Jiraaf is an online platform that facilitates fixed-income investments in listed corporate bonds, sovereign gold bonds, and treasury bills, allowing individual investors to diversify their portfolios beyond traditional equity and fixed deposit options. By providing access to risk-assessed investment opportunities with minimum investments starting at ₹1,000 and potential returns up to 18%, Jiraaf addresses the need for accessible, transparent, and higher-yielding investment alternatives.
Funding
$16.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
HPFounders
Product
Problem
Individual investors often lack access to fixed-income investment options beyond traditional equities and fixed deposits, limiting portfolio diversification and potential returns. Many fixed-income products have high minimum investment amounts and complex market availability, creating barriers to entry for retail investors.
Solution
Jiraaf is an online bond platform that provides individual investors with access to a range of fixed-income investments, including listed corporate bonds, sovereign gold bonds, treasury bills, and government securities. The platform offers risk-assessed investment opportunities with low minimum investments, enabling investors to diversify their portfolios and achieve higher yields. Jiraaf conducts due diligence on investment opportunities, working with select borrowers to facilitate a diversified fixed-income portfolio. The platform adheres to SEBI guidelines, ensuring transparency in trading and payments through regulated clearing houses.
Target Audience
Jiraaf primarily targets individual investors seeking to diversify their portfolios with fixed-income investments, offering an alternative to traditional options like equities and fixed deposits.
Features
- Access to listed corporate bonds, sovereign gold bonds, treasury bills, and government securities (G-Secs) & SDLs
- Investments starting from as low as ₹1,000
- Potential returns up to 18%
- Risk assessment and monitoring for each investment opportunity
- SEBI-regulated sales process for bonds, enhancing transparency
- Credit ratings provided by SEBI-regulated external credit rating agencies
- Debenture Trustees, SEBI-regulated entities, protect bondholder interests
- Online KYC process for easy account setup