Secured Debt Instruments
Stability Meets Predictable Returns
While equity offers growth, not every investor is suited for its volatility. That’s why Growin curates secured debt instruments designed to offer predictable income with reduced risk.
These fixed-income options are backed by physical or financial assets, providing an extra layer of protection for capital.
Why Choose Secured Debt
Capital Protection
Instruments are backed by assets like property, receivables, or company collateral.
Regular Income
Monthly, quarterly, or annual interest payouts provide stable cash flow.
Low Volatility
Ideal for clients looking to reduce overall portfolio risk while earning steady returns.
Our Offering Spectrum
We work with NBFCs, corporates, and structured bond platforms to source
NCDs (Non-Convertible Debentures)
Asset-backed bonds
Corporate fixed-income instruments with credit ratings
Short-term structured debt with defined exit timelines
Every instrument is vetted for
Creditworthiness
Asset quality and recovery metrics
Risk-reward balance
Example
In 2023, a secured NCD by a top-rated housing finance NBFC offered 10.25% annualized returns, fully asset-backed and paid quarterly — a compelling choice for risk-averse clients.
Risk & Suitability
- Credit risk is minimized but not eliminated — hence due diligence is critical.
- Some instruments may have minimum lock-in periods (6–24 months).
- Liquidity might not match that of mutual funds or liquid assets.
Who This Is For
- Retired or conservative investors seeking income
- Family offices balancing high-growth exposure with fixed returns
- Clients looking to preserve wealth with low-risk instruments