{"id":70248,"date":"2025-02-05T21:08:43","date_gmt":"2025-02-05T21:08:43","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/alternative-investment-portfolio-february-2025\/"},"modified":"2025-02-05T21:08:43","modified_gmt":"2025-02-05T21:08:43","slug":"alternative-investment-portfolio-february-2025","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=70248","title":{"rendered":"Alternative Investment Portfolio – February 2025"},"content":{"rendered":"


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The budget for 2025 proved to be a relief for many people as tax liability for most will go down. Below is the amount of deduction you will need if you stay in the old tax regime. It means if you have INR 8 Lakh+ deductions then it makes sense to stick to the old regime.<\/p>\n

\"budget\"budget However, the start of 2025 is proving to be challenging with certain key issues visible in the Indian Economy and market outlook. Some of the key near-term issues are<\/p>\n

FII outflow from India<\/strong><\/h3>\n

\"fii\"fii<\/p>\n

One pressing challenge is the significant outflow of Foreign Institutional Investments (FII) in recent months. Global risk aversion, coupled with tightening monetary policies in developed economies, has led to a shift of capital towards safer assets. This exodus has weighed heavily on the Indian equity markets, causing volatility and putting pressure on the rupee. FIIs, who were net sellers in 2024, continue to pull funds in search of higher yields and a more stable global macroeconomic environment. The weakening of the rupee has added fuel to this fire.<\/p>\n

The sheer number of retail and DII buyers have cushioned this blow but in a way this inflow has provided liquidity to FII who were invested in India for last many years. However such events create opportunity and after a long time, equity is at an attractive level.<\/p>\n

GDP Growth Under Pressure<\/strong><\/h3>\n

\"india\"india<\/p>\n

India\u2019s GDP growth, which was among the fastest in the world post-COVID recovery, has shown signs of deceleration. The latest estimates indicate a decline in growth projections, attributed to slowing global demand, subdued exports, and domestic consumption pressures. High interest rates, implemented to tame inflation, are dampening private investments and consumer spending. Additionally, the manufacturing sector is struggling due to weak external demand, contributing to the overall slowdown.<\/p>\n

Microfinance and Rising NPAs<\/strong><\/h3>\n

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The microfinance sector, which plays a crucial role in financial inclusion, is facing a surge in Non-Performing Assets (NPAs). With inflationary pressures eroding disposable incomes, repayment capacities among borrowers\u2014particularly in rural and semi-urban areas\u2014have been hit hard. Borrowers dependent on agriculture or small-scale businesses are feeling the brunt of erratic monsoons and rising costs, pushing default rates higher. This has forced microfinance institutions (MFIs) to tighten credit policies, potentially stifling credit flow to the most vulnerable segments of the population.<\/p>\n

Many of the bonds on online platforms have microfinance issuers hence it is important to exercise caution for further investment in such bonds. Do look at the latest financial reports of these companies. Look at the stock analyst reports to understand in detail the situation<\/p>\n

Many new Bond platforms have come up in the last couple of years. This makes it difficult for investors to choose the best bonds and yields as sometimes the same bonds are listed across different platforms. The reason for this difference is that most of the platforms do not originate the transaction, they just buy the bonds from large players like Yubi and Northern Arc.<\/p>\n

Now each platform has its own cost and profit margin hence they markup the price. We at Randomdimes.com allow our readers to access these bonds directly from Aspero ( Yubi Entity ). Through this method, the investors can achieve higher yields than other platforms. As we do not have any marketing cost, we are able to directly allow Aspero to show its bond. The yields are higher if you register through this. It is even more than what you will find in Aspero if you go directly there.<\/p>\n

We will also start showing market intelligence on the current Yield of Unlisted bonds and connect you with the platform who are offering these.<\/p>\n

Altifi offers unlisted NCD<\/a> to selected investors but won\u2019t be available publically, you need to connect with the Altifi RM after registering here.<\/p>\n

Alternative Investments Defaults and Delays<\/em><\/h2>\n

We have created a table to make it easy for everyone to track the latest status of ongoing delays and delays on various platforms and the current updates around them.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
Name <\/th>\nDeal<\/th>\nStatus<\/th>\nUpdate<\/th>\n<\/tr>\n<\/thead>\n
Growpital<\/td>\nPlatform Freeze<\/td>\nSEBI Freeze<\/td>\n– Partial Recovery expected through SAT meeting again delayed to 3rd feb ,2025<\/td>\n<\/tr>\n
Altgraaf<\/td>\nArzoo <\/td>\nPartial Repayment<\/td>\n– Litigation Process against Arzoo initiated<\/td>\n<\/tr>\n
Tapinvest<\/td>\nMelorra Asset Leasing\/
Growpital Leasing<\/td>\n		Early Asset Buyback for Melorra,
growpital asset stuck<\/td>\n		-Resolution ( Final Payoff Pending)
-Growpital Assets identified in Barmer<\/td>\n<\/tr>\n
Gripinvest<\/td>\nBigspoon<\/td>\nPartial Repayment<\/td>\n– 25% asset recovery pending.<\/td>\n<\/tr>\n
kredx<\/td>\nMultiple deals<\/td>\nLitigation<\/td>\n– Delay in multiple deals such as TCS, Dairy Power, CBRE etc<\/td>\n<\/tr>\n
Tradecred<\/td>\nBizongo<\/td>\nDelay due to Bizongo Funding<\/td>\n– Repayment expected by March<\/td>\n<\/tr>\n
Bonds<\/td>\nTrucap<\/td>\nTrucap downgrade to BBB- Stable<\/td>\n– Coupon increased to 13% ,5 months remaining for repayment.<\/td>\n<\/tr>\n
Betterinvest<\/td>\nStudio 9<\/td>\nDelay in repayment<\/td>\n– Payment expected by Feb End<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Currently below are the key new updates on the various delays across Alternative Investment platforms.<\/p>\n