Numerous app-based trading platforms have entered the market, attracting a large number of new-age investors. One of the standouts in the series is the Per Annum platform, the premier alternative, and fixed income investment platform in India. This one-stop shop is for investors who want a variety of asset options, including those traditionally only available to institutional peers.

Emphasising the core principles of simple and flexible investment portfolios, the platform aims to build a trust-based financial platform for investors who have traditionally opted for bank deposits, term deposits, and PPF holding funds, rather than the lucrative returns offered by stock investments. The complex investment methodology and lack of customizable options discouraged this group from seriously considering portfolios as an alternative investment option.

Per Annum primarily focuses on this underserved group and offers a wide range of portfolio options, focusing on a diverse community of investors ready to invest Rs 50,000-10,000,000 and above. We know there is a large community that is risk-averse and ready for low initial investment, but with a diverse and customized offering, Per Annum aims to provide the right platform for high, sustainable returns.

The platform’s tagline says it all – promoting fixed and alternative investment products for India’s underserved retail investor community. By offering curated options based on your risk appetite and protected by strong risk mitigation mechanisms, this basket allows investments to earn 9-15 per cent per annum.

The Per Annum platform comes from the team behind Lendbox, India’s leading RBI registered NBFC-P2P debt investment platform. With over 50,000 investors and assets under management of over INR 500 crore, Lendbox’s experience in building diversified debt investment products has been used to develop fixed income and alternative asset classes through the Per Annum platform. High quality and consistent returns are at the heart of the platform, putting consumer experience and transparency at the heart of every transaction.

We offer a wide variety of products to spread risk. Some products require a lot of investment from you, resulting in the exclusion of a large number of investors. Per Annum ensures true flexibility by opening up such a premium portfolio to investors investing as low as INR 50,000.

There are two main types of investment assets – Regular investment where you can earn up to 11 per cent per annum with a minimum investment of INR 100,000 for at least 1 year, no TDS and no investment fees for withdrawals. This option is for those who are involved in the long term and effectively increases your returns!

In contrast, the flexible investment route is for those who wish to continue investing on a convenient basis and can exit at any time of interest. Such investments can earn up to 9.5 per cent per annum with a minimum investment of INR 50,000. We believe that investors should always control where their funds are held at any point in time. This is one of Per Annum’s major USPs that sets it apart from its peers!

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In addition, Per Annum seeks to introduce alternative investment categories into the portfolio, such as digital gold, asset-backed leases, select real estate, invoice financing and other start-up financings.