
What is T+5?
T+5 is a trading facility that lets you buy stocks today by paying just 20% upfront, while Rupeezy funds the remaining 80%, all without any interest cost for up to 5 trading days.
- Buy Stock
- You pay flat 20%
- Rupeezy pays
flat 80% - Zero Interest
- Sell within 5 days
(auto square-off if not sold)
Intraday vs MTF vs T+5
Details | Equity Intraday | MTF | T+5 |
---|---|---|---|
No. of Stocks | All NSE stocks | 1800+ stocks | All NSE stocks |
Leverage (Broker Funding) | Flat 5X (80%) | 0-5X (0-80%) | Flat 5X (80%) |
Your Funding | 20% | 20-100% | 20% only |
Holding Period | 1 day | Up to 365 days | 5 trading days |
Interest | n/a | 10.99% p.a. | 0% |
Ideal For | Short-term trading | Short-term positional trade | BTST / Swing trades |
Brokerage & Charges


Benefits of T+5
Trade with low capital
Opportunity to ride trends
Avoid same-day square-off risks
Zero Interest
High Rupeezy Funding (80%)
Who Should Use T+5?
Part-time traders
BTST and Swing traders
Traders avoiding intraday volatility
Low-capital investors
How T+5 Works on Rupeezy?
Meet Neha - a swing trader using T+5 to maximize returns with minimal capital.
- Step 1Day 1 (Monday) - Neha buys 100 shares of ABC Ltd at ₹500 each → Total trade value = ₹50,000
Day 1 (Monday)
Neha buys 100 shares of ABC Ltd at ₹500 each → Total trade value = ₹50,000
- Step 2Pays Just 20% Upfront - She pays only ₹10,000 Rupeezy funds the remaining ₹40,000 (Flat 80%)
Pays Just 20% Upfront
She pays only ₹10,000 Rupeezy funds the remaining ₹40,000 (Flat 80%)
- Step 3No Interest Charged - Neha holds the stock for up to 5 trading days without any borrowing cost
No Interest Charged
Neha holds the stock for up to 5 trading days without any borrowing cost
- Step 4Day 5 (Friday) - Stock price rises to ₹525 → She sells for ₹52,500
Day 5 (Friday)
Stock price rises to ₹525 → She sells for ₹52,500
- Step 5Profit Earned - Gain = ₹2,500 on just ₹10,000 investment → That's a 25% return in 5 days
Profit Earned
Gain = ₹2,500 on just ₹10,000 investment → That's a 25% return in 5 days
- Step 6If Not Sold by Friday EOD - Rupeezy automatically squares off the position at market price
If Not Sold by Friday EOD
Rupeezy automatically squares off the position at market price