Grip At 5: How We Redefined Investing With Innovation And Trust
Chapter 1: The Genesis - Why Grip Was Born
2020-2022: The Vision Takes Shape
Until recently, investing in high quality fixed income products in India felt like navigating a maze. The process was complex, intimidating, and out of reach for the majority of retail investors.
From high minimum investment amounts to limited transparency and very little liquidity in the secondary market, bonds and other investment-grade debt instruments remained an insider’s game. Most individuals stuck to fixed deposits, not because they offered great returns, but because they were simple, familiar, and easy to access.
This gap left a generation of investors settling for less, not due to a lack of interest, but because of limited access and clarity.
Grip Invest was created to change that.
By offering opportunities with minimum investment amounts of just INR 100, integrating with the stock exchange, and simplifying the entire investment process, Grip has opened the door to smarter, safer fixed-income opportunities. Our vision was simple – make fixed-income investing as accessible, transparent, and efficient as buying a stock.
And that vision is now shaping the future of India’s bond market.
Chapter 2 : Breaking Barriers – Democratizing Fixed-Income
2022-2023: Laying the Foundation
Grip began its journey by launching lease and inventory financing, and took a significant step forward by listing India’s first Securitised Debt Instrument (SDI), “LeaseX,” on the NSE in October 2022. This bold step was more than just a product launch; it was a move that made regulated, high-yield fixed-income opportunities in the Indian market accessible to a wider range of investors.
By introducing SDIs, Grip allowed both new and experienced investors to diversify their portfolios with secure and transparent fixed-income products, signalling a shift toward more inclusive and innovative investment solutions.
In September 2023, Grip became India’s first SEBI-regulated Online Bond Platform Provider (OBPP), marking a major milestone in the evolution of fixed-income investing. This move introduced a new level of structure, transparency, and investor protection to the bond market.
These early initiatives were not just about expanding Grip’s product lineup but also about shaping a more dynamic and investor-friendly fixed income market in India.
Grip focused on simplicity, access, and trust, helping everyday investors explore new possibilities beyond the traditional investment options.
Here is how we broke a few barriers along our journey:
| Barrier | Before Grip | After Grip |
| High Minimum investment | INR 10 lakh+ for SDIs and private bond | Starts at just INR 10,000 for high-yield debt instruments |
| Limited Access | Restricted to institutions and HNIs | Open to all retail investors |
| Low Transparency In Fixed Income Investing | Low clarity on risks and returns | Clear terms and full issuer information |
| Less Liquidity In Bond Investing | Lock-ins, no early exits | Early exit options and access to the secondary market |
| Product Complexity | Complex and jargon-heavy | Easy-to-understand, retail-friendly products |
| Unregulated Products | Unregulated or scattered sources | Integrated with SEBI and RBI platforms |
| Limited Options in Fixed Income | Mostly FDs, PPF, Post Office Schemes etc. | Wider access to listed bonds, SDIs, asset-backed financing, and more. |
Our journey has also been backed by some of India’s most respected investors who believe in our mission to democratise fixed-income investing.
Testimonial From a Grip User-
“I always thought fixed income investing was only for big players with deep pockets. Grip completely changed that for me. I started small, understood the risks clearly, and gradually built a portfolio that gives me steady returns without the daily stress of market swings. It's simple, transparent, and actually made me feel in control of my money for the first time.” - Rohit Mehra, 34, Mumbai
Chapter 3: Innovation in Action – Building For The Future
2023-2024: Expanding Features and Access
Retail investors have often faced challenges with unclear pricing and limited visibility when buying bonds, making it difficult to know if they were getting a fair deal. To address these issues, Grip became the first OBPP platform to implement the Request for Quote (RFQ) mechanism in October 2023.
This move allows investors to receive live price quotes from multiple market participants, bringing a new level of transparency and reliability to the bond-buying process.
With the RFQ system, investors benefit from:
- Increased transparency and reliability: All securities are listed with real-time price quotes, helping investors make market-aligned decisions with confidence.
- Reduced settlement time: The time required for securities to reflect in the investor’s Demat account is just one day, streamlining the process.
- Increased convenience: Investors can conveniently and securely make payments for purchases by directly transferring funds to the exchange through payment gateways.
- Multiple payment options: The platform supports various payment methods, including UPI, Net Banking, NEFT, and RTGS, enhancing flexibility and ease of transaction
In July 2024, Grip introduced India’s first privately placed INR 10,000 bond, a significant step in making fixed income investing truly accessible to retail investors. This move allowed individuals to start investing in bonds with a much smaller ticket size, opening the door to better risk-adjusted returns without needing large amounts of capital.
Following that, Grip launched After Market Orders(AMO), enabling investors to place orders for fixed income investments in bonds and SDIs, even beyond regular trading hours. This added flexibility made it easier for working professionals and first-time investors to participate in fixed income markets at their convenience, further aligning bond investing with the ease and accessibility of equity markets.
These milestones pushed fixed income investing closer to how equity markets operate, more flexible, transparent, and accessible. For retail investors, this meant greater control, better liquidity, and a smoother bond investment experience.
Case Study: How AMO Helped Naveen Invest Without Disrupting His Workday
Profile: Naveen Kumar, a working professional from Bengaluru, Karnataka, actively invests in bonds and SDIs through Grip Invest.
Challenge: With a busy professional schedule, Naveen found it difficult to align his investment decisions with regular market hours, often delaying actions due to timing constraints.
Solution – AMO on Grip Invest: The After Market Order (AMO) feature changed his experience. It allowed Naveen to place investment orders at his convenience, outside market hours, without rushing or compromising on planning. Now, he can invest even on weekends and holidays. This allows him to properly research and select the right investment opportunity according to his financial goals.
Outcome:
- Smooth investing experience with no need to track market timings.
- Seamless payment and automatic credit of units to his Demat account.
- Greater control over both his professional routine and financial goals.
Testimonial:
"The AMO feature has been very convenient. I can invest anytime without waiting for markets to open. It helps me manage both my work and investments effortlessly." LinkedIn Link
Chapter 4: Scaling New Heights - The Marketplace Era
2024-2025: Exponential Growth and Community Impact
Grip is not just adding features; it is creating an entirely new experience where fixed income investing feels as flexible, accessible, and rewarding as equity markets.
As the company evolves, the focus has shifted from launching individual features to reimagining the entire investor experience. What was once a platform to explore curated fixed income options is now shaping into a dynamic, self-sustaining marketplace; one that mirrors the fluidity and autonomy of equity markets, but for bonds.
At the heart of this transformation lies a simple promise: make bond investing feel effortless, accessible, and empowering for every Indian retail investor. This isn’t just a tech upgrade, it’s a mindset shift.
This new era is defined not by what Grip has added, but by what investors can now do, diversify, rebalance, exit, and discover-on their own terms.
Testimonial From Our Customer:
“Grip has completely changed how I invest. Features like Sell Anytime and Investment Baskets make fixed income feel accessible and flexible. Plus, the growing investor community makes it easier to learn and stay confident.”
Divya Gupta, 39, New Delhi.
Chapter 5: The Road Ahead – Ambition, Inclusion, and Innovation
2025 and Beyond: Vision for the Future
Grip is only at the beginning of its journey. With a bold vision to democratise fixed income investing in India. By scaling access, deepening transparency, and simplifying complex products, the platform is committed to building an inclusive investment ecosystem that puts the retail investor at the centre.
As Grip moves forward, the focus remains clear:
- Expand investor access to high-quality fixed income opportunities
- Strengthen education efforts through content, tools, and community support
- Empower long-term investing with trust, transparency, and simplicity
Whether you are new to fixed income or looking to diversify further, Grip invites you to be part of the next chapter where investing is no longer limited by complexity or capital, but driven by confidence and choice.
“A platform truly built for you, by you. Every investment, every referral, and every piece of feedback has helped shape what we are building. We are just getting started.” — Team Grip
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Disclaimer - Investments in debt securities/municipal debt securities/securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer related documents carefully. The investor is requested to take into consideration all the risk factors before the commencement of trading.
This communication is prepared by Grip Broking Private Limited (bearing SEBI Registration No. INZ000312836 and NSE ID 90319) and/or its affiliate/ group company(ies) (together referred to as “Grip”) and the contents of this disclaimer are applicable to this document and any and all written or oral communication(s) made by Grip or its directors, employees, associates, representatives and agents. This communication does not constitute advice relating to investing or otherwise dealing in securities and is not an offer or solicitation for the purchase or sale of any securities. Grip does not guarantee or assure any return on investments and accepts no liability for consequences of any actions taken based on the information provided. For more details, please visit www.gripinvest.in
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