Lendbox Review – 3 Year Experience

lendbox partners

Lendbox Introduction In the ever-evolving world of investment opportunities, new and innovative platforms cater to modern investors’ needs. One such alternative investment option that has emerged as a game changer in the industry is Lendbox. Lendbox offers investors a unique opportunity to invest in alternative investments and diversify their portfolios. In this review, I will … Read more

Mobikwik Xtra Review – Should you Invest?

 We live in a fast-paced world where traditional investment options do not always provide the expected returns, and investors are always looking for innovative ways to grow their wealth. One such platform has caught investors’ attention that is Mobikwik Xtra.  This blog will discuss Mobikwik Xtra, a fintech company offering a unique investment opportunity. But … Read more

Capitall Club Review -15%+ IRR SME Lending

Capitall Introduction In today’s rapidly evolving business landscape, startups and Micro, Small, and Medium Enterprises (MSMEs) drive innovation and economic growth. However, securing adequate financing to bring their ideas to life and scale their operations is one of these enterprises’ most significant challenges.  That’s where Capitall Club comes in. Whether you are an aspiring entrepreneur … Read more

Alternative Investments Portfolio – April 2023

     Republic bank crash

First Republic Bank has become the second large regional bank with assets over $200 billion to fail in just a few weeks.

Why did the bank fail? The First Republic grew rapidly through deposits from wealthy individuals and companies. It used those deposits to make large loans, including jumbo mortgages, when interest rates were at historically low levels in hopes of convincing customers to expand into more profitable products like wealth management.

Many of the bank’s accounts had deposits well north of the federally-insured $250,000. Once Silicon Valley Bank went under, clients pulled their money, fearful their deposits were in danger. First Republic said last week that depositors had withdrawn more than $100 billion, most of it during a few days in mid-March.

“Too many (First Republic) customers showed their true loyalties were to their own fears”

The current market environment doesn’t look great with Fed raising the interest rate while people losing confidence in the banks. Indian market till now has mostly ignored the noise but I am not too confident to add more capital to the equity market currently.

Alternative Investment Portfolio Performance

This month I explored a new platform. Many investors like me have been looking for a leasing platform that can offer pre-tax opportunities. Leasify is one platform that provides pre-tax options for investors. They also have a feature to provide liquidity to investors by reselling the deals in the secondary market.

Leasify review

I have made my first investment in Bud-E and looking to do a podcast with the founder soon. Will be sharing the details on Telegram and Mail to all the subscribers. It is a very new platform hence I would advise investors to evaluate it for some time before committing large capital.

We are also starting a Forum on Randomdimes where investors can discuss various investment opportunities, trading, and other finance-related stuff. You can register and get started here

Randomdimes Forum

Lending Investment

Platform Returns NPA
Grip Invest 12% 0%
Klubworks 15-17% 0%
WintWealth 10-11.5% 0%
Jiraaf 12-15% 0%
Pyse 10-11%(Post-Tax) 0%
Legalpay 14-16%(Post Tax) 0%
Growpital 16%(Tax Free) Blended Yield
Leafround 17% 11 Payments
Altifi 12.50% 0%
Better Invest 18.00% 0%
  • All my cash flows in Klubworks, WintWealth, Pyse, Leafround, and GripInvest are as per schedule.
  • My average IRR for completed Klub deals before fees is  30%!
  • Invested in Stashfin commercial paper on Jiraaf for 6 months considering Stashfin has recently raised money.
  • Invested in 2 invoiced on Leafround
  • Wintwealth is losing Vivriti at a 10% yield shortly.
  • Grip has A+ rated Shieldx offering 11%
  • 2 Betterinvest deals are lined up this month
  • Invested in Interim Finance bond Issued by Legalpay at 14% (Promo code FV48G4 )
alternative Investments India
Klub performance

New Deals


Invoice Discounting and Pooled Loans

Platform Returns NPA
Liquiloans (Liquid Fund Substitute) 9-10% 0%
Tradecred 11.50% 0%
Lendbox (Per Annum +Settlement Finance) 11.50% 0%
Cashkumar(Elastic Run) 11.50% Paused
KredX 12% 0%
  • Lendbox Per Annum returns are as per expectations with seamless liquidity.
  • Using Liquiloans/Per Annum to Park Short term capital
  • Added Bizingo on Tradecred this month at 11%
  • Have stopped Cashkumar for the moment as no deal flow and visibility.

Crypto Investing

Bitcoin has been the best-performing asset of 2023. This is ironic as last year people were claiming that crypto is over. However, I feel it is a good time to accumulate good coins for the long term.

I will be using a hardware wallet for storing the bulk of my investments. Safepal and Ledger Nanao are good options for people getting started as they are not heavy on the pocket. You should compare the 2 before finalizing 

P2P Investment

Current allocation:

  • India P2P – 50%
  • 12Club – 5%
  • I2IFunding- 25%
  • Finzy-10%
  • Faircent Pool Loan -10%
Platform Loans Selected Yield NPA
I2IFunding Urban Clap Loans, education loans, Group loans 13.5% 4.75%
IndiaP2P Only Women Borrower Loans, Branch-based p2p lending 17% <1%
FINZY Prime Borrowers, High Salary,A category 14.2% 3.5%
12 Club Only Minimum amount 12% 0%
  • IndiaP2P performance has been as per my expectations till now. Have completed almost 10 months. Will consider adding some more capital in the next few months. Planning to do a detailed post  as well as an interview with  the founder of Indiap2p soon
  • I2Ifunding and Finzy have a very low volume of loans
  • The systematic investment plan loan on Faircent ( Only SIP Loan) is doing well

IndiaP2P Performance

Equity Market

The equity market looks less attractive as interest rates are high and even top Bonds can offer 8-10% yield with low volatility

PreIPO Stocks

Most unlisted shares traded offline through select brokers have declined between 25% and 60% in the past year due to diminished investor appetite amid the underperformance of many newly-listed stocks and an uncertain market outlook. People can start adding few stocks through Altius or Unlistedzone

Listed Stocks

Indian Equity Market has been on steroids in the last month rallying from 17000 to 18200 in 15 days. I am again reducing my SIPS at this level which I had started aggressively 3 months back.

Other Alternative Investment Assets  and Platform Updates

Growpital Investment –  The performance of the platform has been satisfactory till now. Attended the latest webinar of Rituraj.I am still awaiting the latest Audited financial report and the appointment of a Trustee before scaling up my investment.

Growpital(Promo code GROWRDIMES)

Sustvest Investment – My Sustvest Portfolio has been doing fine with proper repayments to date. There is a new deal on Sustvest with a 10.86% return.

Fractional Real Estate Update- My investment in MYRE Capital has been performing as expected.  They have recently been acquired and rebranded themselves which will have no negative impact on the platform.

Myre review

Aasthy Update –  Both my existing opportunities are in profit.  I am up 16% from my invested level. They are exiting the first opportunity soon. Will update you on the final performance

Read more

Subscribe to the newsletter to get the latest information on Alternative Investments