LoanX

Invest in Listed & Rated Diversified Pool Of Loans

grip
  • Earn upto 13% Pre-Tax IRR
  • RBI and SEBI Compliant Structure
AT A GLANCE
LoanX
₹ 6 Cr+
Investments Enabled
100+
Investors
₹ 2,00,000
Minimum Investment
ABOUT LOANX
What is LoanX
  • LoanX is a SEBI-regulated and rated investment opportunity allowing investors to invest in a diversified pool of loans with fixed returns. These loans are issued by RBI-regulated NBFCs to MSMEs, businesses, and individuals. The NBFCs, typically 10-15 years old with strong underwriting and risk management processes, must adhere to RBI criteria for loan selection.

  • Purpose: Lending money to NBFCs by investing in loan pools that pay fixed returns through interest and principal payments.

  • Payments: LoanX has a maturity date, with monthly or quarterly interest and principal payments at a predetermined rate.

  • Safety: LoanX opportunities are secured by cash collateral, overall collateralization, and excess interest spread, making them relatively safer than P2P lending.

  • Credit Ratings: Independent rating agencies like CRISIL, ICRA, CARE, etc. assess financial health of the NBFC and quality of the pool to assign credit ratings, with higher ratings indicating lower risk.

gripFDworks
LoanX
fdWorks
P2P
IRR%
Up to 13%
Up to 11%
Regulated
RBI and SEBI
RBI
Rating
Investment Grade*
Not Rated
Security Cover
Yes
No
Diversification
High
Medium
Payment Frequency
Monthly/Quarterly
At Maturity

Partner Curation and Due Diligence

How Grip evaluate LoanX investment opportunities

Financials.svg

Corporate Profile of Originator/NBFC

Every LoanX opportunity undergoes a rigorous assessment, including but not limited to evaluating the originator's track record, financial and operational performance, asset quality, quality of the management team, etc.

AssetQuality.svg

Underlying Loans Quality

For every LoanX opportunity, a select pool of loans from established NBFCs, typically 10-15 years old, with strong risk management processes, is carefully shortlisted based on criteria such as bureau scores, vintage, ticket size, geographical concentratio

CP.svg

Security and Risk Assessment

LoanX includes safety features such as cash collateral, over-collateralization, and excess interest spread. Each opportunity is also rated by top credit rating agencies like ICRA, CRISIL, and CARE, ensuring thorough risk evaluation.

How to Invest?

It’s really simple with Grip

Find Your Deal
Investment Process
Visualize Returns
01.

Explore curated investment opportunities process

Find
your deal

Unique investment opportunities qualified through rigorous due diligence

02.

Complete KYC and investment process

Complete
KYC &
Investment

Seamless digital KYC, e-sign and payment experience

03.

Receive returns as per pre-determined schedule

Returns per
pre-decided
schedule

For fixed income products, receive monthly/ quarterly returns in your bank account

REASONS AND BENEFITS
Why Invest In LoanX?
  • Attractive Returns: Earn fixed, non-market-linked returns of up to 13% pre-tax IRR by investing in a diversified pool of loans.
  • Regulated and Listed: LoanX opportunities comply with RBI and SEBI frameworks for investor protection.
  • Secure and Convenient: Investments are held in a demat account, with returns directly credited to your bank account.
  • Transparent and Credit-Rated: LoanX is a credit-rated fixed-income instrument, offering high returns and increased transparency compared to peer-to-peer lending.
  • Independent Monitoring: A SEBI-registered trustee oversees LoanX, ensuring security cover can be evoked to address payment delays or shortfalls.
grip

For your knowledge

Risks Involved

  • Investment Risk: Investing in LoanX opportunities carries inherent risks. Grip does not guarantee profit, capital preservation, or risk-free investments, nor can it assure returns.
  • Information Accuracy: The information provided on any opportunity is based on publicly available data and disclosures from originators. Investors are encouraged to review the rating rationale and thoroughly understand the associated risk factors before investing.

To help you

Frequently Asked Questions

What is LoanX?

LoanX is an investment opportunity structured as a SDI , a fixed-income instrument issued in accordance with RBI and with SEBI frameworks (for listed opportunities). LoanX offers PTCs secured by a pool of loans such as MSME business loans, microfinance loans, joint liability group loans, loan against property (LAP), vehicle loans, etc., and is rated by a credit rating agency. Investors receive fixed monthly/quarterly payouts in the form of interest and/or principal. To mitigate risks, all cash flows are managed by a SEBI-registered trustee.
Yes, LoanX is a tradable listed instrument held in dematerialized form, similar to buying, holding, and selling a bond. However, Grip does not guarantee the ability to find a buyer, so investors should be prepared to hold the instruments until maturity.
LoanX is an RBI and SEBI-complaint, credit-rated instrument managed by an independent SEBI-registered trustee. Returns are generated from a pool of loan receivables. The security package includes over-collateralization, cash collateral, and excess interest spread (EIS). Over-collateralization means having loans worth more than the investment amount as collateral (e.g., loans worth INR 110 for an INR 100 investment if over-collateralization is 10%). Cash collateral involves an upfront fixed deposit by the originator. EIS is the difference between the interest received on the loan pool and the interest payable to investors.
The interest payout is taxed at the individual investor's marginal tax rate, while no tax is payable on principal repayments. Any appreciation in the price of the PTC upon sale before maturity is considered a capital gain and taxed accordingly. This is not tax advice; please consult your independent tax advisor for personalised guidance.

Yes, RBI and SEBI mandate KYC requirements for purchasing PTCs to prevent money laundering activities.

No, funds must be transferred from a bank account held in the name of the investor to comply with regulatory requirements.

OTHER OFFERINGS

Other Assets for you