Introducing Infinite: Let Your Bond Returns Compound Automatically
What if your monthly interest from Bonds and SDIs did not just land in your account but kept growing, month after month?
That’s the promise of Infinite, a revolutionary way to make bond investing smarter, automated, and more rewarding.
Infinite – The Power Of Compounding. On Autopilot.
Let’s say you invest in a top-rated corporate bond and earn INR 1,000 in monthly interest. Normally, that money sits in your bank account unless you manually reinvest it. Most times, you may forget, or it may take a long time before you reinvest.
With Infinite, your earnings are automatically and instantly reinvested into debt or arbitrage mutual funds of your choice, ensuring your money keeps working without any action from you.
No idle cash. No guesswork. Just seamless compounding and consistent wealth creation, powered by a smart loop between bonds and mutual funds. But before this, let’s first understand how it started.
The Challenge Of Fixed-Income Investing
Fixed-income products offer stability, but often fall short of equity-like returns. Why?
1. Monthly Interest That Does Not Grow
Imagine investing INR 5 lakh in a bond offering 8% annual interest, INR 3,300 each month. But unless reinvested, that cash just sits idle, missing out on potential returns.
2. Small Amounts Are Hard To Reinvest
Multiple bond investments often result in scattered, small monthly payouts. These are hard to track and usually remain unused.
3. Diversification Is Important
Reinvesting in the same bond repeatedly can increase concentration risk and limit portfolio flexibility.
Instead, reinvestment should be used as an opportunity to diversify across assets, helping reduce risk and enhance long-term returns.
Meet Infinite: Your Interest Now Compounds Automatically
Infinite addresses these challenges through a seamless, auto-compounding system:
1. One-Time Setup. Continuous Growth.
With Infinite, the interest earned from your Bond or SDI is automatically redirected into a Systematic Investment Plan (SIP) in debt or arbitrage mutual funds. These funds invest in low-risk instruments like government securities, corporate bonds, treasury bills, or an equity arbitrage portfolio.
Over time, even small monthly inflows compound into significant wealth.
For example:
An INR 1 lakh bond with a 12% annual return generates INR 1,000/month. With Infinite, this is automatically invested into a SIP, helping you build wealth without lifting a finger.
2. A Compounding Loop Without Manual Work
Once the SIP investment grows, that accumulated amount can be reinvested back into new Bonds or SDIs. The cycle repeats.
This creates an infinite loop of compounding, without the need for tracking maturity dates, setting reminders, or making reinvestment decisions. You also have the flexibility to withdraw the mutual fund at any time for your expenses or other investments.
Key Benefits Of Infinite
1. Higher Returns
Your monthly payouts don’t sit idle; they are put to work immediately. This auto-compounding can enhance your returns by up to 30% over time.
2. Auto-Reinvestment Strategy
As soon as interest hits your account, Infinite redirects it into a SIP, maximising capital efficiency with zero lag.
3. Diversification Without Effort
Your SIP is spread across various debt instruments, government, corporate, short-term bonds, and arbitrage portfolios, leading to reduced risk.
4. On-Demand Liquidity
Unlike traditional FDs or locked-in bonds, you can withdraw your SIP investment anytime, giving you both flexibility and safety.
Steps To Activate Infinite On Grip
Activating Infinite for your bonds and SDI investments with monthly returns is simple and seamless. Just follow the steps below:
Note: Infinite is available only for investments with more than 60 days left in tenure, monthly returns, at least three upcoming cashflows, and an average return (excluding the last payout) greater than INR 100.
Step 1: Open the Grip App and tap on the Discover tab. Scroll down and click on the “Activate Infinite” button.
Step 2: A new screen will appear with details about Infinite. Scroll down to view the list of eligible deals.
Step 3: Select the bond or SDI you have already invested in, offering monthly returns.
Step 4: Choose the mutual fund where you want your monthly returns to be reinvested. If you wish to change it, tap on the “Change” button to browse and select another available mutual fund.
Step 5: After selecting your mutual fund, click on “Reinvestment Info” to view the monthly return amount and the corresponding SIP investment details.
Step 6: Review all the details, then click on “Activate Infinite”. You will be prompted to enter an OTP for verification. Verify it with the OTP to proceed.
Step 7: Make a payment of INR 1 via UPI to activate the mandate. Ensure you use the same UPI-linked bank account provided in your KYC to avoid payment rejection.
Step 8: Once the mandate is completed, the Infinite will get activated for the selected deal. To verify the setup, go to your Portfolio and tap on “My SIPs”. You will find the mutual fund where Infinite has been activated.
And that is it! Your monthly returns will now be automatically invested into your chosen mutual fund. Over time, the accumulated amount can be used to invest in new Bonds or SDIs directly on the Grip platform, thus creating a powerful cycle of auto-compounding.
Note: You can also activate Infinite directly from the Portfolio > My Holdings section. Just select the relevant deal, tap on the three dots next to it, and choose “Activate Infinite.”
Conclusion
Fixed-income investments are reliable, but Infinite makes them smarter. Through automated reinvestment, built-in diversification, and the power of compounding, you can unlock the full potential of your monthly bond earnings.
Start investing through Infinite and grow your money on autopilot. Register Now.
Frequently Asked Questions
- How do I track my SIPs once Infinite is activated?
Once Infinite is activated, you can track your SIPs by going to the “Portfolio” section in the Grip app and tapping on “My SIPs.” Here, you'll see the mutual fund selected under Infinite and the investment details, including monthly inflows. - Is Infinite available on all bonds and SDIs?
No, Infinite is available currently only on Bonds and SDIs that offer monthly returns. You can check eligible deals within the Grip app under the Infinite section. - Can I activate Infinite on multiple bonds at the same time?
Yes, you can activate Infinite on multiple bonds, as long as each bond offers monthly returns. Only such deals are eligible for auto-compounding through SIP.
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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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