altGraaf

Q: What is altGraaf, and how does it work?

A: altGraaf is a platform offering curated high-yield alternative fixed-income investment opportunities across asset classes like corporate debt, invoice discounting, and asset-backed leasing. It democratizes these investments, traditionally accessible only to the ultra-rich, making them available to retail investors.

How it works:

• Sign up and complete KYC.

• Explore curated investment opportunities.

• Invest in diverse, risk-assessed portfolios.

  
  

Q: What types of investments are available on altGraaf?

A: altGraaf provides multiple alternative investment options, including:

• Corporate Debt (Unlisted): IRR of 10%-16% with a tenure of 12-36 months.

• Invoice Discounting: IRR of 10%-14%, short tenures of 1-6 months.

• Asset Leasing: IRR of 14%-22% with 24-48 months tenure.

• Venture Debt: IRR of 15%-18%, with 12-24 months tenure.

These options allow users to diversify portfolios based on risk and returns.

Q: What is the altGraaf Refer and Earn program, and how does it work?

A: The altGraaf Refer and Earn program rewards users for inviting friends to explore high-yield alternative investments. You earn ₹1,500 for your first two referrals and ₹2,500 for every referral thereafter, provided the referred user invests ₹95,000 or more within 60 days of registration. It’s a simple way to monetize your network while helping others diversify their investment portfolios.

Steps to participate:

• Create an account on altGraaf and complete your KYC.

• Share your unique referral link with friends.

• Earn rewards once your friends register through your link and make a qualifying investment.

  
  

Q: Who is eligible to participate in the Refer and Earn program?

A: Any registered user on altGraaf can participate after completing the KYC process and providing bank details. This ensures seamless reward processing. Referrals must be new users who register using your referral link and invest the required amount within the eligibility period.

Q: What makes altGraaf’s Refer and Earn program unique?

A: Here are the some points on altGraaf's refer and earn ralated:

• Unlimited earning potential: Refer as many people as you like without restrictions.

• Generous rewards: Earn progressively higher rewards—₹1,500 for the first two referrals and ₹2,500 for each subsequent referral.

• Easy participation: Minimal effort required—just share your referral link.

• Dual benefits: Both you and your referred friends earn rewards, encouraging mutual growth.

Q: How do I refer a friend to altGraaf?

• Log in to your altGraaf account and navigate to the "Refer and Earn" section.

• Copy your unique referral link.

• Share the link via social media, messaging apps, or email.

• Ensure your friends register using the link and make a qualifying investment to activate the reward.

  
  

Q: What is the minimum investment required for my referral to qualify?

A: Your referred friend must invest at least ₹95,000, either in one opportunity or split across multiple investments, within 60 days of registration to make you eligible for the reward.

Q: How much can I earn by referring friends to altGraaf?

A: Your earning potential is unlimited. For example:

• Referring 10 friends can earn you ₹23,000:

  • (2 referrals x ₹1,500) + (8 referrals x ₹2,500).

• Each referred friend also earns ₹1,500 on their first qualifying investment.

Q: What happens if my referral does not use my referral link?

A: If your friend does not register using your referral link, neither of you will be eligible for rewards. It is crucial for the referral link to be used during the sign-up process to activate the referral relationship.

Q: Will I still earn rewards if I haven’t invested on altGraaf?

A: Yes, you can earn referral rewards even if you haven’t made an investment on altGraaf. The only requirements are that your friend completes the registration process using your referral link, and you complete your KYC and bank details.

Q: Can my friend make multiple investments to reach the ₹95,000 threshold?

A: Yes, investments can be split across multiple opportunities. For instance, if your friend invests ₹50,000 in one opportunity and ₹45,000 in another, they will qualify for the referral program as long as the total is ₹95,000 or more within 60 days.

Q: When will I receive my referral reward payout?

A: Rewards for qualifying referrals are processed monthly. If your friend invests in a given month, your reward will be credited to your registered bank account on or before the 15th of the following month.

Q: What is the validity period for my referral rewards?

A: Referred users must make their first investment within 60 days of registration to qualify for rewards. Investments made after this period will not earn rewards for either the referrer or the referee.

Q: Where can I track my referrals and their status?

A: You can view your referrals, their registration status, and their eligibility under the "My Referrals" section in your altGraaf profile dashboard. This dashboard provides real-time updates on your referral performance and rewards.

Q: What happens if my referral makes an investment after 60 days?

A: If your referred friend invests after 60 days of registration, the referral reward will not be applicable. Both you and your friend will forfeit the reward, emphasizing the importance of timely investments.

Q: Does my referral link have an expiration date?

A: No, your referral link does not expire. However, once your friend registers, they must make the required investment within 60 days to activate the rewards.

Q: Why should I participate in the altGraaf Refer and Earn program?

• Monetize your network: Earn substantial rewards by helping others discover reliable investment opportunities.

• No upfront investment required: Start earning without making any initial investments yourself.

• Dual benefits: Both you and your friends gain rewards, fostering collaborative growth.

• Unlimited earning potential: With no cap on the number of referrals, your earning opportunities are endless.

• Support diversified portfolios: Introduce your network to high-yield, alternative fixed-income investments that can boost their financial goals.

Q: Who can invest on altGraaf?

A: Any Indian citizen above the age of 18 with valid KYC documents can invest on altGraaf. Non-Resident Indians (NRIs) can also invest in specific opportunities like Invoice Discounting, provided they have a valid NRO bank account and complete KYC.

Q: What documents are required for KYC on altGraaf?

A: The KYC process is simple and requires:

• PAN Card

• Address proof (Aadhaar, Passport, or Voter ID)

• Bank account details

Once completed, users gain full access to the platform and can start investing.

Q: What makes altGraaf’s opportunities unique?

A: altGraaf's investment options are:

• Risk-assessed: Thorough internal credit and risk frameworks ensure quality.

• Diversified: Spread across asset classes and industries.

• Secured: Backed by collateral or identified cash flows.

• Accessible: Low entry barriers for retail investors.

These features make altGraaf a reliable platform for high-yield fixed-income investments.

Q: What are the risks associated with investments on altGraaf?

A: While altGraaf offers rigorously assessed opportunities, investments carry inherent risks:

• Credit Risk: Possibility of defaults.

• Liquidity Risk: Difficulty in early exit.

• Market Risk: Dependent on economic factors.

Investors are advised to diversify portfolios and carefully evaluate each opportunity.

Q: How does altGraaf ensure transparency in investments?

A: altGraaf offers complete transparency by:

• Providing detailed opportunity descriptions and associated documents.

• Offering dashboards to track investments in real time.

• Sending periodic updates and performance reports.

Investors can make informed decisions with all necessary information at their fingertips.

Q: What is Invoice Discounting, and how does it work on altGraaf?

A: Invoice Discounting allows businesses to raise working capital by discounting invoices. Investors fund these invoices and earn returns as the invoices are settled.

• IRR: 10%-14%

• Tenure: 1-6 months

altGraaf ensures these opportunities are backed by credible businesses and secure cash flows.

Q: Can NRIs invest in altGraaf opportunities?

A: Yes, NRIs can invest in Invoice Discounting opportunities on altGraaf. They must provide valid KYC documents (PAN, address proof) and have an NRO account for transactions.

Q: What is altSafe, and how does it work?

A: altSafe is a virtual wallet on altGraaf that allows users to:

• Transfer funds for instant investments.

• Manage repayments and reinvestments.

• Withdraw balances to registered bank accounts.

With altSafe, investments are seamless and fast.

Q: How does altGraaf’s "Reinvestment" feature work?

A: Reinvestment allows users to automatically reinvest repayments into similar opportunities.

• How it works:

  1. Opt for reinvestment during the initial investment.

  2. Repayments are reinvested into matching opportunities within 2 days.

  3. Agreements are digitally signed to confirm.

This feature ensures continuous compounding of returns.

Q: What kind of returns can I expect on altGraaf?

A: altGraaf offers higher risk-adjusted returns compared to traditional fixed-income options:

• Corporate Debt: 10%-16% IRR

• Asset Leasing: 14%-22% IRR

• Invoice Discounting: 10%-14% IRR

  Returns depend on the asset class, tenure, and risk involved.

Q: How do I track my investments on altGraaf?

A: Investors can track and monitor their investments through:

• A comprehensive dashboard showing real-time performance.

• Periodic emails with updates on payouts and opportunities.

• Dedicated customer support for inquiries.

Q: Why should I choose altGraaf over traditional investments?

A: altGraaf offers advantages like:

• Higher returns: Compared to FDs and bonds.

• Non-market-linked stability: Not affected by stock market volatility.

• Diverse options: Access to alternative asset classes.

• Ease of use: Simple platform with detailed insights.

It’s ideal for retail investors looking to diversify and maximize returns.

Q: What is the minimum investment amount on altGraaf?

A: The minimum investment varies depending on the opportunity, typically starting at ₹25,000. Each listing specifies the required amount, allowing flexibility for retail investors to build a diversified portfolio.