Introducing Per Annum


India’s premier alternate and fixed income investment platform.

Brought to you by the team that introduced and built Lendbox, India’s leading debt 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

how it works

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 wil 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

 
Annual Returns
Risk Level
Liquidity
Lock-In
Volatility
Taxation
 
Per Annum

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,

Our Partners

uni

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.

freopay

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.

Coming Soon

Be a part of an Investment Revolution

India’s premier alternate and fixed investment platform. More offerings coming soon!

Digital Gold

Digital Gold

Asset Backed Leasing

Asset Backed
Leasing

Fractional Real Estate

Fractional Real
Estate

Invoice Financing

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.