Introducing Per Annum
India’s premier alternate and fixed income investment platform.
Earn up to 11% p.a., minimum investment ₹50,000.
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How it works
This is how your funds will earn you more per annum
When you invest with us, your capital is deployed across a highly curated and filtered list of alternate investment products
Your investment, your way
Flexible investment horizons
Fixed-term investment
Your investment will be locked in for the duration of your choosing, efficiently compounding your returns
Earn up to 11% per annum
Minimum tenure of 12 months
Minimum investment of ₹1 lakh, maximum ₹50L
No TDS on withdrawal
No Investment Fee
Monthly Interest Payout (Optional)
Flexi investment
For those who want to keep their money invested with adequate liquidity. You can withdraw your investment with interest anytime
Earn up to 9.5% per annum
Minimum investment of ₹50,000
No minimum tenure
No TDS on withdrawal
ZERO deposit or withdrawal charges
Daily Interest Credit
Amount
₹5,00,000
Investment Horizon
Fixed-term
Flexi
Maturity Amount
₹5,04,167
Get access to products previously inaccessible to India’s retail investors
Invest in a highly curated list of alternate assets, filtered through an unmatched risk mitigation mechanism by highly experienced professionals.
About Per Annum
Per Annum is building India’s largest platform for alternate and fixed income investments, unlocking a large basket of investment products previously unavailable to the Indian retail investor.
Our goal is to introduce the Indian retail investor to products beyond the age old, fixed income products which barely beat the prevailing inflation rate. It is time that the Indian investor gets access to products which are immune to the volatility of the stock markets all the while earning a healthy return of up to 9%-15%.
India's Next Break-through
Investment Product
Up to 11%
Very Low
Very High
No Lock In (Flexi Plan)
12 Months (Fixed Plan)
Very Low
No TDS**
Mutual
Funds
5 - 15%*
Medium
High
Depends On Scheme
Medium
Capital Gains
Lease/Invoice
Financing
5 - 15%
Medium
High
Depends On Scheme
Medium
TDS Deducted
Fixed
Deposits
5 - 8%
Very Low
Low
As Per Tenure
None
TDS Deducted
Bonds
5 - 8%
Very Low - Medium
Very Low
5 - 10 Years
None
Capital Gains
**No TDS, income is to be declared by investor as Income from other sources.
*Historically 5-8% for Debt based funds and 10-15% for equity based funds.
Above mentioned data is sourced from reputed media publishers,
Still confused! Talk to our experts
Ask questions ranging from where will my money be invested all the way up to how safe is Per Annum.
Our Partners
Your capital is steered towards financing credit limits issued by UNI. The cards are issued to extremely creditworthy borrowers. The company ensures stringent screening of borrowers and helps in collection efforts.
Your investments are directed towards the financing of credit lines issued by Freopay, which is one of India’s leading fintech startups. Freopay ensures stringent screening and helps in collection efforts.
Snapmint is an Online Shopping destination, providing innovative forms of credit to its users. You capital is steered towards financing of credit requirements.
Your investments are directed towards the financing of Working capital and personal loans issued by Rapipay, which is a leading digital banking platform.
Mobikwik, one of the largest mobile wallets and BNPL players in India, is an Esteemed Per Annum partner. Your capital is steered towards financing of Mobikwik BNPL products.
Capital Trust intends to empower the underprivileged communities. Your capital will be deployed to provide business loans to micro entrepreneurs.
Khatabook aims to empower merchants by simplifying their business. Your investments will be utilised to help MSMEs go digital.
Branch International, has served 4M+ users across the world. It is expanding in India and will deploy your funds to deliver world-class financial services to the mobile generation.
Coming Soon
Be a part of an Investment Revolution
India’s premier alternate and fixed investment platform. More offerings coming soon!
Digital Gold
Asset Backed
Leasing
Fractional Real
Estate
Invoice
Financing
Any questions?
If you need help getting started, managing your portfolio or if you’re wondering whether Per Annum is the right choice for you, these frequently asked questions may help.
What is Per Annum? How is it different from Lendbox?
Per Annum is an offshoot of our original investing platform, Lendbox. At Per Annum, we enable lending to the top 2% of India’s most creditworthy people. Borrowers on Per Annum are sourced through our Tier 1 partners. These companies are top-order credit risk managers catering to those with unblemished repayment histories. Investments in Per Annum products will earn interest income which the investors can choose to reinvest, take advantage of compounding or withdraw directly into their bank accounts. The principal will be credited at the time of withdrawal. The Lendbox platform will continue to operate as it always has, with a blend of investment products offering returns that vary with degrees of risk.
What risk mitigation measures does Per Annum have in place?
Per Annum follows best-in-industry underwriting practices with stringent cut-offs for credit scores as well as repayment history. On average, borrowers accepted for financing via Per Annum have a credit score of 780 or above with regular repayment histories spanning 5+ years. Our Partners, who aid us with loan collection in addition to risk assessment, also have on-ground fleets of collection agents in all cities where their borrowers reside. Alternative data, income and spending behaviour are other important parameters while assessing borrowers for Per Annum.
Does Per Annum guarantee my investments? What if there are delays or defaults?
No. In accordance with RBI master directions, Per Annum cannot guarantee or secure their investors’ returns. All investments are subject to actual repayment performance of the loan. Lendbox enters into service agreements with all its partners, specifying the details of partnership terms, including the responsibility of loan collection, which lies with the Partner. If the Partner fails to provide any service as written in the agreement, we are within our lawful rights to take legal action against such Partners. Monetary compensation might be sought in the event of non-fulfilment of any term of the agreement, including the failure to collect loan repayments.
I chose 12 months as my investment tenure, but I want to withdraw earlier. How can I?
Under our Fixed investment plan, your funds will be locked in for a minimum of 12 months, and a maximum of 36 months. We will be unable to liquidate your funds before 12 months. For exceptional or emergency circumstances, please contact your relationship manager to discuss liquidation options subject to an exit load.