Invest in Listed & Rated Diversified Pool Of Loans

  • Earn upto 13% Pre-Tax IRR
  • RBI and SEBI Compliant Structure
₹ 6 Cr+
Investments Enabled
₹ 2,00,000
Minimum Investment
What is LoanX
  • LoanX is a regulated, rated, and listed investment option that enables investors to tap into a diversified pool of loans to various individuals, businesses or other entities and receive regular returns. These loans are originated and serviced by an RBI regulated NBFC 

  • This investment instrument is enabled through a process called ‘Securitization’. CRISIL estimates that NBFCs raised 1.8 lakh crore (1 followed by 12 zeros!) via securitisation in FY'23. All of these investments were made by just 100 investors consisting largely of foreign, private, and public sector banks!

Fixed Deposit
upto 17%
End of Life
Predictable Returns
Security Cover

Partner Curation and Due Diligence

How we evaluate LoanX investment opportunities


Corporate Profile of Originator

Assessment of originator’s track record, founders/promoters, management team (CXOs), any prior or ongoing litigation. Also undertake reference checks with key investors or shareholders, industry peers and competitors, and key customers


Underlying Loans Quality

Ensure that underlying assets in these opportunities entail a pool of loan receivables meeting certain pre-determined criteria. Analysis of the pool to ensure that it complies with RBI and SEBI regulations and meets identified credit quality thresholds


Security Package

Ensure that the security package (comprising cash collateral, etc.) is commercially reasonable based on the risk and reward of the opportunity and market standards. Each opportunity will be rated by a tier-1 credit rating agency that conducts a thorough c

How to Invest?

It’s really simple with Grip

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Investment Process
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Explore curated investment opportunities process

your deal

Unique investment opportunities qualified through rigorous due diligence


Complete KYC and investment process


Seamless digital KYC, e-sign and payment experience


Receive returns as per pre-determined schedule

Returns per

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

Why Invest In LoanX?
  • This instrument gives investors the opportunity to invest in a diversified pool of loans and generate fixed non-market-linked returns of up to 13% pre-tax IRR
  • It is listed on BSE/ NSE and is issued in accordance with established RBI and SEBI frameworks
  • It is held in investors’ demat accounts and returns are received directly in their bank accounts
  • It is a credit-rated fixed-income instrument providing increased transparency and easier understanding of risk
  • It is monitored by an independent SEBI registered trustee. Additionally, to cover any delay or shortfall in payments, a security cover which includes over-collateralization and cash collateral has been built-in

For your knowledge

Risks Involved

  • Investment in LoanX opportunities are not risk free. Grip does not guarantee that an investor will make money, avoid losing capital, indicate that the investment is risk-free, or guarantee that the returns on any investment.
  • Information provided on any opportunity is based on publicly available information and disclosures made by originators. Grip does not independently audit the information provided. Please go through the rating rationale and our risk factors.

To help you

Frequently Asked Questions

What is LoanX?

LoanX is an investment opportunity structured in the form of a Pass-Through Certificate (PTC), which is a fixed-income instrument issued in accordance with RBI and SEBI frameworks. LoanX offers PTCs secured by a pool of individual or MSME business loans. These PTCs are listed and rated by a credit rating agency. Investors are provided with fixed monthly payouts in the form of interest and/or principal. For risk mitigation, all cash flows are managed by a SEBI registered trustee.
LoanX is in the form of PTC and is a tradable listed instrument held in dematerialised form, i.e., it offers a similar experience to buying, holding, and selling a bond. However, ability to find a buyer is not guaranteed by Grip and the investor could expect to hold the instruments until maturity.
LoanX (in PTC format) is an RBI and SEBI compliant,rated instrument, which is managed by an independent, SEBI-registered trustee. The returns in LoanX originate from a pool of loan receivables. The security package of LoanX consists of over-collateralization, cash collateral, and excess interest spread (EIS): Over-collateralization refers to having loans worth INR (100+x) as collateral, against an investment of INR 100. So, if in an opportunity, over-collateralization is 10%, then it has loans worth INR 110 as collateral, against INR 100 investment. Cash collateral is in the form of an upfront fixed deposit by the originator EIS is the difference between the interest amounts received on the pool of loans receivables, and the interest payable to investors
Only the interest payout is expected to be taxed at the marginal tax rate of the individual investor; no tax should be payable on the principal repayment. Appreciation (if any) of the price of the PTC, in case of sale prior to the full tenure, is expected to be considered as capital gain and taxed accordingly. Please do not consider this as tax advice. We urge you to speak with your independent tax advisor.

Yes, RBI and SEBI have mandated KYC requirements for the purchase of the PTCs to prevent money laundering activities

No. It is mandated that the funds must be transferred from the bank account held in the name of the investor


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