Fixed deposits pay 6–7%. Alternative investments options- invoice discounting, asset leasing, P2P lending, fractional real estate, high-yield bonds- claim to offer upto 15%.
The catch? There are now 20+ platforms competing for your money, and most of them will never tell you about the fine print, the delays, or the risks buried in their FAQ.
That’s what this blog is for.
I’m Rohan. I am a personal finance enthusiast with a keen focus on alternative investments. I have personally put money into most of platform listed on this page — not just read their pitch decks. I track returns, flag red flags, and publish a regular reports of my own portfolio so you can see exactly how these platforms play out over time, not just what they promise on day one.
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Disclaimer: Nothing on this blog constitutes investment advice. All content is shared for informational purposes only- please do your own research before investing. Some links on this page are affiliate/referral links, and I may earn a commission if you sign up through them, at no extra cost to you.
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 | Review Link |
|---|---|---|---|
| Altgraaf | Popular platform for invoice discounting with many deals having trade insurance & bank guarantees | Rs.100,000 | Altgraaf Review |
| Ultra | Offers invoice discounting along with other products like digital gold/silver, asset leasing, etc. | Rs 100,000 | Ultra Review |
| BetterInvest | Invoice discounting for media & entertainment industry. | Rs 50,000 | BetterInvest Review |
| Amplio | Offers invoice discounting deals along with Amplio Wealth- Earn Up to 10% p.a Returns with a Simple 7-Day Lock-In & high liquidity | Rs 1,00,000 | Amplio 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.
| Platform | Description | Min Investment | Review Link |
|---|---|---|---|
| Alt Drx | Only Platform that allows trading of real estate. | INR 10,000 | AltDrx Review |
| Per Annum | Real Estate fractional Pre Sales House | INR 500,000 | PerAnnum Estates Review |
Bonds & NCDs
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 | Review Link |
|---|---|---|---|
| Aspero | Collaboration with Aspero to provide best Yields to our readers | INR 10,000 | Aspero Review |
| Altifi | Backed by Northern Arc. High Yield Corporate Bonds | INR 10,000 | Altifi Review |
| Jiraaf | Popular platform for bonds | INR 10,000 | Jiraaf Review |
| Grip Invest | Corporate Bonds and Securitized Debt Instruments available | INR 20,000 | Grip Invest Review |
| Wint Wealth | Offers short term bonds along with Corporate FD | INR 10,000 | Wintwealth Review |
| The Fixed Income | Promoted by Tipson group, a large bond broker | INR 10,000 | Fixedincome Review |
Peer to Peer Lending (P2P)
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.
| Platform | Description | Min Investment | Review Link |
|---|---|---|---|
| India P2P | P2P platform focused on lending to women entrepreneurs and small businesses | INR 10,000 | India P2P Review |
| Lendbox | Marketplace offering both personal and business loan investments | INR 5,000 | LendboxReview |
| I2Ifunding | One of India's earlier P2P lending platforms | INR 5,000 | I2IFunding Review |
US Stocks Investing
Investors can now invest in US stocks& ETF’s through fintech platforms right by sitting in their homes in India.
| 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 |
Other Alternative Investment Platforms
Some platforms that offer very unique asset classes are covered below
| Platform | Description | Min Investment | Indicative Returns * | Review Link |
|---|---|---|---|---|
| Policy Exchange | Invest in Insurance Policies | INR 50,000 | 11-15% (Tax- Free) | Policy Exchange Review |
Points to Remember before Investing:
Alternative investments carry significant risk. Please do your own research and consult a qualified investment adviser before investing.
- This content is for informational purposes only and does not constitute investment advice.
- Returns mentioned are indicative only and may vary significantly — including the possible loss of principal.
- Alternative investment platforms listed here may or may not be regulated by government authorities. Please conduct your own due diligence before proceeding.
