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Grip Invest<\/a> can be a handy investment tool for you if you are scared of taking risks.<\/p>\n We all want to invest and earn good returns, but most of us are hesitant because we fear the uncertainty of this market.<\/p>\n A distinct feature that makes Grip invest unique is that it is not linked to the market. So, it uses a unique mechanism that evaluates the risks on your behalf and ensures you receive good returns.<\/p>\n Unlike other asset investment platforms, the profits you get here are risk-adjusted.<\/p>\n Investment products offered by Grip are:<\/p>\n The return ranges between 8% to 21% in asset-backed investments. In comparison, startup investments have no return cap and work on high-risk-high-reward mechanisms.<\/p>\n Through Grip, you can invest in leases, merchandise, real estate<\/a>, and even startup stocks. It provides detailed information about the investment you select, including its business agreements, returns, partnership, investment highlights, and possible risks.<\/p>\n You can invest in Grip with a minimum investment amount of \u20b910,000 on financing products, whereas you will have to put in a sum of \u20b92,00,000 if you want to enter its startup equity segment.<\/p>\n What fascinates me about Grip invest is its investor network; with over 2.5 million investors and a 0% default rate, it is one of the most used alternative investment platforms.<\/p>\n Tyke is a cloud-based alternative investment platform that allows you to invest in private businesses.<\/p>\n You can use Tyke and invest in Startups. You can track funds and KPIs and overview portfolio performance through a dashboard.<\/p>\n Tyke has made raising funds frictionless, giving investors like us many opportunities to invest in promising startups. Tyke is also concentrating on automating investments in private equity.<\/p>\n Founders use Tyke to start an investment round, selecting the parameters and inviting investors to join.<\/p>\n Tyke also launched \u201cAnalytics,\u201d a new platform that streamlines reporting by providing crucial information on the success of your investment.<\/p>\n It intends to diversify its products into asset classes related to fixed income and related debt instruments.<\/p>\n Tyke is great for retail investors because it provides a platform where anyone can invest directly into a startup.<\/p>\n The fundraising company decides the minimum and maximum investment amount; however, as per my experience, it generally ranges between \u20b95,000 to \u20b920,000, which is pretty reasonable.<\/p>\n Lendbox is an RBI-licensed NBFC – P2P lending platform. It launched in 2017 and is now one of India’s leading P2P lending platforms.<\/p>\n Recently, Lendbox has been redesigned, and numerous innovative services have been added for customers.<\/p>\n Lendbox has teamed with a few reputable organisations to provide investors with low-risk investing opportunities.<\/p>\n These businesses act as guarantors for the loans taken out by their retailers and channel members. You can expect an annualised return of 12% to 20%.<\/p>\n The next platform on my list is Tradecred. It is an investment platform that operates solely on one investment option, invoice discounting.<\/p>\n You can consider this as an alternative to the debt market.<\/p>\n Companies use invoice discounting as a form of fundraising strategy. They obtain small sums of money from regular investors in the short term. Tradecred uses its platform to make such investment options available to basic investors like you and me.<\/p>\n TradeCred allows businesses to post their invoices on its site. Then, you can purchase a piece of the transaction or the full offer based on their preferences. Each of these transactions has a start and end date.<\/p>\n When the transaction is completed, the firm will pay the investor his money plus interest for the duration of the transaction.<\/p>\n To join TradeCred, you must have a valid phone number connected to your Aadhaar card, PAN card, and a working bank account. Through Tradecred, you can get up to 12% yields on your investments.<\/p>\n Jiraaf is a Fintech platform that provides retail investors with alternative investment solutions.<\/p>\n It claims to outperform fixed deposits in terms of returns. Although investing in Jiraaf is slightly risky, the overall returns are equally rewarding.<\/p>\n Jiraaf introduced Indians to novel fixed-income instruments like covered bonds, leases, and invoice discounting.<\/p>\n Jiraaf mainly offers three products:<\/p>\n But how much income can you make with Jiraaf?<\/p>\n This will vary depending on the product you choose.<\/p>\n As per my research, the leasing finance product provides the best returns, which can provide gross returns of up to 17-18%. It can account for the post-tax income of up to 11-12% yearly.<\/p>\n In the case of NDC and invoice discounting, the gross returns can go up to 10-15%. Your tax bracket will determine your post-tax returns.<\/p>\n Wint Wealth<\/a> is a fintech firm that offers you the opportunity to purchase high-yield (9%+) debt instruments (such as Covered Bonds\/MLD) with better security.<\/p>\n The continual reduction in fixed-income yields has resulted in the growth of Wint. Because it is a secure and reliable fixed-income instrument, a Senior Secured Bond is similar to an FD. However, they generate significantly larger yields than FDs, totaling 9% to 11% on average.<\/p>\n It has been one of the fastest-growing alternative investing platforms in the past few years.<\/p>\n Wint Wealth sells senior secured bonds from different companies directly to consumers. It has developed covered bonds for individual investors, which provide more security.<\/p>\n Opening an account with Wint Wealth is completely free. You must first hold an account with a SEBI-registered broker to create your account. They will cut your interest rate by around 2% in the event of commodities with a fixed interest rate payback of 12-14%.<\/p>\n LiquiLoans is a P2P lending platform that uses cutting-edge technology to link creditworthy applicants and lenders based on risk tolerance.<\/p>\n Indians have historically been fixed-income investors, with approximately 70% of their financial savings invested in fixed-income assets. Most bank savings accounts currently give only 2.5-3.5% in the present low-return environment, which is the target audience of LiquiLoans.<\/p>\n LiquiLoans offers a unique solution that allows you to earn 8-10% returns on your investments while maintaining quick liquidity and consistency. It is thus an excellent product for saving short-term funds, which is better than liquid funds\/saving accounts\/FDs.<\/p>\n They do not impose fees on investors or borrowers because the expense is passed on to the partners that source loans.<\/p>\n AltiFi is a cutting-edge investment platform that allows individual consumers to buy fixed-income assets.<\/p>\n It provides securities that were previously exclusively available to investment firms, retail investors, wealthy individuals, and HNIs.<\/p>\n Altifi allows institutions, HNIs, and individual investors to acquire bonds and deposit certificates from rising firms across many industries.<\/p>\n It is a subsidiary of Northern Arc Capital, a well-known finance, syndication and structuring, and wealth management organization.<\/p>\n Because it exclusively offers bonds subscribed to by its parent business, Northern Arc, Altfi is not a sheer spot marketplace. This platform focuses on bonds issued by firms with solid credit, and Northern Arc has confidence in underwriting.<\/p>\n Bond yields vary from 8 to 13%. Aside from bonds, tax-efficient structures such as MLD are also common.<\/p>\n Once enrolled with Altifi, you must enter your Demat account information, which might be NSDL or CDSL. The KYC clearance procedure is quick, and you may buy bonds within 24 hours.<\/p>\n You may buy bond units via net banking or UPI, and they will appear in the Demat account within two days.<\/p>\n KredX describes itself as a provider of supply chain finance solutions.<\/p>\n It was founded in 2015 and has added several products for retail investors and companies.<\/p>\n KredX offers finance and cash flow management to corporations and small enterprises. It also offers Buy Now Pay Later<\/a> (BNPL) services for B2B transactions, bill discounting, import-export financing, and many other products.<\/p>\n They just released the KredX Cashback Card for vendor payments in collaboration with ICICI Bank, which provides cashback\/rewards on vendor payments.<\/p>\n The KredX team consists of founders and team members with extensive expertise in banking, finance, and other fields. Tiger Global, Sequoia, and Prime Venture Partners are among KredX’s prime investors.<\/p>\n So, these were the 9 best alternative investment platforms in India which are famous and used by millions of customers.<\/p>\n Platforms like Jiraaf<\/a>, Grip Invest<\/a>, Wint Wealth<\/a>, and Tyke<\/a> are great places to start your alternate investment journey. These investment platforms have a good customer base and are known for doing what they claim.<\/p>\n Not financial advice, but what I generally do is, instead of placing my money in a single alternative investment fund, I spread it across multiple investments. I start with a lower amount, and when I feel I am getting decent returns from a particular platform and their figures are trustworthy, I tend to increase my bet size.<\/p>\n That was all for today; these alternative investment funds offer a great way to generate passive income. However, I must say you, as an investor, must conduct thorough research and never rely on figures shown on any investment platform\u2019s website.<\/p>\n Discover the top alternative investment platforms in India for maximizing your returns and diversifying your portfolio. <\/p>\n\n
Pros<\/h3>\n
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Tyke<\/a><\/h2>\n
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Lendbox<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/Alternate-Investment-LendBox.jpg?resize=800%2C451&ssl=1\")
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Tradecred<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/Alternate-Investment-TradeCred.jpg?resize=800%2C326&ssl=1\")
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Jiraaf<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/Jiraaf.jpg?resize=800%2C440&ssl=1\")
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Wint Wealth<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/Alternate-Investment-Wint-Wealth.jpg?resize=800%2C575&ssl=1\")
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LiquiLoans<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/Alternate-Investment-Liquiloans.jpg?resize=800%2C406&ssl=1\")
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Altifi<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/Altifi.jpg?resize=800%2C717&ssl=1\")
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KredX<\/a><\/h2>\n
![\"\"](\"https:\/\/i0.wp.com\/aayushbhaskar.com\/wp-content\/uploads\/2022\/12\/KredX.png?resize=800%2C383&ssl=1\")
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Final Verdict<\/h3>\n
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