National Pension Scheme (NPS), Market Linked Debentures (MLDs),
P2P lending & Stock.

National Pension Scheme (NPS)

NPS is a market-linked defined pension plan that needs you to keep contributing till 60 years of age. The minimum annual contribution to the pension account is 6,000. Currently, there are three funds to choose from: government securities fund, fixed-income instruments other than government securities fund and equity fund (in this you can’t put more than 50% of your money). At 60, you can have up to 60% of this money in a lump sum and buy an annuity product with the rest (an annuity is a product that gives pension for life).

Market Linked Debentures (MLDs)

Market Linked Debentures or MLDs are structured fixed income products which pays the principal and market linked returns on maturity. The returns are linked to performance of specific market indexes e.g., Nifty, Gold, and G-Sec etc., as specified by the issuer.

MLDs of high credit quality allow you to get market linked returns (as per conditions specified by the MLD) without taking market risks.

These products are complex and suitable for experienced investors, HNIs etc.

P2P lending

The fastest growing peer to peer (P2P) lending platforms in India. It connects investors or lenders looking for high returns with creditworthy borrowers looking for short term personal loans.


Start Investing in Companies that you believe in by investing in stocks in a controlled, secure, and managed environment. Since the stock market brings together hundreds of thousands of market participants who wish to buy and sell shares, it ensures fair pricing practices and transparency in transactions.