Investing in fixed-income platforms has been an eye-opening experience. Over the past six months, I’ve invested over ₹40 lakh across platforms like Grip Invest, AltGraaf, and Wint — and I’ve learned a lot along the way. In this blog, I’ll share my portfolio performance, repayment experiences, emerging issues, and what I plan to do next. If you’re exploring these platforms, this might save you some time (and headaches)!
📊 My Investment Breakdown
I spread my investments across three platforms, each offering unique fixed-income opportunities:
- Grip Invest: Corporate Listed Bonds, SDIs and Asset Leasing.
- AltGraaf: Invoice discounting (secured & unsecured)
- Wint: Corporate Listed bonds (though my allocation here is smaller due to slightly lower yields compared to Grip)
Here’s how my investments look:
- Grip Invest: ₹25 lakh+ across 3 accounts, average IRR: 12–13.3%.
- AltGraaf: ₹25 lakh across family accounts, 11.5–14% returns.
- Wint: ₹2–3 lakh (lower allocation due to better yields with Grip)
Across all platforms, I’ve experienced zero defaults and on-time repayments!
🟩 Portfolio Performance & Returns
In Grip Invest, I have invested mainly in SDIs because the Yields are better there and as per Grip’s team the safety of SDI is better than similar rated Bond (i am trusting them on this).
In Altgraaf, majority of my allocation is to secured Invoice Discounting. When I started, I invested in high yield unsecured deals, but now I know better. I was lucky that none of deals had delay or defaults. My target here is 70% secured with target IRR of 11% and 30% unsecured with target IRR of 13%.
On Grip, I also experimented with high-risk asset leasing — like ₹5 lakh in BlueSmart at 21.5% IRR. While the returns look enticing, these carry significant risk, so I tread carefully.
🔑 Detailed Platform Comparison
| Platform | Total Investment | Repaid Amount | Average IRR | Investment Type |
|---|---|---|---|---|
| Grip Invest | ₹25 lakh+ | ₹6–7 lakh | 12–13.3% | Corporate Bonds, Leasing |
| AltGraaf | ₹25 lakh+ | ₹8–9 lakh | 11.5–14% | Invoice Discounting |
| Wint | ₹2–3 lakh | ₹50,000–₹1 lakh | 10–11% | Corporate Bonds |
By breaking down the numbers like this, it’s easier to see where returns are concentrated and which platforms might suit different risk appetites.
🚩 Emerging Issues: The Hidden Drag on Returns
Despite the positive performance, I’ve noticed a crucial issue: repayment reinvestment. Fixed-income platforms return repayments in chunks, sometimes as small as ₹10,000. If you don’t reinvest these amounts quickly and efficiently, your effective returns drop sharply.
For example, a fellow investor shared his calculations: Without timely reinvestments, net returns can fall to 7–8% — far below the advertised 12–14%.
The challenge is time. Manually monitoring repayments and finding new opportunities eats up hours, especially as your corpus grows.
⏳ Reinvestment Example
Imagine you invest ₹10 lakh at a 12% IRR, expecting ₹1.2 lakh in annual returns. But if repayments of ₹10,000 each trickle back and sit idle for months, your actual return might drop to 8–9%. Over 5 years, that’s ₹1.5–2 lakh lost in potential gains on an investment of 10lakhs.
🧠 My Plan to Maximize Returns (Without Losing Time)
I’m exploring ways to automate or streamline the reinvestment process, like:
- Setting Calendar Alerts: Tracking repayment dates to reinvest promptly.
- Platform Tools: Investing more in auto-reinvestment options (Altgraaf)
- Batch Investing: Pooling repayments and reinvesting in larger chunks to avoid fragmentation.
I aim to balance minimizing time spent with consistently achieving 11–12% net returns.
Additionally, I’m experimenting with laddering investments — spreading maturity dates to align repayments, making it easier to reinvest in bulk.
📝 Final Thoughts
I’m still refining my strategy, but fixed-income platforms remain a promising part of my portfolio. If you’re considering these, go in with realistic expectations, stay proactive with repayments, and continually assess risk-reward tradeoffs. Remember, every investment has risks. Higher the returns, higher will be the risks. Invest knowing your risk appetite & only after proper due diligence.
If you’ve tried similar platforms or discovered new investment opportunities, drop a comment or message me — I’d love to learn from your experience!
Stay early, invest well, and have a great day! 🚀
While opening a new account, consider using my affiliate link. It keeps me motivated to make honest unbiased videos & does not affect your returns.
- GRIP: https://www.gripinvest.in/?partner_id=BHI00037IFA
- ALTGRAAF: https://www.altgraaf.com/signup?referrer=BH8922 or code BH8922
- GULLAK: https://gullakapp.page.link/8gko2fEsizExNmUa8 or code 30Y99M
- STABLE MONEY: https://stablemoney.onelink.me/rkWL/gna3l51v
DISCLAIMER: This blog is not an investment recommendation. Its purpose is not to promote or demote any company or investment. Its purpose to share personal experience in unbiased form so other fellow investors can learn & take better informed decision for themselves. I am not a registered financial professional. For any investment advise, please take help from a registered Financial Professional.