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
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%.
| Platform | Description | Min Investment | Indicative Returns | Review Link |
|---|---|---|---|---|
| Jiraaf(Altgraaf) | Previously Jiraaf. Popular platform for invoice discounting with Trade Insurance | Rs.100,000 | 11-15% | Jiraaf( Altgraaf) Review |
| InvoiceX by Grip Invest | The only diversified, RBI compliant, and credit-rated instrument backed by pool of invoices | Rs 50,000 | 10-14% | Grip Invest Review |
| Tapinvest | Previously Leafround High Yield Invoice Opportunities | Rs 100,000 | 11-16% | Tapinvest(LeafRound )Review |
| BetterInvest | Invoice discounting for movies sold to OTTs. Invest in Movie (Use Code TXRHTH to get offers) | Rs 50,000 | 16-18% | Betterinvest Review |
| TradeCred | Popular platform for invoice discounting Vast pool for invoices - deals which get subscribed quickly | Rs 50,000 | 11-14% | TradeCred Review |
| LendPartnerz | Comparatively newer invoice discounting platform for Bluechip | Rs 100,000 | 12-15% | Lend Partnerz Review |
| Tyke Wealth | Very High Yields on Invoice Discounting. | Rs 20,000 | 13-17% | 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%
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Affinue | Asset Leasing with highest post tax returns. (use Promo code MR630878 for benefits) | INR 50,000 | 12-14% (Post Tax) | Affinue Review |
| Tapinvest | One of the oldest Asset Leasing Platform | INR 50,000 | 13-21% | Tapinvest(LeafRound )Review |
| Grip Invest | LeaseX is a listed regulated product with pool of leasing assets | INR 100,000 | 12-18% | Grip Invest Review |
| Race vault form | Direct Leasing to Race vault by purchasing batteries | INR 50,000 | 27%+ | Race Vault Review |
| Wisex | Only Real Estate Asset Leasing listed product in India | INR 1,000,000 | 13-15% | 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
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Assetmonk | Platform has Debt deals as well as fractional investment opportunities | INR 500,000 | 15-20% | Assetmonk Review |
| ALTDRX | Only Platform that allows trading of real estate. | INR 10,000 | 12-20% | ALTDRX Review |
| Earnnest.me | High Yield Real Estate Platform( Use Code PX64XW to get 0.5%) | INR 10,000,00 | 14-17% | Earnnest Review |
| FarmFrax | Platform to buy and lease agricultural land | INR 100,000 | 15-17% | FarmFrax Review |
| Wisex | Real Estate fractional as well as Debt Products | INR 10,000,00 | 13-17% | Wisex Review |
| Hbits form Discount | Fractional Real Estate with Blue Chip Clients | INR 25,000,00 | 14-17% | 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
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Altifi | Backed by Northern Arc. High Yield Corporate Bonds | INR 10,000 | 10-14% | Altifi Review |
| Tapinvest | 14%+ Yield Bonds available | INR 100,000 | 10-17% | Tapinvest(LeafRound )Review |
| Grip Invest | Corporate Bonds and Securitized Debt Instruments available | INR 20,000 | 10-15% | Grip Invest Review |
| Wint Wealth | Offers short term bonds along with Corporate FD | INR 10,000 | 10-12% | Wintwealth Review |
| Indiabonds | Platform promoted by AK Capital, one of the largest bond brokers | INR 10,000 | 10-13% | Indiabonds Review |
| Incred Money | Only Platform to equity linked debentures in India | INR 100,000 | 10-13% | Incred Money Review |
| Indiabonds | Upcoming platform with competitive quotes | INR 100,000 | 10-14% | Indiabonds Review |
| Fixedincome | Promoted by Tipson group, a large bond broker | INR 100,000 | 10-14% | 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..
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| India P2P | Microfinance lending P2P with physical lending centres | INR 10,000 | 15-16% | India P2P Review |
| Lendbox Per Annum | Platform with diversified pool of Credit worthy borrowers | INR 5,000 | 11-15% | Lendbox Per Annum Review |
| I2Ifunding | One on India's Oldest P2P platform(Referral code discount50@i2i) | INR 5,000 | 11-16% | I2IFunding Review |
| Faircent | Platform with multiple products as per risk appetite | INR 5,000 | 11-14% | 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.
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Stockal | One of the first platform to offer Global Investing | INR 100,000 | Equity Performance | Stockal Review |
| Vested | Offers Global Investing and Over the counter deals | INR 50,000 | Equity Performance | Vested Review |
| Altius | Best Platform for Unlisted Equity | INR 10,000 | Equity Performance | A*ltius Review |
| Inflection Point Ventures | Best Platform for Angel Investing | INR 300,000 | Equity Performance | IPV 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.
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Wint Wealth | High Yield FD and SGB available | INR 10,000 | Upto 9.5% | Wintwealth Review |
| Stablemoney | Maximum number of FD available | INR 5,000 | Upto 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
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Policy Exchange | Invest in Insurance Policies | INR 50,000 | 11-15% (Tax- Free) | Policy Exchange Review |
| Iconomi | Mutual Fund of crypto | USD 100 | Crypto Performance | Iconomi Review |
| Vested | Invest in Green Assets | INR 20,000 | 11-13% | 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.
You can join our Telegram group to get constant updates on alternative investments in India and never miss a post! I am available via email at info@randomdimes.com
