ratio.
What makes a useful MTF trading journal for Groww traders?
It should keep funded amount, your own margin, holding days, daily financing cost, brokerage and charges, leverage, trade notes and final net P&L together. That lets you review whether the setup made money after the cost of borrowed capital, not only whether the stock price moved in your favor.
Groww MTF journal
See the return after borrowed capital has been paid for.
Track funded amount, interest, charges, leverage, notes and net P&L in one MTF workflow.
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