Explore the world of
In our journey since Sept-2021, we have delivered
- Corporate Debt
(unlisted)- IRR8 - 20%
- Tenure1-3 years
- Invoice
Discounting- IRR9 - 14%
- Tenure30-90 days
- Asset
Leasing- IRR12 - 20%
- Tenure2-3 years
- Revenue-based Financing
- IRR+15%
- Tenure1-2 years
Invest across multiple asset classes
The one-stop solution for everything fixed income. Choose from a wide range of asset classes, returns, risk profiles and tenors to build a portfolio that meets your investment needs and goals.
Boost your investment portfolio with new-age alternative investment opportunities.
Jiraaf provides you the opportunity to diversify your investments from traditional fixed income asset classes to help you earn higher returns
Predictable returns help you plan for your goals better. Jiraaf provides you with opportunities that range from 30 days to 3 years. You can choose the tenures and pay-out structures that suit your goals
Love a secondary Income
Choose our leasing product that gives monthly cash flows
Prefer constant liquidity
Choose our invoice discounting products and earn returns in 30 – 90 days
Low effort investing
Earn high returns for tenors with 2 – 3 years with corporate debt opportunities
You can invest across a range of fixed income asset classes that allow you to achieve all your financial goals on a single platform
If all growth capital is in equity linked investments, any volatility can cause our portfolio to suffer dramatically. Create a balanced portfolio by ensuring that part of your investments earn non-market linked returns
Jiraaf provides you the opportunity to diversify your investments from traditional fixed income asset classes to help you earn higher returns
Risk-assessed
The deals available on our platform undergo our rigorous and thorough internal credit and risk framework.
Diversified investments
Get investment opportunities across multiple asset classes to choose from.
Ease of investing
Easy to understand platform with insights and knowledge to up the performance of your portfolio.
Secured deals
Access to opportunities that are backed by solid collateral or identified cashflows.
Get access to curated, risk-assessed opportunities designed for retail investors
Exciting deals across tenures, asset classes and returns.
The Infrastructure industry in India is growing – so is your money with Aris
Aris Invoice
100% subscribed
- Gross Returns12.6%
- Tenure3 months
Earn 15% p.a. with Mumbai's leading Real Estate Developer
Wadhwa
100% subscribed
- Gross Returns15 %
- Tenure24 months
1K is bringing ecommerce to rural India, while helping you earn great returns
1K invoice
100% subscribed
- Gross Returns15.9 %
- Tenure3 months
Participate in Uber’s growth journey while earning monthly returns
Everest Fleet
100% subscribed
- Gross Returns17.5%
- Tenure36 months
Invest in invoices of marquee FMCG clients like HUL & Nestle
Calpro
100% subscribed
- Gross Returns11.7%
- Tenure30 days
A leading global consumer finance provider, helping you earn great returns
Home Credit
100% subscribed
- Gross Returns12%
- Tenure15 months
The Infrastructure industry in India is growing – so is your money with Aris
Aris Invoice
100% subscribed
- Gross Returns12.6%
- Tenure3 months
Earn 15% p.a. with Mumbai's leading Real Estate Developer
Wadhwa
100% subscribed
- Gross Returns15 %
- Tenure24 months
1K is bringing ecommerce to rural India, while helping you earn great returns
1K invoice
100% subscribed
- Gross Returns15.9 %
- Tenure3 months
Participate in Uber’s growth journey while earning monthly returns
Everest Fleet
100% subscribed
- Gross Returns17.5%
- Tenure36 months
Invest in invoices of marquee FMCG clients like HUL & Nestle
Calpro
100% subscribed
- Gross Returns11.7%
- Tenure30 days
A leading global consumer finance provider, helping you earn great returns
Home Credit
100% subscribed
- Gross Returns12%
- Tenure15 months
The Infrastructure industry in India is growing – so is your money with Aris
Aris Invoice
100% subscribed
- Gross Returns12.6%
- Tenure3 months
Earn 15% p.a. with Mumbai's leading Real Estate Developer
Wadhwa
100% subscribed
- Gross Returns15 %
- Tenure24 months
1K is bringing ecommerce to rural India, while helping you earn great returns
1K invoice
100% subscribed
- Gross Returns15.9 %
- Tenure3 months
Participate in Uber’s growth journey while earning monthly returns
Everest Fleet
100% subscribed
- Gross Returns17.5%
- Tenure36 months
Invest in invoices of marquee FMCG clients like HUL & Nestle
Calpro
100% subscribed
- Gross Returns11.7%
- Tenure30 days
A leading global consumer finance provider, helping you earn great returns
Home Credit
100% subscribed
- Gross Returns12%
- Tenure15 months
Here's what the media says about us
Backed by top investors
trusted by some of the most well known entrepreneurs in India
Siddharth Shah
Co-founder, PharmeasyMankekar
Family OfficeCapital - A
Venture CapitalDharmil Sheth
Co-founder, PharmeasyRamakant Sharma
Co-founder, LivSpace
- "Jiraaf provides the platform to grow our wealth through fixed return assets. The ability to diversify across brands and asset types at one location provides a great peace of mind to me."
Sitakanta Ray
Co-Founder
RetainIQ - "I was super impressed with the ease of registering with the platform and investing using it. It gives you the confidence to invest and an opportunity to diversify your portfolio risk from the conventional debt and equity investments"
Gitanjali Mirchandani
Ex-MD JM Financial Credit Solutions (RE)
- "I am extremely satisfied with the alternate investment products offered by Jiraaf, which otherwise not possible for small retail investors. Jiraaf has bridged the gap and provided a tech-based solution to its investors"
Rahul Chamaria
Executive Director, Star Cement Ltd.
- "Opportunities offered by Jiraaf have great risk-return balance. The information provided is quite useful to help an an informed investment decision. I was very pleased with the straightforward, simple and clear process of investing."
Sawan Singamsetty
Associate Director, HSBC Investment Banking
- "Jiraaf is my go-to place for alternate investments when it comes to fixed income instruments. I trust Jiraaf with my money because I know that the team behind it is meticulous and thorough in its work process."
Sumit Dhingra
GM- India and South East Asia, Crocs
- "We need to look beyond FDs and debt funds if we want to beat inflation and Jiraaf is the ideal platform. They have had some fantastic deals in the past and I hope they will continue to offer such deals in the future."
Ravi Handa
Director
Unacademy - "I was a regular FD person earlier, so all my non-equity money was kept in FD. With 5% interest rate on FD, I was getting 3.5% post tax. However, Jiraaf gives me opportunity to invest in alternative investment opportunities with much higher returns. Now I have a chance of beating inflation while keeping my investment secure."
Amit Arora
Associate Professor
IIT Gandhinagar - "Jiraaf provides the platform to grow our wealth through fixed return assets. The ability to diversify across brands and asset types at one location provides a great peace of mind to me."
Sitakanta Ray
Co-Founder
RetainIQ - "I was super impressed with the ease of registering with the platform and investing using it. It gives you the confidence to invest and an opportunity to diversify your portfolio risk from the conventional debt and equity investments"
Gitanjali Mirchandani
Ex-MD JM Financial Credit Solutions (RE)
- "I am extremely satisfied with the alternate investment products offered by Jiraaf, which otherwise not possible for small retail investors. Jiraaf has bridged the gap and provided a tech-based solution to its investors"
Rahul Chamaria
Executive Director, Star Cement Ltd.
- "Opportunities offered by Jiraaf have great risk-return balance. The information provided is quite useful to help an an informed investment decision. I was very pleased with the straightforward, simple and clear process of investing."
Sawan Singamsetty
Associate Director, HSBC Investment Banking
- "Jiraaf is my go-to place for alternate investments when it comes to fixed income instruments. I trust Jiraaf with my money because I know that the team behind it is meticulous and thorough in its work process."
Sumit Dhingra
GM- India and South East Asia, Crocs
- "We need to look beyond FDs and debt funds if we want to beat inflation and Jiraaf is the ideal platform. They have had some fantastic deals in the past and I hope they will continue to offer such deals in the future."
Ravi Handa
Director
Unacademy - "I was a regular FD person earlier, so all my non-equity money was kept in FD. With 5% interest rate on FD, I was getting 3.5% post tax. However, Jiraaf gives me opportunity to invest in alternative investment opportunities with much higher returns. Now I have a chance of beating inflation while keeping my investment secure."
Amit Arora
Associate Professor
IIT Gandhinagar - "Jiraaf provides the platform to grow our wealth through fixed return assets. The ability to diversify across brands and asset types at one location provides a great peace of mind to me."
Sitakanta Ray
Co-Founder
RetainIQ - "I was super impressed with the ease of registering with the platform and investing using it. It gives you the confidence to invest and an opportunity to diversify your portfolio risk from the conventional debt and equity investments"
Gitanjali Mirchandani
Ex-MD JM Financial Credit Solutions (RE)
- "I am extremely satisfied with the alternate investment products offered by Jiraaf, which otherwise not possible for small retail investors. Jiraaf has bridged the gap and provided a tech-based solution to its investors"
Rahul Chamaria
Executive Director, Star Cement Ltd.
- "Opportunities offered by Jiraaf have great risk-return balance. The information provided is quite useful to help an an informed investment decision. I was very pleased with the straightforward, simple and clear process of investing."
Sawan Singamsetty
Associate Director, HSBC Investment Banking
- "Jiraaf is my go-to place for alternate investments when it comes to fixed income instruments. I trust Jiraaf with my money because I know that the team behind it is meticulous and thorough in its work process."
Sumit Dhingra
GM- India and South East Asia, Crocs
- "We need to look beyond FDs and debt funds if we want to beat inflation and Jiraaf is the ideal platform. They have had some fantastic deals in the past and I hope they will continue to offer such deals in the future."
Ravi Handa
Director
Unacademy - "I was a regular FD person earlier, so all my non-equity money was kept in FD. With 5% interest rate on FD, I was getting 3.5% post tax. However, Jiraaf gives me opportunity to invest in alternative investment opportunities with much higher returns. Now I have a chance of beating inflation while keeping my investment secure."
Amit Arora
Associate Professor
IIT Gandhinagar
Jiraaf, Clayworks, 371, 3rd Floor, 1st Cross Road, Santhoshapuram, Koramangala 3rd Block, Bengaluru – 560034
About us
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Founded in 2021 by Saurav Ghosh and Vineet Agrawal, two experienced professionals in real estate and corporate finance respectively, we are a platform offering curated high-yield fixed income investment opportunities in alternative asset classes. These asset classes have traditionally been accessible only to the ultra-rich due to the high entry barriers, but we intend to democratise this by making it accessible to all retail investors and provide opportunities for wealth creation. We aim to enable investors to participate and create a more diversified portfolio by providing access to multiple new-age alternative investment options.