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A Milestone and a Story
We are delighted to announce our pre-seed fundraise from Antler India VC to charge ahead on our mission to create robust, high-yield debt-based investment products based on real economic value. Serving as a good entry point for new investors, as well as complement experienced investors' portfolios.
Here’s a little story and how all this came about:
IndiaP2P combines these trends leading to a great investment product for retail investors and value add for borrowers. We curate high-quality loans and package them into ready to invest diversified portfolios.
All this is made possible by India’s enabling fintech and regulatory ecosystem. The regulation around retail investments in loans is recent and governed by the Reserve Bank of India.
Our aim is that IndiaP2P becomes your second source of income.
Like any investment, investing in IndiaP2P products also comes with risks; managing and mitigating these remain our foremost priority. By design, our products are built with high-quality loans and work on the principle of diversification to lower risk without compromising on returns. Above all this, we are committed to being responsible and answerable to all investors at all times.
Early investors in IndiaP2P products have led to this milestone and we are ever so grateful for their trust.
In this endeavor to build India's finest passive-income product, we want new investors to hear from existing ones and invest basis real, delivered outcomes which is why we are offering a 1% referral bonus* i.e. when your friends invest for the first time, both of you stand to earn a bonus 1% of their investment.
- Referral bonus will be credited within 30 working days to referee and referrer's first investment plans.
- Referral bonus will be added to the first investment plan o as 'top-up'.
- In case of premature investment withdrawal, the referral earnings and interest earned upon it will be deducted.
- Maximum earnings per referral are capped at INR 2000.
- Maximum earnings per referrer are capped at INR 50,000.
- Referral codes automatically expire in 90 days.
- You can view your referral code in the top right, drop-down menu upon logging in.
- Trickle Flood Technologies Private Limited (IndiaP2P) reserves the right to amend, withdraw or alter the terms of this referral programme without prior notice.
Impact of rising interest rates on your investments
Inflation has risen across the globe to become a pain point for policymakers who grapple with rising prices and faltering economic growth. Things seemingly turned worrisome when the Reserve Bank of India (RBI) raised the repo rate by 40 basis points on May 4 and again on June 6. With the growing interest rates, should investors like you need to worry? What should be your strategy towards investment during such times? Let’s find out. First, let us revisit the connection between inflation, interest rate, bond yields etc. Inflation and interest rates are directionally related, i.e. they tend to move along the same trend but with some lag. RBI and other central banks desire positive but manageable inflation rates. A negative inflation rate or deflation means degrowth in the economy because with rapidly decreasing prices, consumers tend to pause/postpone their spends leading to slowdown in economic activity. Fundamentally, the supply and demand...
What is the tax rate on my investment? - June 2022
Many of us are unprepared for the tax payouts applicable to our investments and forget to factor them in. Here's a ready reckoner to help you estimate your 'post-tax returns' and compare investment options. Tax Rates on Your Investments Tax Type Short Term Gains Long Term Gains Equity mutual fund Post-tax earnings are added to your income and taxed as per your individual tax slab. 15% + 4% cess 10% + 4% cess (LTCG >1 year) Debt mutual fund Post-tax earnings are added to your income and taxed as per your individual tax slab. At the tax slab rate of the individual 20% + 4% cess with indexation (LTCG >3 year) Equity Post-tax earnings are added to your income and taxed as per your individual tax slab. 15% 10% over and above Rs. 1 lakh without indexation (LTCG >1 year) Debt Listed At the tax slab rate of the...
How does IndiaP2P offer such high returns with low risk?
How does IndiaP2P offer such high returns with low risk? IndiaP2P’s first-of-its-kind return-risk profile is the result of a unique yet large arbitrage opportunity that exists in the debt markets of emerging economies such as India. First, let’s recap how the equity and debt markets differ. While retail investors have had access to equity investments for long, debt has been gaining in popularity over the last decade. Read on… We all have come across the terms debt and equity quite often. And while we may use them in the same breath, they are actually quite different. Equity is the process of raising capital by selling a portion of shares from the business. For example, you receive a certain amount of capital infusion in your company in the form of equity. This means that you don't have to repay the amount later. However, the investor receives a portion of shares. Hence, they will receive profits in sync with their...
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