Local business investing is different from buying shares on an exchange or a mutual fund unit. Here's exactly what happens with your money, step by step.
A local business — a restaurant, clinic, tuition centre, retail shop, or small manufacturer — submits its financials, business plan, and how much capital it needs. Our team reviews the business's registration documents, past revenue, and cash flow, and visits the premises where practical, before approving a listing.
Every listing is structured one of three ways. Read the specific structure on each listing carefully — it changes how and when you get paid.
You receive a fixed percentage of the business's monthly revenue for a set period, until a target multiple of your investment is paid back. Payouts move with the business's sales — higher in good months, lower in slow ones.
The business pays you a pre-agreed interest rate on a fixed schedule (monthly or quarterly), regardless of how the business performs that month, similar to a business loan. This depends entirely on the business's ability to pay.
You own a small direct stake in the business itself. There's no fixed payout — your return depends on the business's profits and, eventually, a buyout or exit event. This carries the highest risk and the longest, least predictable timeline.
Unlike local business investing, mutual funds pool money across many companies and are professionally managed. Offered separately under our AMFI-registered distributor arrangement — see the Mutual Funds page.
When you invest, your money goes into an escrow account — it does not go directly to the business. It is only released once the business's full funding target is reached and final checks are complete. If a raise doesn't reach its target within the listed window, every investor gets their money back.
Once funds are released, payouts begin on the schedule stated in the listing — monthly, quarterly, or at maturity. You can track payments, upcoming dates, and the business's basic performance updates from your dashboard.
At the end of the stated tenure (commonly 12–36 months), revenue-share and fixed-interest deals conclude, and any remaining principal is returned. Equity investments don't have a fixed end date — you hold the stake until a sale, buyback, or other exit event occurs, which may take significantly longer.
Any resident Indian adult with a PAN, a bank account, and completed KYC can invest, starting from ₹25,000 per listing. There is no requirement to be a resident of the same city as the business — you can invest in any listed opportunity across any of the states and union territories we operate in.
Every listing shows its structure, tenure and target return upfront.