Invest in Listed & Rated Diversified Pool Of Loans
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.
Partner Curation and Due Diligence
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.
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
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?
- 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.
For your knowledge
To help you
Frequently Asked Questions
Is LoanX tradable?
How is LoanX secured?
What is the tax applicable on my return?
Is it compulsory to do KYC for LoanX investment?
Yes, RBI and SEBI mandate KYC requirements for purchasing PTCs to prevent money laundering activities.
Is it okay if I transfer the funds from someone else’s account?
No, funds must be transferred from a bank account held in the name of the investor to comply with regulatory requirements.
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