Alternative Investments Platforms in India

This is Rohan. I am a personal finance enthusiast with a keen focus on alternative investments. Over the last 7 years, I have generated returns upwards of 15 percent on my portfolio of investments with calculated risk. I share all my insights and firsthand experiences about alternative investments & personal finance on this blog. I also publish monthly alternative investment performance reports of my portfolio. If you are new to alternative investments, start with this post!

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Disclaimer: No part of this blog is investment advice. All published content here is only for information purposes. Kindly do your research before investing. Also, I might be an affiliate of some of the platforms on this blog & might earn incentives if you sign up through my referral.

Invoice Discounting

Alternative investment in India

Invoice discounting allows investors to purchase unpaid invoices from businesses at a discount, providing immediate cash flow to the company and potential returns to the investor when the invoices are paid in full. These are short-term investments in nature with 30-90 day maturity and returns up to 18%.

PlatformDescriptionMin InvestmentIndicative Returns Review Link
Jiraaf(Altgraaf)Previously Jiraaf.
Popular platform for invoice discounting with Trade Insurance
Rs.100,00011-15%Jiraaf( Altgraaf) Review
InvoiceX by Grip InvestThe only diversified, RBI compliant, and credit-rated
instrument backed by pool of invoices
Rs 50,00010-14%Grip Invest Review
Tapinvest
Previously Leafround

High Yield Invoice Opportunities
Rs 100,00011-16%Tapinvest(LeafRound )Review
BetterInvestInvoice discounting for movies sold to OTTs.
Invest in Movie (Use Code TXRHTH to get offers)
Rs 50,00016-18%Betterinvest Review
TradeCredPopular platform for invoice discounting
Vast pool for invoices - deals which get subscribed quickly
Rs 50,00011-14%TradeCred Review
LendPartnerzComparatively newer invoice discounting platform for BluechipRs 100,000 12-15%Lend Partnerz Review
Tyke WealthVery High Yields on Invoice Discounting.Rs 20,00013-17%Tyke Review

Asset Leasing

Asset leasing involves renting assets like equipment to businesses for a fee, providing a steady income stream and potential investment returns. The assets can be anything from Laptops to batteries. Expected returns range from 15-27%

PlatformDescriptionMin InvestmentIndicative Returns *Review Link

AffinueAsset Leasing with highest post tax returns. (use Promo code MR630878 for benefits)INR 50,00012-14% (Post Tax)Affinue Review
TapinvestOne of the oldest Asset Leasing PlatformINR 50,00013-21%Tapinvest(LeafRound )Review
Grip InvestLeaseX is a listed regulated product with pool of leasing assetsINR 100,00012-18%Grip Invest Review
Race vault formDirect Leasing to Race vault by purchasing batteriesINR 50,00027%+Race Vault Review
WisexOnly Real Estate Asset Leasing listed product in IndiaINR 1,000,00013-15%Wisex Review

Fractional Real Estate

Fractional real estate investing allows multiple investors to collectively own a portion of a property, sharing the costs and potential returns. Investors earn returns through rental income and property appreciation proportional to their ownership stake. There are different models in real estate investments such as 

  • Land Ownership
  • Commercial or Residential Real Estate
  • Real Estate Debt
PlatformDescriptionMin InvestmentIndicative Returns *Review Link
AssetmonkPlatform has Debt deals as well as fractional investment opportunitiesINR 500,00015-20%Assetmonk Review
ALTDRXOnly Platform that allows trading of real estate.INR 10,00012-20%ALTDRX Review
Earnnest.meHigh Yield Real Estate Platform( Use Code PX64XW to get 0.5%)INR 10,000,0014-17%Earnnest Review
FarmFraxPlatform to buy and lease agricultural land
(Use code ROH996 to get extra 0.5%)
INR 100,00015-17%FarmFrax Review
WisexReal Estate fractional as well as Debt ProductsINR 10,000,0013-17%Wisex Review
Hbits form DiscountFractional Real Estate with Blue Chip ClientsINR 25,000,0014-17%Hbits Review

Bonds/NCDs/Fixed Deposits

Non-convertible debentures (NCDs) are fixed-income instruments issued by corporations, providing regular interest payments and returning the principal amount at maturity, often with higher interest rates than traditional bonds.

Below are some of the top bond platforms in India. It is best to compare bond yields across platforms to get the cheapest quotes

PlatformDescriptionMin InvestmentIndicative Returns *Review Link
AltifiBacked by Northern Arc. High Yield Corporate BondsINR 10,00010-14%Altifi Review
Tapinvest
14%+ Yield Bonds availableINR 100,00010-17%Tapinvest(LeafRound )Review
Grip InvestCorporate Bonds and Securitized Debt Instruments availableINR 20,00010-15%Grip Invest Review
Wint WealthOffers short term bonds along with Corporate FDINR 10,00010-12%Wintwealth Review
IndiabondsPlatform promoted by AK Capital, one of the largest bond brokersINR 10,00010-13%Indiabonds Review
Incred MoneyOnly Platform to equity linked debentures in IndiaINR 100,00010-13%Incred Money Review
IndiabondsUpcoming platform with competitive quotesINR 100,00010-14%Indiabonds Review
FixedincomePromoted by Tipson group, a large bond brokerINR 100,00010-14%Fixedincome Review

Peer to Peer Lending (P2P Lending)

Peer-to-peer (P2P) lending involves investors lending money directly to other individuals or businesses through online platforms, bypassing traditional financial institutions. Investors can earn returns by receiving interest payments on the loans they provide to borrowers.

* A lot of fintech companies and apps have partnered with P2P NBFCs and are offering P2P investment solutions to customers. Those are not mentioned here as we have mentioned the prominent P2P NBFC parents in the table individually..

PlatformDescriptionMin InvestmentIndicative Returns *Review Link
India P2PMicrofinance lending P2P with physical lending centresINR 10,00015-16%India P2P Review
Lendbox Per AnnumPlatform with diversified pool of Credit worthy borrowersINR 5,00011-15%Lendbox Per Annum Review
I2IfundingOne on India's Oldest P2P platform(Referral code discount50@i2i)INR 5,00011-16%I2IFunding Review
FaircentPlatform with multiple products as per risk appetiteINR 5,00011-14%Faircent Review

Startup Equity/Unlisted Shares/International Stocks

Startup equity investing for retail individual investors involves purchasing shares in early-stage companies in exchange for partial ownership.

Investing in unlisted shares involves buying shares of companies that are not listed on any stock exchange. It provides an opportunity to invest in early-stage or privately held companies.

Both offer the potential for exponential returns but at the same time come with significant risks.

PlatformDescriptionMin InvestmentIndicative Returns *Review Link
StockalOne of the first platform to offer Global InvestingINR 100,000Equity PerformanceStockal Review
VestedOffers Global Investing and Over the counter dealsINR 50,000Equity PerformanceVested Review
AltiusBest Platform for Unlisted EquityINR 10,000Equity PerformanceA*ltius Review
Inflection Point VenturesBest Platform for Angel InvestingINR 300,000Equity PerformanceIPV Review

Fixed Deposit Investment Platforms

Fixed deposits require no introduction. Bonds are debt securities, generally issued by companies with lower credit ratings, offering higher interest rates to investors in exchange for the increased risk of default. 

PlatformDescriptionMin InvestmentIndicative Returns *Review Link
Wint WealthHigh Yield FD and SGB availableINR 10,000Upto 9.5%Wintwealth Review
StablemoneyMaximum number of FD availableINR 5,000Upto 9.5%Stablemoney Review

Other Alternative Asset Classes

Some platforms that offer very unique asset classes are covered below

  • Insurance Assignment Investment
  • Wine Investing
  • Crypto Investing
PlatformDescriptionMin InvestmentIndicative Returns *Review Link
Policy ExchangeInvest in Insurance PoliciesINR 50,00011-15% (Tax- Free)Policy Exchange Review
Iconomi Mutual Fund of cryptoUSD 100Crypto PerformanceIconomi Review
VestedInvest in Green AssetsINR 20,00011-13%Vested Review

Notes

  • Alternative investments are risky. Do your research and consult an investment adviser before investing.
  • This is only information & NOT investment advice. 
  • Returns mentioned are only indicative and can vary greatly- even resulting in loss of principal in some cases.
  • Alt platforms listed here may or may not be regulated by government authorities. Please do your proper due diligence.

About Me

My name is Rohan. I am a personal finance enthusiast who enjoys exploring innovative asset classes & platforms. Professionally, I am a full-time professional with 13+ years of experience in derivative trading strategies and portfolio construction

The content on this blog is merely for information & not investment advice. You are requested to research and analyze your goals & requirements before investing. 

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