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InvoiceX

Invest in secured, RBI/SEBI-compliant invoice
discounting opportunities
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  • Earn upto 14% Pre-Tax IRR
  • Backed By A Pool Of Invoices
AT A GLANCE
InvoiceX
₹ 40 Cr+
Investments Enabled
100+
Investors
₹ 1,00,000
Minimum Investment
ABOUT INVOICEX
What is InvoiceX

  • InvoiceX by Grip Invest is a diversified, RBI-compliant, and credit-rated investment for individual investors, focused on loans backed by invoice discounting.

  • The investment is secured by cash collateral, over-collateralization, and excess interest spread, providing added protection.

  • Each opportunity involves a pool of loans backed by invoices from well-known companies, offering diversification.

  • InvoiceX has a tenure of 6 to 9 months, with fixed monthly interest and principal payments, and is rated by SEBI-registered agencies like CRISIL and ICRA to assess the financial health of the originator and loan pool quality.

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InvoiceX
fdWorks
Invoice Discounting
Returns %
10% - 14%
10% - 16%
Rating
Investment Grade (A1 - A1+)
Not Rated
Regulated By
RBI/SEBI
None
Security Cover
Yes
Yes
Diversification
Pool of 200+ Invoices to 20+ Companies
Invoices to 1 Company
Quality Of Invoices
Pool Of Invoices Raised to Anchors
Invoices issued to late stage start-ups
Repayment
Monthly
-

REASON AND BENEFITS

Why invest in InvoiceX ?

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Diversified, Short-Term Investment

InvoiceX lets investors invest in a diversified pool of short-term loans backed by invoices from multiple trusted companies, providing both stability and reduced risk through diversification.

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Fixed Income, RBI-Compliant

As an RBI-compliant, fixed-income instrument, InvoiceX offers fixed, non-market-linked returns, allowing investors to earn predictable interest with principal returns at maturity.

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Rated and Secured

InvoiceX is rated by SEBI-registered rating agencies like CRISIL and an independent SEBI-registered trustee managing oversight. To protect against payment delays, a security cover offers additional capital protection.

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How to Invest?

It’s really simple with Grip

Find Your Deal
Investment Process
Visualize Returns
01.

Explore curated investment opportunities process

Find
your deal

Unique investment opportunities qualified through rigorous due diligence

02.

Complete KYC and investment process

Complete
KYC &
Investment

Seamless digital KYC, e-sign and payment experience

03.

Receive returns as per pre-determined schedule

Returns per
pre-decided
schedule

For fixed income products, receive monthly/ quarterly returns in your bank account

Partner Curation and Due Diligence
How Grip Invest evaluates InvoiceX investment opportunities
  • Look for Ratings: InvoiceX opportunities are credit-rated by SEBI-registered agencies like CRISIL, ICRA and CARE on a scale from AAA (lowest risk) to BB and below (higher risk, higher return). Higher ratings indicate safer investments, while lower ratings reflect higher risk and potential for higher returns, helping investors assess stability and risk.
  • Security Cover: InvoiceX opportunities are secured by collateral in the form of cash and over-collateralization, providing additional protection for investors. This security cover helps mitigate risk by ensuring that the value of the underlying assets exceeds the investment, offering a safeguard in case of defaults or delays in payments.
  • Risk Mitigation: InvoiceX mitigates risk through a diversified loan pool, security cover (cash collateral, over-collateralization), and independent credit ratings by agencies like CRISIL and ICRA. An independent trustee oversees cash flows, ensuring transparent fund management and added stability for investors.
  • Short tenure deals: Shorter tenures typically 6 to 9 months, reduce exposure time, lowering the likelihood of significant financial changes that could impact repayment. These shorter terms help mitigate risk by allowing investors to receive returns and principal within a brief period.
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For your knowledge

Risks Involved

  • Credit Risk: Investing in InvoiceX opportunities carries inherent risks. Grip does not guarantee profit, capital preservation, or risk-free investments, nor can it assure returns on any investment. Investors are encouraged to read the rating rationale and thoroughly understand the associated risk factors before investing. Please read the information memorandum (IM) before making any investment.
  • Concentration and Economic Risk: While diversified, some concentration may exist if invoices are from the same sector, making the investment susceptible to sector downturns. Broader economic shifts could also impact the financial stability of the companies involved.
  • Investment Disclosure: The information provided on any opportunity is based on publicly available data and disclosures from originators. Please read the information memorandum (IM) before investing.

To help you

Frequently Asked Questions

What is InvoiceX?

InvoiceX involves grouping together loans backed by a diversified pool of short-term loans supported by approved invoices from multiple anchors. It is an invoice discounting investment opportunity structured as a Pass-through Certificate (PTC), a fixed-income instrument issued in accordance with RBI regulations. Grip offers PTCs secured by a pool of trade receivables, rated by a credit rating agency. Investors receive fixed monthly payouts in the form of interest and/or principal. To mitigate risks, all cash flows are managed by a SEBI-registered trust with an escrow mechanism to protect receivables.
InvoiceX (in PTC format) is an RBI-compliant and rated instrument managed by an independent, SEBI-registered trustee. Returns in InvoiceX originate from a pool of trade receivable invoices raised to anchors by MSMEs. The security package includes over-collateralization, cash collateral, and excess interest spread (EIS). Over-collateralization ensures that invoices worth INR (100+x) are held as collateral against an INR 100 investment. Cash collateral is in the form of an upfront fixed deposit by the originator. EIS is the difference between the interest amounts on the pool of receivables and the interest payable to investors.
Only the interest payout is expected to be taxed at the marginal tax rate of the individual investor; no tax should be payable on the principal repayment. Appreciation (if any) of the price of the PTC, in case of sale prior to the full tenure, is expected to be considered as capital gain and taxed accordingly. This should not be considered as tax advice. We urge you to speak with your independent tax advisor.
Yes, KYC is mandatory for InvoiceX investments to comply with regulatory requirements and prevent money laundering activities.

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Grip Invest is a SEBI-regulated platform for high-yield, fixed-income investments like Corporate Bonds and SDIs. Our mission is to enable all Indians to invest in regulated, curated, diversified opportunities offering attractive, predictable returns.
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Grip Broking Private Limited (U67120DL2023PTC410290), Member of NSE- SEBI Registration No.: INZ000312836, NSE Member Code: 90319
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Investments in debt securities/municipal debt securities/securitised debt instruments are subject to risks including delay and/or default in payment. Read all the offer related document carefully.
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ii. There is no need to issue a cheque. Please write the Bank account number and sign the IPO application form to authorize your bank to make payment in case of allotment. In case of non allotment the funds will remain in your bank account. Issued in the Interest of Investor. Investments in securities market are subject to market risks; read all the related documents carefully before investing.

iii. KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.

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v. Advisory for investors - Clients/investors to abstain them from dealing in any schemes of unauthorised collective investments/portfolio management, indicative/ guaranteed/fixed returns / payments etc.
    
Attention Investors: 
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