Mutual Fund lending main

Tax Saving Fund

Totally Tax Free Amount.

Investment Option

SIP and lumpsum Both Options Are Available.

Only 3years Locking Period

Returns>10% To 12% Yearly Approve.

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Here are a few things you will need to get started:

  • Your phone for the OTP
  • PAN Card
  • Recent passport sized photograph
  • Aadhaar card or any proof of permanent address

Here is a new innovative Alternate Asset class for you to invest your money…….

Mutual Funds Investment

A Mutual Fund is an investment plan where money is collected from multiple investors and subsequently pooled to form a fund. This money is then invested in various other financial investments like company shares, stocks, and bonds with the objective of growth and get the highest possible returns.

Why Allocate in an Alternative Asset Class?

Investing in an alternate asset class like P2P allows an Investor to diversify their portfolio to invest in retail loans through granular diversification.

This asset class aims to bring:

Lower volatility in the portfolio by investing in non-market-linked instruments (Retail Loans) Better returns than most of the fixed income products i.e. 2.5 times of FD rate

What are the features of a Mutual Fund?

  1. Money is pooled from various investors.
  2. The fund is well managed by professional Fund Managers.
  3. The fund works under the guidelines of SEBI and hence safe.
  4. Mutual Fund allows access to large portfolios.
  5. Gateway to High returns as compared to conventional investing.
  6. Allows investors to invest in a lump sum or small amounts periodically (SIP).
  7. Mutual funds assist investors by investing across sectors and stocks thereby diversifying the unsystematic risks.
  8. Economies of scale ensure lower transaction costs.
  9. Variety of Products available to suit the risk appetite, financial goal and investment horizon.
  10. Promotes disciplined savings and is an important financial tool for financial planning.

What are the various types of Mutual Funds?

There are over thousands of Mutual Funds that exist in India which are handling thousands of Crores of Rupees. One of the qualities of Mutual Funds is that they are available for various categories of Investors. Though the classification of Mutual Fund is quite complicated, it can broadly be divided into three categories:-

1.  Equity Funds: These funds invest in Stock Markets and is suitable for aggressive Investors only.

2.  Debt Funds: These Funds invest in fixed income securities like Bond Market and is suitable for conservative investors.

3.  Hybrid Funds: These Funds invest in a mix of Equity and Fixed Income securities in a particular ratio and is suitable for investors who want to enjoy the benefits of both the Equity and Debt funds.

Swaraj Finpro Private Limited – Your Mutual Fund Advisor

There are multiple Mutual Funds available in the market. Since the need for each individual is different from the other, a mutual fund which was good for your friend may not be good for you.

So, how will you pick the best mutual fund?

You should buy a mutual fund online only after you assess your financial goals, risk appetite, and time horizon. This kind of assessment is difficult for a common man but not for Swaraj Finpro Private Limited. We understand the mutual fund markets and can cherry pick the best ne for you. Just keep your Cheque and KYC documents ready and leave the rest to us. We guarantee you the best r one for you. Just keep your Cheque and KYC documents ready and leave the rest to us. We guarantee you the best results.

Basic Features

  • Minimum Investment Rs. 50,000, Maximum Rs. 50 Lacs per PAN. All entities can invest except NRI’s.
  • Preference to reinvest EMIs – Only Principal portion, Only Interest portion, EMI, pre- payment.
  • SIP – with minimum Rs. 1000 (after an initial investment of Rs. 50k)
  • Option to withdraw EMIs/ Re-invest EMIs lies with Investor
  • As of now, all investment happens for 36 months with a monthly return of EMI
  • Liquidity – in the form of EMIs only

Benefits with FINZY​

  • FINZY allows you to invest granularly in pre-verified creditworthy borrowers. We believe that a
  • A portion of portfolio allocations to this new asset class will bring:-
  • Lower portfolio volatility with an Additional alpha
  • Cash flow option without compromising on returns Investment in an uncorrelated Asset.
  • Opportunity to invest in an asset class that was primarily owned by Institutions i.e, Retail Loans.
  • Returns potential is as high as 2.5 times of fixed deposits

Category of Borrowers


FINZY follows the RBI mandated KYC verification process for all its users and assesses the creditworthiness of a borrower across 130 different parameters. This risk assessment results in FINZY Score which in turn categories the sanctioned borrowers across 15 rating grades (A+1 to B6) and 5 broad rating categories A+, A𝞪, A𝞫, B𝞪 and B𝞫.

The interest rate on a loan is linked to the FINZY Rating. Interest rate ranges from 7.99% to 21.99% as per the table below:

FINZY has been focusing on salaried borrowers with currently more than 90% of borrowers being salaried. Most of our borrowers are from Tier 1 cities and would have CIBIL history. We offer loans to borrowers with a minimum of Rs. 35000 take-home salary and for self-employed with minimum income of Rs. 5,00,000 as per the last filed income tax return. 90% of our borrowers are at the peak of their earning careers between the age of 25 years to 45 years. FINZY passes on all the interest payments by borrowers to the lenders, we do not keep any interest differential on loans. FINZY charges 2% FINZY fees and 18% GST on the EMI amount paid back to the lenders. Thus, FINZY earns only when we return money to lenders and not on the investment amounts. FINZY has offered an average of 12.5% post FINZY fees return to its lenders in FY 20 21.

Borrowers Due Diligence

 FINZY uses a scientific approach to analyze the repayment capacity of every Borrower. We study multiple factors of each borrower across income details, several existing commitments and leverage, past loan repayment track record, employment details, and several other related parameters. Based on these inputs, we arrive at FINZY Rating using our proprietary credit algorithm.

  • The information used spans across the income documents taken from borrowers viz. salary slips, ITR, Form 16, CIBIL information, EPFO data, bank statement, social media imprints, third-party databases, etc.
  • Apart from this Borrowers digitally provide the following documents before disbursement of


  • Loan Agreement
  • Demand Promissory Note
  • National Automated Clearing House (NACH) registration mandate

Risk Attached

The main risk in P2P Investment is the default Risk of the Borrower. FINZY makes all efforts to mitigate the default risk by:

  • High credit risk assessment standards. Almost 86 loan applications at FINZY get rejected out of every 100.
  • End of the 14 loans that get disbursed, we further try to mitigate risk by allowing only granular investment from each lender. This diversification at the outset and with each reinvestment cycle is of paramount importance from a risk management perspective.

However, the business of credit has risks involved. In the event of a borrower delaying, there is a rigorous process for collection and recovery that involves follow-up emails and text messages, phone calls, field visits, the appointment of third-party collection agencies, and legal recourse. From a settlement risk perspective, RBI has mandated all P2P platforms to maintain escrow accounts for funds received from Borrowers and Lenders. These escrow accounts are operated by a SEBI registered trustee.

From a business continuity risk perspective, please note that the loans are directly between lenders and borrowers and these do not flow through the books and bank accounts of FINZY. This makes the investment bankruptcy remote and further, there is a provision in regulations that would allow a third party to step in and run the processes till the maturity of loans.

Portfolio Performance / NPA

INZY offers a very detailed and transparent dashboard where an investor can log in and access his portfolio performance and track their investments. Details of delayed loans, restructured loans, written-off loans, and settled loans are provided.

Despite the covid situation, in the last 1 year from April 2020 till September 30, 2021, our NPA is limited to 1.50% only.

Recovery Mechanism

We have a strong in-house collection and recovery team and have tie-ups with bank-recognized collection agencies across the country. A well-documented process is followed for communication and action for each of the delayed cases which involves follow-up emails and text messages, phone calls, field visits, the appointment of third-party collection agencies, and legal recourse.

In addition, FINZY is also a member of CIBIL and all other credit bureaus and reports the borrower’s loan behaviour to these bureaus every month. This acts as a big deterrent for borrowers to repay on time else their CIBIL scores would be impacted.

Tax Implication

The interest income is considered as income from other sources and taxation is as per the tax bracket of the individual investors. TDS is not applicable as of now.

FINZY provides a very simple interest certificate for every financial year mentioning the interest income, FINZY fees, and GST on the fees and write-off and write back if any.

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