Assured Return Product - Liquiloans

ICRA Rated Provisional AA- (SO)
It’s Fintech company, founded in 2018 & Regulated by RBI, having PAN India presence. They are having more than 1500+ Distributor across India.

About Product:

• It’s Pure Retail Debt Asset Class Product.
• High Yield & Safe Fixed Income Investment
• Exposure across Avg. 200+ Names
• Inflation beating Return: Upto 10.50% Net Return
• Word’s 1st P2P Product: Peet to Peer

Unique points.

• Easy Liquidity
• Monthly Income Generation
• Schemes available for short as well as long term Goals
• No Counter party risk
• Exposure only to safest – CIBIL Score above 700+
• No Correlation to interest rate
• No entry charges by the Product Manager
• Easy Liquidity
• Less Capital Risk – High Certainty & Margin of Safety
• No NPA to Investors
• More than 696000 Borrowers

Investment Schemes
Value of Investment

• Minimum Amt – Rs. 10 Thousand
• Maximum Amount: Rs. 50 Lacs Per PAN
  • CA Certified Net Worth Certificate above 10 lacs investment – As per RBI Requirement

Prime Borrower Sourcing Category

• Upskilling Education Financing
• Discretionary HealthCare Financing
• Fintech Partnership
• Home Decor

Sourcing Criteria

• No Cost EMI Loans
• Avg Bureau Score: 700+
• Avg Annual Income : 9 lacs+
• Avg Loan Tenure : 12 months
• Avg Loan Value : Rs.50,000

Evaluation Process

• Stringent Credit Checks: CIBIL
• Back Ground Check: Education & Profession
• Banking Check: Statement Analysis
• Location: Tier I & II
• Why Does Borrower Repay
• Auto Debit Mandate
• Sec.25 – Payment & Settlement Systems - Criminal Proceeding
• CIBIL Impact: Defaulter Tag