Alternative Investment

Diversify beyond traditional markets with high-yield, short-tenure instruments backed by real business cash flows.

What is Bill / Invoice Discounting?

Bill Discounting (also called Invoice Discounting) is a short-term financing arrangement where a business sells its unpaid invoices — issued to large, creditworthy buyers — to investors at a discount. The investor pays the business upfront and receives the full invoice value when the buyer settles the bill, typically in 30–90 days.

This creates an opportunity for investors to earn predictable, fixed returns of 10–12% p.a.by participating in real-economy trade transactions, while businesses unlock working capital tied up in receivables.

Pros

High Yields — Returns of up to 12% p.a., higher than fixed deposits and most debt funds.
Short Tenure — Typical lock-ins of 30–90 days improve liquidity.
Low Market Correlation — Returns linked to trade settlement, not market movement.
Diversification — Across multiple invoices, buyers and sectors.
Predictable Cash Flow — Fixed return on a known maturity date.

Cons

Counterparty Risk — Dependent on the buyer paying the invoice on time.
Limited Liquidity — Funds are locked till invoice maturity; no secondary market.
No Capital Guarantee — Not covered by deposit insurance.
Platform Dependency — Quality of due diligence varies across platforms.
Taxation — Returns taxed at slab rate as interest income.

Featured Products — Amplio

Curated alternative investment opportunities from amplioinvest.in.

Invoice Discounting

Up to 12% p.a.

Invest in short-tenure invoices raised by SMEs against marquee buyers like Zepto, HPCL, Reliance and others. Earn predictable, high-yield returns linked to real trade transactions — typically maturing in 30–90 days.

Backed by verified invoices to large corporates
Short tenure: 30–90 days
Diversified across multiple deals

Amplio Wealth

Up to 10% p.a.

A curated, debt-oriented portfolio designed for stability and predictable growth. Built on instruments backed by leading banks like Bank of Baroda, Axis Bank and HDFC — engineered to reduce volatility while delivering consistent income.

Reduced market volatility
Predictable growth profile
Higher liquidity than fixed deposits

Risks Associated

Alternative investments such as invoice discounting carry risks that are different from listed equity or mutual funds. Investors should evaluate them carefully before committing capital.

Default / Credit Risk: The buyer (corporate paying the invoice) may delay or default on payment.
Liquidity Risk: Investments are locked until invoice maturity — there is no exit before settlement.
Concentration Risk: Heavy exposure to a single buyer or sector amplifies losses if that counterparty fails.
Operational / Platform Risk: Investment is intermediated by a platform — quality of underwriting and recovery processes matters.
Regulatory Risk: The alternative finance space is evolving; future regulation may affect returns or structures.
No Insurance Cover: Unlike bank deposits, these investments are not protected by DICGC or similar guarantees.

Returns are indicative and not guaranteed. Past performance does not assure future outcomes. Please read all offer documents carefully.