Here's how Per Annum is helping Indians earn fixed and stable returns in a volatile market

‘Bloodbath on Dalal Street’ has been a common headline for the past two weeks. Crypto, equity, bonds and other market-driven investments have been sending investors scampering to save their hard-earned money in the last fortnight. Such volatility in the stock market has made investors realise the need for diversification in their portfolios. Therefore, more and more investors are now exploring new age fixed and alternative investments offering fixed returns and stability.

To tap into this huge audience of new-age investors looking to get access to products which are immune to the volatility of the stock markets all the while earning a healthy return, many startups have set up camp in the market. However, Per Annum is fast becoming a popular choice of Indian investors for diversifying their portfolios and earning stable and better returns.

Manifesting its tagline “democratizing fixed and alternate investment products for India’s underserved retail investors”, here’s how Per Annum is revolutionizing wealth management for India’s new-age investors,


Live worry-free with low-risk products
Per Annum introduces you to fixed income and alternate investment products beyond FDs, PPF and Bonds. If you are an investor with a low-risk appetite and ambition for high returns, Per Annum allows you access to a large bouquet of extremely low-risk investment products with returns as high as 15%. Unlike traditional investment instruments, these products help you beat the prevailing inflation and prevent value erosion of your assets. Additionally, with a minimum investment of as low as Rs. 50,000 you can approach sophisticated high-quality financial products previously inaccessible with such low investment amounts to the common retail investor.

Diversify your portfolio with a large hamper of products

Smart investors know to never put all their eggs in one basket. Per Annum mitigates the risk to your capital by diversifying your investment across several assets. When you invest with Per Annum, your capital is deployed across a highly curated and filtered list of alternate investment products, filtered through an unmatched risk mitigation mechanism by highly experienced professionals. You get a wide range of investment options, some of which are not even available on any other platform across India. Per Annum also provides its retail investors with a big basket of investment products that were previously available to only institutional investors such as invoice discounting, fractional real estate, asset-backed leasing, startup investing, settlement financing, etc.

Try debt investment in collaboration with Lendbox
In collaboration with Lendbox, Per Annum also provides debt investment products. Per Annum, through Lendbox, enables lending to the top 2% of India’s most creditworthy people. Borrowers on Per Annum are sourced through its Tier 1 partners. These partners are top-order credit risk management companies catering to those with unblemished repayment histories. Investments in Per Annum products will earn interest income which you can choose to reinvest, take advantage of compounding or withdraw directly into your bank accounts. The principal will be credited at the time of withdrawal. Per Annum offers sophisticated products which are fully or partially backed by its product partners for added safety. It follows best-in-industry underwriting practices with stringent cut-offs for credit scores as well as repayment history.

Let the cash flow with easy liquidity via Flexi investment

For those who prefer to always keep cash in hand, Per Annum provides easy liquidity with its Flexi investment scheme. You can earn upto 9.5% return per annum with a minimum investment of Rs. 50,000. There is no minimum tenure so you can withdraw your investment with interest anytime. To add icing to the cake, there are no withdrawal charges or TDS at the time of withdrawal. You can get daily interest credit.

However, if you are in the game for the long haul, you can try Per Annum’s fixed-term investment plan. Here you can earn upto 11% return per annum with a minimum investment of Rs. one lakh. While your money will be locked in for a minimum period of 12 months without any investment fees, there will be no TDS on withdrawal. You can choose to get a monthly interest payout too.

Build backups with Alternative Investment Products
Per Annum will also introduce additional fixed income and alternative asset classes such as digital gold, asset-backed leasing, fractional real estate, invoice financing, and start-up financing among many others in the near future.

This is how Per Annum is transforming wealth investment for India’s underserved retail investors. If you need help getting started, managing your portfolio or if you’re wondering whether Per Annum is what you need, click here.

Disclaimer: This article has been produced on behalf of Lendbox and Per Annum by Times Internet’s Spotlight team.