Investors purchase invoices from businesses at a discounted rate and receive the full invoice amount when the debtor pays. The discount represents the investor's profit.

Returns from invoice discounting can vary but are typically in the range of 10% to 14% annually, depending on factors such as the creditworthiness of the debtor and the duration of the investment.

Yes, a DEMAT account is required for investing in PMS.

Yes, investors can typically redeem their investments partially or fully from PMS. The is no lock-in period..

Well qualified team of experts will evaluate multiple factors including rental yield, location, tenant profile, lease duration, asset quality, potential for capital appreciation, market indicators, title legality, income prospects, etc and shortlist the properties.

The returns are not guaranteed, however, the rental yields for most listed opportunities are predetermined, there's always a risk that the yield may not be paid due to underlying real estate and leasing risks..

Corporate bonds and debentures are debt investment instruments characterized by a Fixed Rate of Return and Fixed Maturity Period. While Bonds are typically securities issued by governments, debentures are exclusively issued by corporations.

These instruments are issued by corporations to raise capital from investors, essentially functioning as loans utilized for various business endeavours such as expanding into new markets, initiating new projects, or expanding existing operations. In each bond or debenture issue, fixed interest payments (Coupons) are disbursed at regular intervals on predetermined dates. Additionally, the principal loan amount (face value per unit of Bond/Debenture) is repaid upon reaching the predetermined maturity date.

Companies often extend credit periods to clients ranging from a few weeks to a few months. During this time, they may utilize invoice discounting to access funds, ensuring cash flow for essential business operations. These funds, integral to working capital, can be reinvested into various critical business requirements.

As per RBI guidelines, the maximum amount per lender is capped at Rs 50,00,000 across all P2P platforms.

Yes, the earnings from P2P investments will be included in your total income and taxed according to the applicable tax rate based on your income bracket.

Currently, you can invest in US stock markets which are in NYSE and NASDAQ.

Stockal is a neo-brokerage platform that enables cross-border savings & investments for retail Indian investors across the world. Currently, we enable investors from India, Middle East to invest in over 5,500 stocks and ETFs listed in U.S. markets on our platform. Investors can choose to directly invest in stocks, ETFs, or through custom international portfolios built by financial experts.

Yield yard provides one stop platform to buy different investment products based on your suitability (life cycle, affordability, risk tolerance, return required).

Our team of experts are focused only on generating good returns for the customers and do not charge the customers anything for this facility. We scan our channel partners and provide multiple options to our customers. Stay updated on every offers, investment trends and insights.

To safeguard the investments, on an average, one lender's money is distributed across more than multiple borrowers. All borrowers undergo thorough verification and are screened through hundreds of criteria. The funds are also managed by an RBI approved independent trustee and routed through an escrow bank account for added security only on your approval.

There are no additional fees for investing or withdrawing after maturity. A payment gateway fee might apply, depending on the payment method chosen.

According to the RBI, the maximum investment allowed in P2P platforms is ₹10L. To increase this limit to ₹50L, investors must demonstrate a net worth certificate of ₹50L or more. This Net Worth Certificate is provided by an independent Chartered Accountant directly to you pursuant to your request.

The lock-in period depends on the plan selected.

On registering with us as a lender, a virtual escrow account in your name gets opened. At the time of investment, you transfer your funds into this secure, personalized escrow account. From here your funds are disbursed to borrowers as loans. At the end of your investment period, the money is returned to this escrow account from where you can withdraw your money into your bank account.

No, there is no tax benefit under section 80C for investing.

Within the Risk Pyramid framework, bonds are classified as low-risk securities, akin to Fixed Deposits. Nonetheless, there are a few inherent risks to consider:

• Default Risk: This risk arises when the issuer fails to meet its obligations, resulting in the loss of principal amount or missed interest payments.
• Liquidity Risk: Occurs when an investor needs to sell bonds before maturity but finds it challenging to locate buyers, potentially leading to selling at a discounted price.
• Interest Rate Risk: Fluctuations in interest rates impact bond prices inversely. Rising rates can cause bond prices to fall, while falling rates can drive prices up, affecting potential capital gains or losses upon sale.

Indian Residents:

List of valid Photo identification proofs:

1. Aadhar Card (front+back)

Others:

List of valid identification proof

1. Resident Permit (front & back)
2. National ID (front & back)
3. Passport (with photo)
4. Driver's License (front & back)

List of valid Address Proof

1. Bank / Society statement (E-statements accepted)
2. Utility bill
3. Driver's License (front & back)     

ID Proof Document: Please make sure Name and Date of Birth is same as mentioned in KYC form.

Address Proof Document: (Only for MENA Users) Incase of address proof documents provided are any of the utility bills, please ensure no document with a PO Box is uploaded, as PO Box is not a valid form of address.

Stockal enables you to access international markets and diversify your portfolio globally. When you create an account on Stockal, your brokerage account is, in turn, automatically created with DriveWealth - our US partner for clearing and brokerage services. It will take 15-20 minutes for your account to get approved. Once approved, you will have to fund the account by transferring money into the brokerage account from your bank account.

Once the funds become available in your brokerage account, you will be able to make investments on Stockal. Feel free to use the extensive research and support available on the platform.

After selling any of your investments, you can click on "Withdraw" to transfer funds back into your account to get your money back. When you begin the withdrawal process, all your available cash will be sent over to your domestic bank account

No, funds cannot be added at any time of the tenure once your FD is booked.

The interest on FD will be credited to your registered bank account.