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Backed by institutional capital

Alt Credit is backed by the biggest names in institutional investing

A choice of private market credit

Diversify through an array of credit opportunities that suit your risk

Real Estate Credit
COMING SOON

Real Estate Credit

High yield debt backed by prime real estate

YTM

14-18%

Tenure

24-36 months

Security cover

2-3x

DSRA

3 months
Private Corporate Bonds
COMING SOON

Private Corporate Bonds

High yield listed debt issued by private companies

YTM

10-14%

Tenure

12-36 months

Security cover

1-2x

Credit Rating

BBB - AA
Public Corporate Bonds
COMING SOON

Public Corporate Bonds

Publicly listed companies investment grade credit

YTM

8-12%

Tenure

24-48 months

Security cover

1-2x / Unsecured

Credit Rating

A - AAA

Highest return across debt products

Private credit provides 12-18% returns, higher than fixed deposit, G-Secs and debt funds.

Illustrative Opportunity

FEATURED

Project Alpha (Upcoming)

Whitefield, Bangalore

Tier 1

Developer

Senior credit through listed NCDs backed by sold and unsold units in a brownfield residential project in Bangalore.

YTM

14-18%

Tenure

24-36 M  

Security Cover

2-3x

DSRA

3 months

Pre-book closing soon • 100+ customers have registered interest

1% enhanced yield for early investors!
1% enhanced yield for early investors!
1% enhanced yield for early investors!

How it works?

0-2 Months
Sourcing
Highest quality credit opportunities backed by strong borrower credentials, proven cash flow and significant security cover.
0-3 Months
Due-Diligence
Extensive due-diligence on the borrower or project through Tier I legal firms.
3-4 Months
Listing
Listed on the platform together with a detailed investment thesis, allowing users to review and participate in each opportunity.
18-36 Months
Distribution
Quarterly distribution directly into the investor’s bank account together with a detailed asset management update.
3-36 Months
Exit
Prematurely through our secondary platform or hold till maturity.
0-2 Months
Sourcing
Highest quality credit opportunities backed by strong borrower credentials, proven cash flow and significant security cover.
0-3 Months
Due-Diligence
Extensive due-diligence on the borrower or project through Tier I legal firms.
3-4 Months
Listing
Listed on the platform together with a detailed investment thesis, allowing users to review and participate in each opportunity.
18-36 Months
Distribution
Quarterly distribution directly into the investor’s bank account together with a detailed asset management update.
3-36 Months
Exit
Prematurely through our secondary platform or hold till maturity.

A team with institutional credit experience

Alt’s team comes with extensive private credit experience across sectors

Mayuresh Saoji

BITS (Pilani)
IIM (Ahmedabad)
18+ years
private credit experience
Ex Ares SSG Capital
Ex Ares SSG Capital logo

Kunal Moktan

IIM (Ahmedabad)
 
18+ years
private credit experience
Ex Blackstone Real Estate
Ex Blackstone Real Estate logo

Hashim Khan

IIT (Kanpur)
IIM (Ahmedabad)
10+ years
RE private equity experience
Alt Capital
Alt Capital logo

One on one with Mayuresh, our Chief Investment Officer

Our CIO offers insights into the Private Credit landscape.

Start Investing

FAQs

Alt is a tech-enabled alternative investment platform that provides individual investors direct access to institutional quality alternative assets.
AltInvest Credit Platform Private Limited (“Alt Credit”) is a subsidiary of Alt focused on presenting select credit investment opportunities to individual investors. Alt Credit is registered with SEBI as stock broker in the debt segment and also functions as an online bond platform provider.
‘Private credit’ refers to loans or debt investments made by lenders other than traditional banks (such as institutional funds, asset managers, or HNI investors) to companies, where the return is in the form of interest paid by such companies. These investments are in the form of bonds or debentures, which are issued by the borrower company, and subscribed and held by the investors and are secured by identified assets of the company. The interest rate and repayment profile of such bonds / debentures is known upfront.

Real estate credit is a sub-set of private credit where the borrowers are real estate companies and the bonds / debentures are secured by real estate assets (land, under construction projects or completed inventory).
Investors will need to complete the KYC and onboarding process on the Alt Credit platform. Post that, they shall directly be able to purchase the bonds on the Alt Credit platform by placing a purchase order.
The private credit opportunities listed on the Alt Credit platform shall target fixed IRR returns of 10% to 18%. Return details for the specific opportunities shall be available in the relevant offer document.
Alt Credit does not guarantee the returns. However, all offerings on the Alt Credit platform shall be secured by the company’s collateral and returns shall be contractually agreed by the borrower companies in definitive documents. In the unlikely scenario of a default in payment obligations by a borrower, enforcement measures may be required to liquidate the collateral.
‘Private credit’ opportunities or bond investments offer investors an avenue for generating income from stable, predictable cashflows, uncorrelated to the equity markets.

All bond offerings on the Alt Credit platform shall be listed on a recognized stock exchange. The bonds shall be in demat form and once purchased, shall reflect in the investor’s demat account.

Interest income from bonds or debt investments are generally taxed at the individual’s marginal tax rate. Any gains arising out of pre-mature exit from a secondary market transaction could be taxed as per capital gains tax rules. It is recommended to consult a tax advisor for specific queries.

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Disclaimer: 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 documents carefully.

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PRODUCT OVERVIEW

ALT Private Credit Investment Strategy
WATCH NOW 120 secs
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