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Jiraaf is a SEBI registered online bond platform. They provide listed fixed income investments across your risk and return spectrum and they are available between 6 to 20% annualized returns for 3 months to 3 years tenure. Jiraaf is an online bond platform designed to facilitate high-yield, fixed-income investments for individual investors. It provides a straightforward, convenient, and secure way to enter the world of digital investment. Jiraaf allows you to invest in a number of digital assets, including Bitcoin, Ethereum, Litecoin, Ripple, and more. This allows you to diversify your investing portfolio while reducing your risk. Jiraaf is recently got the license from SEBI for selling the listed securities like corporate bonds, G-secs, SGB’s, Securitized Debt Instruments and Treasury Bills in the platform.
Jiraaf also has a unique referral programme that rewards you for recommending friends and family to the platform. This is a great method for adding to your income and expand your investment portfolio. The platform focuses on providing risk-adjusted high returns by offering access to a curated selection of high-quality investment opportunities. Through Jiraaf’s user-friendly digital interface, investors can seamlessly explore and participate in these handpicked opportunities, ensuring a streamlined investment experience. Importantly, Jiraaf operates within the regulatory frameworks established by the Securities Exchange Board of India (SEBI) and the Reserve Bank of India (RBI), ensuring compliance and transparency in its operations. With Jiraaf, users can view live market data, create watchlists, and set up automatic alerts. Additionally, users have access to a variety of research tools to help them make informed investing decisions. The platform offers diverse products including treasury bills, corporate bonds, asset leasing and venture debt which allows an investor to build a portfolio between 7% to 18% yield with a tenure ranging from 30 days to 3 years.
Mission of jiraaf
Jiraaf’s mission is to revolutionize wealth creation by democratizing access to curated listed bonds through an easy-to-use online bond platform. The company is dedicated to helping individual investors earn risk-adjusted high returns by providing access to high-quality, curated investment opportunities. Jiraaf believes in empowering investors by offering a platform that simplifies the process of investing in listed bonds, making it accessible to a wider range of individuals. By focusing on curated investment options and prioritizing user-friendly interfaces, Jiraaf aims to create a seamless and rewarding experience for investors seeking to build wealth through fixed-income investments.
Products of jiraaf
| Investment Product | Description | IRR | Tenure |
| Listed Corporate Bonds | Debt securities by governments and corporations. | 8-18% | 12-36 months |
| Sovereign Gold Bonds (SGB) | Government securities with gold investment. | 2.5% (Fixed) + Variable returns | 8 years |
| Treasury Bills (T-Bills) | Money market instruments for short-term financial needs | 6.5-7.5% | 3-12 months |
| Government Securities (G-Secs) and State Development Loans (SDLs). | Long-term bonds for government development. | 7% and above | 5-40 years |
| Structured Debt Instruments (SDIs). | Securities representing ownership in income-generating assets. | 8%-15% | 12-36 months |
How does investment in Jiraaf can make money?
Jiraaf Investments is a private investment company that generates revenue through a variety of investing tactics. The specific methods utilised by the company to earn revenue may differ, but here are a few common ways private investment firms make money:
- Equity investments
Jiraaf may invest in startups or established companies by buying a portion of ownership in exchange for capital. If the company performs well, Jiraaf can sell their stake for a profit.
- Debt investments
Jiraaf may also lend money to companies and earn interest on the loans.
- Real estate investments
Jiraaf may invest in real estate by purchasing properties, renovating them, and then selling them at a higher price. They can also generate income by renting out properties.
- Hedge fund investments
Jiraaf may also manage hedge funds, which are investment vehicles that use a range of strategies to generate returns. The firm earns a management fee for overseeing the fund, as well as a portion of the profits.
Risks in Jiraaf
Investing in Jiraaf, like any other investment opportunity, carries certain risks that investors should be aware of. Here are the risks associated with investing in Jiraaf:
- Market Risk
Market risk refers to the risk of losses due to changes in market conditions, such as economic downturns, interest rate fluctuations, or changes in investor sentiment. In the case of Jiraaf, market risk can impact the value of the investments offered on the platform. Economic uncertainties, market volatility, and geopolitical events can all contribute to market risk.
- Business Risk
Business risk relates to the specific risks associated with Jiraaf’s operations and business model. This includes competition from other investment platforms, changes in regulatory requirements by SEBI (Securities and Exchange Board of India) or RBI (Reserve Bank of India), technological disruptions, management issues, and potential legal or compliance challenges. Any adverse developments in these areas can affect Jiraaf’s ability to generate returns for investors.
- Liquidity Risk
Liquidity risk refers to the risk of not being able to buy or sell assets on Jiraaf quickly and at a fair price. Illiquid investments can lead to challenges in exiting positions, especially during times of market stress or if there is limited demand for the assets. This can impact investors who may need to liquidate their investments to meet financial needs.
- Political Risk
Political risk encompasses changes in government policies, regulations, or political stability that can affect Jiraaf’s business operations and investment opportunities. For example, changes in tax laws, regulatory frameworks governing investment platforms, or geopolitical tensions can create uncertainties and impact investor confidence in Jiraaf.
Along with this, The major risk associated with the transaction is credit risk, which encompasses – company’s financial health, ability to service debt on time, market and economic conditions which can directly/indirectly impact the business. Please read the offer documents carefully before investing.
Founders of Jiraaf
Saurav Ghosh and Vineet Agrawal, the founders of Jiraaf, bring a wealth of experience in corporate finance and real estate to the platform. Saurav Ghosh, with his background in corporate finance, has likely honed his skills in financial analysis, investment strategies, and risk management. His expertise in navigating complex financial landscapes and identifying lucrative investment opportunities contributes significantly to Jiraaf’s ability to offer high-yield alternative investments.On the other hand, Vineet Agrawal’s expertise in real estate brings a deep understanding of property markets, investment trends, and asset management to Jiraaf. His experience in real estate transactions, property development, and investment portfolio management adds valuable insights into the platform’s offerings, particularly in diversifying investment opportunities beyond traditional asset classes like equities and fixed deposits. Together, Saurav Ghosh and Vineet Agrawal leverage their respective strengths and expertise to create a platform like Jiraaf that aims to provide individual investors with access to curated, high-quality investment opportunities that deliver better returns. Their combined decades of experience in finance and real estate form the foundation of Jiraaf’s mission to empower investors and facilitate wealth creation through alternative investments.
Brief About Jiraaf
| Platform Name | Jiraaf |
| Founders | Saurav Ghosh and Vineet Agarwal |
| Year Founded | 2021 |
| Type of Platform | High-yield alternative investment opportunities |
| Objective | Help individual investors earn better returns by participating in high-quality opportunities beyond equities, fixed deposits, real estate, and gold |
| Achievements | – Originated opportunities worth over Rs 250 crore in the last eight months<br>- More than 10,000 registered investors |
| Transaction Volume Goal | Not specified |
Criteria for Borrowers in Jiraaf
- Restrictions on repayment of other loans or company guarantees, unless paid to Jiraaf.
- Maintaining specific parameters, such as revenue, costs, EBITDA, and cash burn.
- Ensuring that there are enough cash in the Reserve Account to service debt
- Restrictions apply to changes in capital structure, management, and shareholding patterns.
- Preserving the company’s credit rating and keeping the predetermined debt-equity ratio
- There is no fundamental change to the company’s name, registered office, or authorised capital.
Conclusion
Jiraaf is a SEBI-registered online bond platform that revolutionizes wealth creation by democratizing access to curated listed bonds with annualized returns ranging from 6% to 20% over tenures of 3 months to 3 years. The platform offers a diverse range of investment products, including corporate bonds, sovereign gold bonds, treasury bills, government securities, state development loans, and structured debt instruments, allowing investors to build portfolios with yields between 7% to 18%. Founded by Saurav Ghosh and Vineet Agrawal, Jiraaf prioritizes risk-adjusted high returns, compliance with regulatory frameworks, and a user-friendly digital interface. Overall, Jiraaf aims to empower individual investors and simplify the process of investing in high-quality opportunities for wealth creation.
