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Tag: equity

  • Niyo Money (Goalwise) vs Scripbox: The Top Online Mutual Fund Startups

    In the past few years, many online mutual fund investment portals like Niyo Money (Goalwise) and Scripbox have come about which have simplified the process of investing for individuals. This has been mainly beneficial for investors and now gone are the days where people don’t have to go bank branches in order to be able to invest in Online Mutual Funds.

    However, before you begin investing, you need to do research on which online mutual fund you want to invest in and think about the purpose of the investment and when you need the money back. Based on that, you need to know how much to invest in equity, how much in debt, and how all of this ties in with your financial goals in life. This article will help you choose a mutual fund platform according to your needs.

    Golawise vs Scripbox

    Benefits of Investing in Mutual Funds
    Brief on Niyo Money (Goalwise)
    Brief on Scripbox
    Direct Mutual Fund Investment
    Focused Mutual Fund Selection
    Goal Based Investing
    Glide Path Strategy
    Ease to us
    Transfer Plans
    FAQ

    Benefits of Investing in Mutual Funds

    One of the key advantages of investing in a mutual fund is that each investor (even with a small investment) gets access to professional money management and expertise. Also, it would be very difficult for an investor to create a diversified portfolio of investments on his own with a small amount of money. With mutual funds, each investor participates proportionally in the return the scheme generates.

    Each unit gets a proportional share of gain (or bears loss) from the fund. There is a portfolio report generated for each investor, which tracks all investments and the returns generated by the mutual fund. Investors can draw their money any time they want, also they can invest small amount.

    List of Top Mutual Funds Startups
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    Brief on Niyo Money (Goalwise)

    Goalwise is an online wealth management platform that allows users to buy and invest in direct mutual funds. Goalwise headquarters is in Bengaluru, Karnataka. Goalwise has been a Subsidiary of Finnew Solutions Private Limited since July 2020. Goalwise has received a total of $1Million in funding. Goalwise main competition is Kuvera, Groww, and ETmoney.

    Niyo Solutions acquired Goalwise in July 2020. The company plans to launch international and domestic stocks, Robo-advisory, and auto-invest products in the next few months. Now they have started offering zero commission investment.

    It is a new age mutual fund investing platform which provides goal-based investing for investors looking to invest in direct mutual funds. With Goalwise one can easily set up SIPs or invest a large amount in the mutual funds chosen by its algorithms. If someone is a first-time investor looking to get started quickly as well as experienced investors looking for planning and automation.

    The Goalwise app has features like automation in fund selection and switching, automation in asset allocation based on the goal time horizon. The app is also highly customization to suit the needs of every individual investor.

    Company Name Goalwise
    Headquaters Bengaluru, Karnataka
    Founded On 2015
    CEO Swapnil Bhaskar
    Annual Revenue $1.2M
    Sector Consumer Finance & Credit Cards

    Brief on Scripbox

    Scripbox is an online platform that allows users to invest in mutual funds. Scripbox is headquarters in Bengaluru, Karnataka. The founder and CEO of Scripbox is Atul Shinghal, while the investors including Trusted Insight, Omidyar Network, and Accel Partners. Scripbox’s main competitors are FundsIndia, Fisdom, and Groww.

    As of August 2019, Scripbox has 413.9 thousand fans on Facebook and 2.4 thousand followers on Twitter. Scripbox is a user-friendly app-based investment platform that makes investment completely hassle-free. One can start a SIP or make a one-time investment with the help of Scripbox. It is a great app for beginners as it also automates most of the investment process through its scientific and unbiased fund recommendation. It is the only app which has algorithm that reduces Long Term Capital Gain Tax at the time of withdrawal. Scripbox also generates capital gain tax statement that will us male tax return or annual IT return. Also they do not charge for services.

    Company Name Scripbox
    Headquaters Bengaluru, Karnataka
    Founded On 2012
    CEO Atul Shinghal
    Annual Revenue $1.5M
    Sector Consumer Finance & Credit Cards

    Direct Mutual Fund Investment

    The mutual fund investment you do with the help of a broker or financial advisor includes an extra 1% which is paid to the broker or financial advisor. So some mutual fund plans are called regular plans. You should read about the expense ratio to learn how your broker, commission agent and distributor agent, and distributor make money when you invest in mutual funds.

    With Goalwise, you will be investing only in direct mutual fund plans and will be earning an extra 1% on your overall investment. Scripbox however has an algorithm that creates a basket of ten mutual funds. The firm claims to make mutual fund investment simple and jargon-free for investors with no financial background. It also allows the customer can keep a check on their portfolio from their mobile or computer.

    Types of investments provided by both Goalwise and scripbox

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    Focused Mutual Fund Selection

    One of the challenges of mutual fund investing is to find the right mutual funds to invest in a lot of them are dependent on friends, network, and information on the web to find the right mutual fund. However, the bigger challenge is to know when to get out of a particular fund. Goalwise has a wide fund selection criteria and also tries to solve this problem by using data to suggest mutual funds.

    When it comes to Scripbox it has more than 8000 choices in the market with seasoned investors which will give a tough time in deciding which to invest in. The Scripbox algorithms choose to perform mutual funds basis on their historical performance.

    Goal Based Investing

    Goal-based investing is one of the smartest ways to grow wealth and achieve all your life goals. A lot of the first time users are not aware of goal-based investing and they then focus on growing their money that is what Goalwise is known for as it is goal-based investing. When you tie up your investment with a goal, you are more likely to be happier.

    Scripbox on the other side provides growth with the principle of safety. In scripbox money is first invested in liquid funds. A fixed portion from this is then invested each month in index funds. The benefits of this are:

    • Security and stability similar to FDs
    • Better taxation than FDs thanks to indexation
    • Better returns than FDs
    • Full flexibility to stop or withdraw anytime

    Glide Path Strategy

    The glide path formula is a methodology by which asset allocation is achieved as your portfolio changes every time. Let’s understand this with a simple example from Goalwise and Scripbox :

    In Goalwise: One of your goals is to have 40 lakh for child education in the next 6 years. Based on your risk profile the initial investment will be 60% equity and 40% in debt instruments. All your SIP will be done to get exposure in the 60:40 ratio in the equity debt market.

    By the final year, your exposure on Equity: Debt ratio would be 0:100%. This is to ensure your investment is safe from market volatility and you receive your goal amount, despite the market going down. Goalwise automates this process and makes it easier for you to maintain asset allocation based on your goal time frame.

    Whereas at Scripbox they have a practical action plan in place to create your child’s college education fund. In Scripbox it starts out with the right Financial Goal where they will help you estimate the amount you will need for your goals taking inflation into consideration. After that, they will create a customized financial plan for your child’s college education.

    This plan will be based on the type of college, start date, your current savings, and the potential increase in your income. It will then make the right investments by deciding on the right mix of investments that are suited for the customer’s goals and their personal preferences.

    Ease to us

    The best part about Goalwise apart from being free is, it requires only a one-time setup. It is a complete set it and forget it kind of system. You can revisit anytime and make changes if required. However, the best thing to do is to set it up once and keep investing.

    With Scripbox it is one click investment where one can choose between SIP (systematic investment plan) and OTI (one-time investment) and invest in the recommended top mutual funds in India with a single click. You can stay on track with your investments and also inform you in case you need to change your selection.

    Transfer Plans

    In Scripbox if you want to invest a large amount in equity, If you want to invest a large amount in Equity, but also want to reduce the impact of volatility, this plan is ideal for you. Instead of keeping your large amount in your bank account, park it in liquid funds which grow 2-3% faster.

    And most importantly it is flexible. You can stop, and restart, your STP at any time. In Scripbox the amount is fully invested into Liquid funds. Then, every month, a certain amount is moved from these Liquid funds into Equity funds.

    The transfer plan in Goalwise allows you to switch from regular fund to direct fund. With Goalwise, you could track all your external investments and see which all regular funds you have invested in.  You can also move all mutual funds investment to Goalwise.

    So you decided to start using Goalwise and also move all your funds from other brokers/distributors to the Goalwise platform, you could do that with just a few clicks. If you ever feel you are stuck with your existing mutual fund advisor, a feature like this makes it easier for anyone to take control of their funds.

    FAQ

    Are the mutual funds picked by Goalwise and Scripbox always the most profitable ones?

    Every fund selection process goes through underperformance. As these services use AI, the pick would be the most accurate one. But the stock market is highly volatile, nothing is predictable. There will be ups and downs in the short term.

    What is mutual fund SIP?

    A SIP or a Systematic Investment Plan allows an investor to invest a fixed amount regularly in a mutual fund scheme, typically an equity mutual fund scheme.

    Which one is better Scripbox or Goalwise?

    Goalwise provides you a goal-based investing and it takes no commission. There are no hidden charges and no account opening and managing charges as well. This means it is completely free. Other services like Scripbox use hidden charges to get money. So, Neo Money(Goalwise) is better.

    How does wealth tech company make money?

    They apply hidden charges, account opening, and managing charges. Also the premium plans.

  • How Minance Is Changing Investment Management In India

    The investment landscape in India is fragmented and spilt between the haves and the have not. Over the last decade, India has seen an increase in the inflow of foreign direct investment (FDI). More MNCs have been opening their offices and expanding their businesses here, resulting in a wealth of job opportunities. The Bangalore based Minance has stepped forward to solve the chaotic investment landscape of the country by making three fundamental changes.

    The company is vesting its focus on making investing more accessible, making the process more transparent and finally working towards centralization. Investing for higher returns has become an important factor in the average Indian’s financial planning. While there are many wealth management firms targeting high net worth individuals (HNIs) and their impressive portfolios, there aren’t many players in the market helping the average Indian invest his/her hard-earned savings and realize profits from otherwise idle assets.

    This is where Minance steps in to make a difference. The company aims to change that by helping investors from all walks of life invest in products that were earlier available only to the ultra-rich. Right from financial handholding, transparent dealing of investments through a customer friendly dashboard, to centralization of investments and taxation, Minance is giving the Indian consumer financial independence in the true sense of the term.

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    A brief about Minance

    Minance is a private wealth management firm focused on providing a comprehensive range of investment product for its partners. Minance uses a combination of complex algorithms and fundamental research to guide our investment across derivatives, equity, mutual funds and private equities. Minance was founded in the year November 19th, 2014 by Anurag Bhatia. The vision is to be a one stop solution for investor’s financial needs. The company also provides taxation services and is expanding to insurance, credit, and international equities.

    Minance manages the investments of its partners across a range of asset classes from equities and derivatives to mutual funds and stocks of fast-growing private companies and startups. In just four-and-a-half years, Minance has 3,000 partners and an Asset under Management (AUM) of over $41 Million (Rs. 300 Crore). Bhatia the founder of Minance says that, “Our internal tagline is the money company and we want that to be a reality. To that end, we will soon be expanding into insurance and credit”.

    Anurag Bhatia, the founder and CEO of Minance
    Anurag Bhatia, the founder and CEO of Minance

    When it comes to the history of minance, the company was started when Bhatia was still employed under Amazon. He noticed how a lot of employees who had vested their Amazon stocks but didn’t know what to do with the money. Bhatia who then was known to be the ‘stock market guy’, would help them make a deal in which he would manage his colleague’s investments in return for 1/5 of the profits. This led to Bhatia making a company known as Minance. The company, which initially offered just derivatives, soon gained traction among investors because of its low investment ceiling of Rs 25,000.

    Bhatia became well known after becoming a top writer on Quora. Impressed with his knowledge of the markets, people started pouring in to invest through Minance. The young founder says that he’s been humbled by the overwhelming response to his company. “The journey has been challenging at times. What we set out to do hadn’t been done this way before and we had to build a lot of things from scratch, especially the technology,” he says. Now the investment management firm has around 3,000 partners and has an Asset Under Management (AUM) of over Rs. 300 Crore

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    Standing out in the crowd

    What makes Minance stay ahead is their belief of simply establishing a personal relationship with the people who invest with them. Over the years, the company has managed to build a family of clients who have restored their faith in Minance. Minance has been able to carve out a niche for itself in the competitive market with established players like Tata, HDFC, Future Capital, Kotak Mahindra Capital, Edelweiss stock broking and many more.

    The founder of Minance, Anurag Bhatia says that, “Small retail investors were catered to by mutual funds and the ultra-rich (investments of Rs. 30 Crore and more) went with players like ASK, HDFC, Kotak, etc. We take care of the needs of those in the middle, people who can invest anywhere between Rs. 5-10 Lakh to a few crore”. Minance products are designed in way that they cater to a wide range of risky profile needs. Minance has a product for everyone whether they are a heavy risk taker hungry for return or conservative investor looking for a stable and consistent gain.

    The logo of Minance
    The logo of Minance

    Systematic investments plans (SIPs) are the most popular type of mutual fund as it is easy and convenient, but it comes with a problem as people forget to monitor people forget to monitor them and when market conditions change. Regular monitoring and rebalancing are needed, for which Minance offers managed mutual funds. Bhatia points out that one of the most sought-after products Minance offers is a mutual fund enabled product called Assets Pay Cash, which is designed to generate around 12% additional returns per annum over and above what the mutual fund makes.

    Investing through SIPs in stock are harder since you need to gauge the market and track multiple stocks, which is time consuming. “We are making this easier with our equity product (Bloom). Investors can set up a SIP with us, the money is parked into liquid debt funds while we wait for the right time to deploy. This way your money is still invested and we get to pick the right time to enter the market,” explains Bhatia.

    List of Top Mutual Funds Startups
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    Products offered by Minance

    The products offered by Minance are varied in nature. The company taps into the unlisted/private equity market and carries out quality research on companies that are revolutionaries in their fields. The team at minance is focused on research and they make a point to delve into specifics before pitching an investments to their clients. Assets Pay cash (APC) is another investment strategy risk averse in nature with an aim to have you generate significant alpha above your mutual funds.

    The idea is to collateralize your mutual funds, gain margin and then trade in conservative option positions. With all this, our team of Investment managers and Traders work towards being up to date with the market nuances to make informed decisions for our clients,” he informs. Some of the known products offered by the company are:

    • Bloom – Minance long tern equity product is designed to grow your wealth over a 3 to 5 year period. Both Arbor and bloom feature five risk profiles to balance risk appetite with returns.
    • Arbor – Minance core derivatives product catering to aggressive investors, Arbor is designed to generate returns of up to 35%. The product is market neutral, meaning it will generate returns regardless of the market direction.
    • Private equities – The Company offers shares of promising private companies such as PayTm, Ola Kurlon Mattresses, Nazara, etc.
    • Mutual Funds – The company helps its partners identify and manage the most lucrative funds for a given risk level, based on the efficient frontier theory.
    • Assets pay cash – This lets the partner make 12% more returns on top of their mutual funds with no additional investments.
    • Tax safe – Tax safe is minance online vault which stores user’s tax documents and enables them to file taxes in a fast and hassle freeway.
    • Global Equities – Minance latest product enables its partners to invest in a diverse global portfolio comprising of US tech companies, European manufactures, Asian infrastructure firms and many more.

    A hardworking team

    Minance is backed by a young and self-reliant team that is open to opportunities and willing to learn. Bhatia say that, “Finance at the end of the day is also an empathetic business and if you do not speak to your clients the way you would like to be spoken to, the concept of client service is lost. Our team believes in being honest with our clients.” The aim of the company is to level where it serves the elite Indian crowd.

    The idea is to target the rich customers and help them manage their wealth. Traditional methods of investing have existed for centuries and the team is looking for avenues that could help them bounce from these methods to a more advanced ones. “It’s common to worry when it comes to Futures or Options as products because they are quite complex in nature. But that’s where the trick is the want to figure that out. That defines us,” he concludes.

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    Investments made easy and accessible

    Minance partners have access to all these advantages while being able to maintain complete ownership and control of their money. One of the most popular features is a sure shot investor pleaser and the ability to redeem funds anytime. By allowing complete liquidity, Minance takes away whatever apprehensions investors generally have, which make them wary of investing. Minance also enables its partners to access their accounts anytime they wish to see how their funds are doing.

    It offers a web dashboard through which partners receive updates and insights about the companies they have invested their funds in. This helps them stay in loop without having to set up additional tickets on their desktop. Wealth management is an important concern for people living in a country burgeoning economically, technologically, and in many other aspects. Minance helps investors as well as novices strike this balance and provides them the perfect platform to spread their wings and experience ultimate financial freedom.

  • The Subsidiaries That Make Reliance Industries Successful

    Reliance Industries Limited is an Indian multinational conglomerate company that is headquartered in Mumbai, India. Reliance owns businesses across India engaged in energy, petrochemicals, textiles, natural resources, retail, and telecommunications. Reliance is one of the most profitable and the largest publicly traded companies in India. The subsidiaries of Reliance Industries is what makes it successful.

    It is also known to be the largest company in India as measured by revenue after recently surpassing the government-controlled Indian Oil Corporation. In the year 2020 Reliance Industries became the first Indian company to exceed US$150 billion in the market capitalization after its market capitalization hit  ₹11,43,667 crore on the BSE. It is ranked as 8thamong the top 250 Global Energy Companies by Platts as of 2016.

    Reliance Company Highlights

    Company Name Reliance Industries
    Headquaters Mumbai, Maharashtra, India
    Founded On 1973
    Founded by Dhirubhai Ambani
    Chairman Mukesh Ambani
    Annual Revenue ₹6,59,205 crore
    Products & Services Petroleum, Natural gas, Petrochemicals,Textiles,Retail, Telecommunications, Media, Television, Entertainment, Music, Banking, Software

    The company is ranked 96th on the Fortune Global 500 list of the world’s biggest corporations as of 2020. Reliance continues to be India’s largest exporter as it accounts for 8% of India’s total merchandise exports with a value of ₹1,47,755 crore and access to markets in 108 countries. 5% of the government of India’s total revenue comes from Reliance’s customs and exercise duty. It is also the highest income tax payer in the private sector in India.

    Know all the about the following topics:

    Reliance Shareholders
    Various Operations of Reliance
    Major Subsidiaries of Reliance Industries:

    Reliance Subsidiaries – FAQs

    Reliance Shareholders

    The number of share of Reliance Industries are approximately 310 crores (3.1 billion) and plays a major role in the Reliance industries. The Ambani family only holds 46.32% of the total shares whereas the remaining 53.68% shares are held by public shareholders including FII and corporate bodies. The life Insurance Corporations of India is the largest non-promoter investor in the company with 7.98% shareholding.

    Various Operations of Reliance

    The companies petrochemical, refining, oil, and gas-related operations form the core of its business other divisions of the company include cloth, retail business, telecommunication, and special economic zone development. In July 2012 Reliance Industries informed that it was going to invest US$1 billion over the next few years in its new aerospace division which will design, develop, manufacture, equipment, and components including aircraft, engine, radars, avionic, and accessories for military and civilian aircraft, helicopters, and aerostats, etc.

    Major Subsidiaries of Reliance Industries:

    Reliance Group has 158 +  subsidiary companies and 7 associate companies. Here are some of the most popular Reliance Industries Subsidiaries:

    Jio Platforms Limited

    reliance subsidiaries list
    Facts on Jio | Reliance Subsidiaries List

    Jio is essentially a technology company that is a majority-owned subsidiary of reliance industries. It is one of the top reliance subsidiary companies lists. It was announced in October 2019 and has all digital initiatives and the telecommunication assets being housed under it. This new subsidiary holds all the digital business assets including Reliance Jio Infocomm Ltd.

    Jio Infocomm in turn holds the Jio connectivity business which includes Mobile, broadband and enterprise, and also the other digital assets. Jio apps are the tech backbone and investment in other tech entities like Haptic, Hathaway, and Den networks among others. In April 2020, reliance announced a strategic investment of ₹43,574 crores by Facebook into the Jio Platform.

    This investment translated into a 9.99% equity stake, on a fully diluted basis. Further in May 2020, reliance sold roughly 1.15% stake in Jio Platforms for ₹5,656 crores to the American private equity investor, Silver lake partner. Intel became the 12th company to invest in reliance Jio platform after it invested ₹1,894.50 crores. In July 2020 google announced that it will acquire a 7.7% stake in the Jio platform for ₹33,737 crores.

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    Reliance Retail

    Reliance Group Subsidiaries
    Retail Brands | Reliance Group Subsidiaries

    Reliance Retail is the retail business wing of Reliance Industries. In March 2013, it had 1466 stores in India. It is the largest retailer in India as it includes many brands like Reliance Fresh, Reliance Footprint, Reliance Time Out, Reliance Wellness, Reliance Trends, Reliance Autozone, Reliance Mart, Reliance iStore.

    Reliance Home kitchen, Reliance Home Kitchens, Reliance Market (cash n carry), and Reliance Jewels all come under the banner of Reliance Retail brand. Its annual income revenue for the financial year of 2019 was ₹1.62 billion.

    Reliance Life Science

    This company works around medical, plant, and industrial biotechnology opportunities. It specializes in the manufacturing, branding, and marketing of Reliance Industries products in Biopharmaceuticals, clinical research services, regenerative medicine, molecular medicine, novel therapeutics, biofuels, plant biotechnology, and industrial biotechnology sectors of the medical business industry. Reliance Institute of life science (RILS) was established by Dhirubhai Ambani Foundation as it is an institution offering higher education in various fields of life science and related technologies.

    Reliance Logistics

    It is a single-window company selling transportation, distribution, warehousing, logistics, and supply chain-related products. Reliance Logistics is an asset-based company with its own fleet and infrastructure. It provides logistics services to Reliance group subsidiaries and outsiders. Merged content from Reliance Logistics to here.

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    Reliance Clinical Research Services (RCRS)

    It is a contract research organization (CRO) and a wholly-owned subsidiary of Reliance Life Science, specializes in the clinical research services industry. Its clients are primarily pharmaceutical, biotechnology, and medical device companies.

    Reliance Solar

    The solar energy subsidiary of Reliance was established to produce and retail solar energy systems primarily to remote and rural areas. It offers a range of products based on solar energy, solar lantern, home lighting systems, street lighting systems, water purification systems, refrigeration systems, and solar air conditioners.

    Network 18

    Reliance Subsidiary Companies
    Reliance Subsidiary Companies

    In the mass media company, it has interests in television, digital platforms, publication, mobile apps, and films. It also operates two joint ventures namely Viacom 18 and History TV18 with Viacom and A+E Network respectively. It also has acquired ETV Network and since renamed its channels under the Colors TV brand.

    Relicord

    This is a subsidiary for cord blood banking service which is owned by Reliance Life science. It was established in 2002 and has been inspected and accredited by AABB and also has been accorded a license by the Food and Drug Administration (FDA) Government of India.

    Reliance Jio Infocomm Limited

    Previously known as Infotel Broadband, is a broadband service provider which gained 4G licenses for operating across India.

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    Reliance Industrial Infrastructure Limited

    It is an associate company of Reliance Industries. It holds 45.43% of the total shares of Reliance Industries. It mainly engages in the business of setting up and operating industrial infrastructure. The company is also engaged in related activities involving leasing and providing services connected with computer software and data processing.

    The company set up a 200-millimeter diameter twin pipeline system that connects the Bharat petroleum refinery at Mahul, Maharashtra. The infrastructure company constructed a 71,000-kilolitre petrochemical product storage and distribution terminal at the Jawaharlal Nehru Port Trust (JNPT) Area in Maharashtra.

    Reliance Eros Productions LLP

    Has a joint venture with Eros International to produce film content in India.

    LYF

    It is a well-known 4G enabled Volte device brand from Reliance Retail. It is one of a Jio reliance subsidiaries, the consumer electronics arm of Reliance Industries Limited.

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    Reliance Subsidiaries – FAQs

    How many subsidiaries does Reliance have or how many subsidiaries of reliance?

    Reliance Group has six listed companies.

    Is Jio a subsidiary of Reliance?

    Jio Platforms Ltd is an Indian technology company and a subsidiary of Reliance Industries Limited. Established in 2019, the company owns India’s largest mobile network operator Jio and other digital businesses of Reliance.

    What companies does reliance own?

    Reliance Subsidiaries or subsidiary companies of reliance:  

    • Reliance Communications Limited.
    • Reliance Infrastructure Limited.
    • Reliance Entertainment.
    • Reliance Power.
    • Kokilaben Dhirubhai Ambani Hospital.

    Is reliance a multinational company?

    Reliance Industries Limited (RIL) is an Indian multinational conglomerate company headquartered in Mumbai, Maharashtra, India. Reliance owns businesses across India engaged in energy, petrochemicals, textiles, natural resources, retail, and telecommunications.

    How many branches of reliance company?

    Reliance Retail is the retail business wing of Reliance Industries. In March 2013, it had 1466 stores in India. It is the largest retailer in India.

  • Investors That Make Reliance Retail The Largest Retailer In India

    The Reliance Retail has achieved success and become the Indian largest retailer, because of its investments, the investor demand for reliance retail business is so strong that Mukesh Ambani is putting investors on a wait list. Mubadala an Abu Dhabi based investor has recently decided to invest ₹6,248 crore in the Reliance Retail to get a 1.40% equity stake for its investment.

    This announcement comes day after Silver Lake partners said that it will invest ₹1,875 crore in India largest retailer. In all Reliance retail has managed to raise ₹24,847.5 crore by selling 5.6% stake to private equity and sovereign funds. That includes General Atlantic which will pick up 0.84% stake for ₹3,675 crore and KKR and co which will also invest ₹5,500 crore for 1.28% holding.

    Reliance Retail has a total of 11,784 stores across consumer, electronics, grocery, general merchandise, fashion and lifestyle. And reported a consolidated turnover of ₹1,62,936 crore and net profit of ₹5,448 crore for the year March, 2020. The acquisition of future group retail and logistics business for ₹27,513 crore will add 1,736 Big Bazaar and other stores 28.3 million sq. ft. of retail area across grocery and fashion segments.

    Reliance Industries Limited Success Story [Case Study]
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    A Brief about Reliance Retail

    Reliance Retail is a retail initiative of the group and is a central to our consumer facing businesses. It has is a short time forged strong and enduring bonds with millions of consumers by providing them unlimited choice, outstanding value proposition, superior quality and unmatched experience across all its stores. Reliance retail is the largest retailer in the country.

    Reliance Retail has adopted a multi prong strategy and operates chain of neighborhood stores, supermarkets, wholesale cash and carry stores, specialty stores and online stores and has democratized access to a variety of products and services across diverse segments for Indian consumers. Reliance retail reported a turnover of Rs. 1,30,566 crore for financial year 2018 to 2019. As of 2019, Reliance retail operates 10,901 stores across 6,700 plus cities with a retail area of over 24.5 million sq. ft.

    The various subdivisions of Reliance Retail
    The various subdivisions of Reliance Retail 

    Reliance retail operates Reliance Fresh, Reliance Smart and Reliance Market stores. In the consumer electronics category Reliance Retail operates Reliance Digital, Reliance Digital Express mini stores and Jio stores and in the fashion and lifestyle category it operates Reliance Trends, Project Eve, Reliance Footprint, Reliance jewels and AJIO.com in addition to a large number of partner brand stores across the country.

    Reliance Retail has emerged as the partner of choice for many International brands and has established exclusive partnership with many revered International brands such as Diesel, Superdry, Hamleys, Ermenegildo, Zegna, Marks and spencer, Paul and shark, Thomas pink, Kenneth Cole, Brooks Brothers, Steve Madden, Payless Showsource, Grand Vision and many more.

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    Below here are the recent investments made into the Reliance Retail:

    Saudi Arabia’s Public Investment Fund

    On November 5, 2020, Reliance Retail, raised INR 9,555 Cr ($1.3 Bn approximately) from Saudi Arabia’s Public Investment Fund (PIF), to accelerate the growth of its digital retail empire. It is a record eighth by marquee global investors in Reliance Retail. This investment values Reliance Retail at a pre-money equity value of INR 4.587 lakh Cr (around $62.4 Bn)

    PIF (Public Investment Fund) is one of the largest sovereign wealth funds in the world, which works alongside various global strategic partners and investment managers. It acts as the Kingdom of Saudi Arabia’s primary investment arm aiming toward generating long-term value for the Kingdom of Saudi Arabia

    Mubadala Investment

    The most recent investment was made by Mubadala Investment Company who is investing ₹6,248 crore ($852.84 million) in the Reliance Retail giving the unit a pre-money equity value of 4.29 trillion rupees. The Mubadala’s investment will translate into a 1.40% equity stake in Reliance Retail on a fully diluted basis. This investment by Mubadala pegs pre investment equity valuation of Reliance Retail at ₹4.28 lakh crore.

    Ambani is also replicating funding blitz for the retail unit after selling stakes in Jio Platforms as investors, including Facebook Inc. and Google, bet on his efforts to build a technology giant that offers data, content and commerce. Mubadala had also invested $1.2 billion in Jio Platforms earlier this year.

    Shareholding No of Shares
    Vanishree Commercials Ltd 297,000,000
    Infotel Infocomm Enterprises Pvt. Ltd 36,000,000
    Silver Lake 109,929,733
    KKR 81,348,479
    General Atlantic 53,865,885
    Silver Lake 27,482,594
    Mubadala 91,572,004
    Total Equity Shares of RRVL 6,534,957,216

    General Atlantic Investment

    General Atlantic a leading global growth equity firm decided to invest ₹3,675 crore into Reliance Retail. This investment values Reliance Retail at a pre money equity value of ₹4,285 lakh crore. The general Atlantic investment will translate into a 0.84% equity stake in reliance retail on a fully diluted basis. This marks the second investment by General Atlantic in a subsidiary of Reliance Industries, following a ₹6,598.38 crore investment in Jio platforms.

    Silver Lake Investment

    The Silver Lake would invest ₹7,500 crore in subsidiary Reliance Retail Ventures for a 1.75% stake, valuing the company at ₹4.2 trillion. Earlier in 2020, Silver Lake invested ₹10,202 crore in Jio Platforms, Reliance digital service platform. This however, set the stage for more stake sales by the company including one to PE firm KKR, is also an investor in Jio Platform.

    Silver Lake is a US based Global Technology Investment firm with an asset size $60 Billion. It has 56 portfolio companies and 300,000 employees by these firms. The company has made investment in India with Jio Platform, Byjus and Eka with 10 acquisitions.

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    KKR Investment

    Global Investment firm KKR has also invested ₹5,500 crore in Reliance Retail for 1.28% equity share. This was the second investment by KKR in a Reliance subsidiary, following a ₹11,367 crore investment in Jio Platform which was announced earlier in 2020. KKR investment values Reliance Retail at a pre money equity value of ₹4.21 trillion.

    KKR has also invested $1.5 billion in the Jio platforms, its Co-founder and Co –CEO says that “we are pleased to deepen our relationship with Reliance Industries through this investment in Reliance Retail Ventures. Reliance retail new commerce platform is filling an important need for both consumers and small businesses as more Indian consumers have moved to shopping online”.

    Jio platforms backing Reliance Retail

    RIL had given the option to investors in Jio Platforms to consider backing Reliance Retail as it sought to unlock value, following the acquisition of Future Group’s retail assets last week, persons in the know said. Reliance Retail could look at offloading a 25-30% stake to a combination of private equity firms and tech giants such as Facebook, Google, and Intel, presenting telecom and retail as a potent force in India’s consumption story.

    Along with Jio, retail contributes 35% to Reliance Industries consolidated earnings before interest, taxes, depreciation, and amortization (Ebitda), Mukesh Ambani, RIL’s chairman, had said at the firm’s annual general meeting in July. Reliance has offloaded nearly 33% in Jio Platforms to 14 investors for Rs 1.52 trillion between April and June, emerging as the only firm in the country to go in for a massive monetization exercise at the height of the lockdown.

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    Jio Mart

    The reliance Retail runs supermarkets, India largest consumer electronics chain store, a cash and carry wholesaler, fast fashion outlets and an online grocery store called as Jio Mart. Ambani says that “we will induct global partners and investors into Relaince Retail in the next few quarters”. As the firm was planning to scale up Jio Mart as it new venture.

    Some facts on Jio Mart
    Some facts on Jio Mart

    JioMart, which went live across 200 cities in May has crossed 250,000 in daily orders with the number growing each and every day. Since then daily orders have crossed the 400,000 mark. JioMart was pegged at ₹ 500 per transaction, but Ambani is trying to increase this number by taking the platform into areas beyond groceries, including electronics, fashion, and healthcare.

    The company is also trying to work closely with WhatsApp which is owned by Facebook to boost the reach of JioMart. Apart from small merchants, Reliance Retail would also look to work closely with farmers to source more food items from them, as it seeks to scale up its farm to fork operations. At the same time, Reliance Retail would continue to push its presence into small towns and cities, Ambani said, adding more outlets in these places.

  • Goalwise VS Kuvera: The Top Contenders In The online Investment Market

    With the introduction of large scale adoption of investment applications and online mutual fund platform. These apps helped an average trader avoid the hassle of being physically present with a broking agency or having to invest separately across multiple asset management company websites.

    These apps offer the user all funds and investment opportunities under one roof, revolutionizing the way we invest. Goalwise and Kuvera are two such investments app that have a command over a great share of the Indian online Investment market today. In this article we take a look at Goalwise and Kuvera  and compare their features and rates.

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    A Brief on Goalwise

    Goalwise is an online wealth management platform that allow users to buy and invest in direct mutual funds. Goalwise headquarters is in Bengaluru, Karnataka. Goalwise has been a Subsidiary of Finnew Solutions Private Limited since July 2020. Goalwise has received a total of $1Million in funding. Goalwise main competition are Kuvera, Groww and ETmoney.

    As of august 2019, Goalwise has 1.7 thousand fans on facebook and 184 followers on Twitter. It is a new age mutual fund investing platform which provides goal based investing for investors looking to invest in direct mutual funds. With Goalwise one can easily set up SIPs or invest a large amount in the mutual funds chosen by its algorithms.

    If someone is a first time investors looking to get started quickly as well as experienced investors looking for planning and automation. The Goalwise app has features like automation fund selection and switching, automation asset allocation based on the goal time horizon. The app is also highly customizable to suit the needs of every individual investor.

    Company Name Goalwise
    Headquaters Bengaluru, Karnataka
    Founded On 2015
    CEO Swapnil Bhaskar
    Annual Revenue $1.2M
    Est. Customers 20
    Sector Consumer Finance & Credit Cards

    The logos for Goalwise and Kuvera

    A Brief on Kuvera

    Kuvera is a wealth management platform that offers mutual fund selection, goal planning, tax optimizations and portfolio rebalancing solutions. Kuvera was launched in October 2017 and is headquartered in Bengaluru, Karnataka. The CEO and Co-founder of Kuvera is Gaurav Rastogi and the company has received a total of $4.8 million in funding.

    Kuvera is only available as an app and support 38 out of 44 registered asset management companies. The app has managed to sign on 500 thosand users in the last three years managing assets worth RS 8000 crores. Kuvera has positioned themselves as an AI-led platform, Kuvera says its target market is the affluent and mature investors (above the age of 30), hailing from the top metros in the country.

    The kuvera app is free and does not charge users any free on their direct plans regardless of asset size and only charges the transaction charges as per the cost levied by asset management companies.

    Company Name Kuvera
    Headquaters Bengaluru, Karnataka
    Founded On 2015
    CEO Gaurav Rastogi
    Annual Revenue $3M
    Est. Customers 46
    Sector Internet and Application Software and mutual funds

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    Affordability of Goalwise and Kuvera

    Kuvera offers an affordable loan which is up to 80% of your mutual fund portfolio. With kuvera the mutual funds remain secure with the fund house. There is no fixed loan period and a 1 year loan for auto renews on the 12th month. The Kuvera loans start at ₹25,000 up to ₹10 crore. It provides full disclosure from with no hidden fees.

    Kuvera is also flexible allows you to pay your outstanding loan, in full or in parts, anytime during the loan period. With Goalwise it provides you Zero commissions and unlimited investments. While most advisory platforms provide only commission direct plans for free/no transaction charges, account fees or any other hidden charges.

    Accessibility of Goalwise and Kuvera apps

    The kuvera app has a simple user interface which is easy for new users to understand. Kuvera can kick started with a few easy steps which started with a profile setup by providing details like PAN, Date of birth, mobile number, etc. You can then select investment choose between mutual funds, equity stocks, and gold to start your investment journey.

    Choose you type of investment between SIP and one-time investment and place your order. You can choose to pay through different types of payment modes (net banking, UPI, etc.) Once these steps are done your investments are complete, you can track, change or comprehend your investments through an app.

    The best part about Goalwise apart from being free is, it requires only one-time setup. It is a complete set it and forget it kind of system. You can revisit anytime and make changes if required. However, the best thing to do is to set it up once and keep investing.

    Types of investments that Goalwise and kuvera provide.

    Goal based investing

    Goal based investing in Goalwise is one of the smartest ways to grow wealth and achieve all your life goals. A lot of the first time users are not aware of the goal based investing and they then focus on growing their money that’s is what goalwise is known for as it is a goal based investing. When you tie up your investment with a goal, you are more likely to be happier.

    In kuvera setting a financial goal is the first step to make your dreams a reality. Investing regularly is the next step and they guide you to the next step easily. You can simply choose your goal to get started. The switch or redeem order involves costs taxes on short and long term capital gains and exit load.

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    Mutual Fund services comparison

    Kuvera doesn’t pool investors’ money, instead all financial transactions happen directly between the investor and AMC. So even if kuvera goes out of business, your money is entirely safe and you can redeem it anytime. The same is pointed out in one of the FAQs on their website they say that the money goes directly into mutual funds account so all your investments are safe.

    Goalwise however, goes a step beyond when it comes to mutual funds not only does it offer mutual fund suggestions based on your risk appetite and goal tenure, but it also switches your investments automatically to a better performing fund to maximize your returns. They also have a proprietary Glide Path feature that automatically moves your investments to relatively safer debt funds as you move closer to your goal timeline.

    The features that Goalwise and Kuvera provide.

    Tranfer plans

    The transfer plan in Goalwise allows you to switch from regular fund to direct fund. With Goalwise, you could track all your external investments and see which all regular funds you have invested in.  You can also move all mutual funds investment to goalwise.

    So you decided to start using Goalwise and also move all your funds from other brokers/distributor to Goalwise platform, you could do that with just a few clicks. If you ever feel you are stuck with your existing mutual fund advisor, a feature like this makes it easier for anyone to take control of their funds.

    In kuvera it is available to switch to direct plans with the least tax and exit load impact. Switching to Direct has never been easier or cheaper. You can see the optimal number of fund units to switch or redeem before you transact. It helps make better decisions and also will take care of complexities.

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    Customer service

    On kuvera the complaints are addressed by writing to the Kuvera support team via email, as mentioned above. The customer care team has a turnaround time of 24 hours to revert to any user complaints raised. When it comes to Goalwise a quick look at their Facebook page with 5 on 5 rating will tell you that they have a lot of happy customers. Most of the users are in praise for the customer support of Goalwise which happens over chat, email and whatsapp.

  • Zerodha vs 5paisa: The Top Contenders In The Brokerage Industry

    This stock broker comparison is between two of the biggest discount brokers in India. This article will compare 5paisa and Zerodha based on their brokerage charges, account opening charges, maintenance charges, exposure margin, trading platform and more. This comparison will help highlight the major difference between these two brokers to help you find the best on your preference.

    A brief history on Zerodha

    Zerodha is the biggest private discount broker in India and was founded in the year 2010 by Nitin Kamath. It is known to be one of the best for traders and investors looking for low brokerage, reliable trading platform and easy interface. It has over 2.2 million clients that contribute over 15% of daily retail trading volumes across NSE, BSE and MCX. Zerodha is the largest stockbroker in India and is headquartered in Bangalore. It offers zero brokerage on delivery trading and a flat rate of 0.03% or Rs 20 per executed on other segments.

    Zerodha offers a zero brokerage charges for delivery equity investment and direct mutual fund investments. For the other services like F&O, currency and commodity trades across NSE, BSE, and MCX it offers a flat brokerage of flat Rs 20 irrespective of the trading volume. The number of active clients on NSE is 9,09,008 as of November 2019. The other services it offers it offers Direct Mutual fund investments, Kite APIs.

    Zerodha vs. 5paisa logo
    Zerodha vs. 5paisa logo

    A brief history on 5paisa

    5paisa is a public discount broker that provides you the platform to trade in stocks, futures and other option at the lowest cost of Rs 20 flat per trade, even if you trade 10 crore. It is headquartered in Mumbai and is a part of India Infoline (IIFL). It is leading non-banking financial institution in India with two decade long experience as it was initially incorporated in 1995. 5paisa was relaunched in 2016.

    It was reintroduced new brokerage model for online retail broking services and also got demerged itself from IIFL so that it can get listed on the stock exchange. 5paisa capital started trading on NSE/BSE in November 2017 making it the first to be listed in the financial digital marketplace. 5paisa capital provides a platform for all financial products which include equities, derivatives, mutual funds, commodities, bond and debentures, insurance and personal loans.

    The account opening process for 5paisa is totally paperless based on Aadhaar. 5paisa provides the trading facility in mobile, browser and desktop platforms. The number of active clients on NSE is 1,06,280 as of November 2019. The other services it offers are Mutual Fund Investments, Research reports, etc.

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    The side by side comparison of 5paisa and Zerodha

    5paisa vs Zerodha Charges and AMC

    5paisa trading account charges is Rs 650 while Zerodha takes Rs 200 as account opening charges. 5paisa Demat Account AMC (annual management charges) charges is Rs 540 which is charged at Rs 45 per traded month and Zerodha Demat account AMC charges is Rs 300.

    Types of AMC 5paisa Zerodha
    Trading Account Opening Charges ₹650 ₹200
    Trading Account AMC Charges free free
    Demat Account Opening Charges free free
    Demat Account AMC Charges ₹540 (₹45 per trade) ₹300

    About brokerage plans and brokerage charges

    Both the platforms do not provide multiple, monthly or yearly plans and only offer single broker plans. But when it comes to brokerage plan details 5paisa is a discount broker which charges a flat fee of Rs 20 per executed order for equity cash and equity F&O, including currency and commodity. This is the lowest brokerage plan offered by the offered by the best brokerage house in India. Zerodha on the other hand, charges Rs 20 or .03% whichever is lower for equity intraday, F&O, currency and commodity. No other upfront brokerage or turnover commitments on your trade.

    Brokerage Charges 5paisa Zerodha
    Plan Name Flat Fee Rs 20 Trading Plan Max Rs 20 per order Trading Plan
    Equity Intraday, Futures, Options Flat Fee Rs 20 0.03% or Rs 20 whichever is lower
    Currency Futures, Commodity Trading Flat Fee Rs 20 Flat Fee Rs 20
    Call & Trade Charges Rs 100 per call(No limit of orders) Rs 50 Per Executable Order

    Demat account opening charges

    This table shows the difference demat services that both the broker services provide and its charges.

    Demat account 5paisa Zerodha
    Demat Account Opening Fee Nil ₹50 (Stamp charges payable upfront)
    Demat Account AMC ₹540 (Charge ₹45 per traded month) Individuals/Non Individual – ₹300 + GST Non Individual – Corporate – ₹1000
    Dematerialisation Charges ₹15 per certificate + ₹40 as postal charges ₹150 per certificate (+ ₹100 Courier charges)
    Rematerialisation Charges ₹15 per certificate or ₹15 for every 100 securities or part thereof whichever is higher + ₹40 for courier ₹150 per certificate + CDSL charges + ₹100 Courier charges
    Transaction Charges (Debit or Sell) ₹12.50 per transaction per script • Market Trades: ₹8 + ₹5.5 •Off-Market Trades: 0.03% of ₹25 whichever is higher

    Order Types

    The main Orders that all the broker platforms offer are CNC order (cash and carry), MIS order (margin intraday squareup), NRML order (normal margin). There four types of orders Cover orders provides additional margin and are placed  for an compulsory stop loss and this is a intraday position. The second one is the Bracket order where you lock in a profit by bracketing an order with two opposite side orders. This will help you get a higher margin and limit your loss.

    The third order is the after market order that are sent to exchange on the next day. The last one is GTC which are Good Till Cancelled order, which means you can buy or sell equity limit orders and your orders will remain in the system until its executed.

    Order Types 5paisa Zerodha
    CNC, MIS and NRML orders yes yes
    Cover order and Bracket order yes yes
    AMO-After Market Orders yes yes
    GTC-Good Till Cancelled yes yes

    Investment offering

    Investment offers contain Equity Derivatives (on both exchanges NSE/BSE), Commodity Trading (both brokers offers this on MCX), Online Mutual Fund Investment (offered on online mutual fund investment option) and Portfolio Management Services (both the brokers don’t offer this).

    Investment Offering 5paisa Zerodha
    Equity Cash and F&O yes yes
    Currency Deravitives and Commodity yes yes
    Mutual Funds and ETF yes yes
    Bond / NCD yes yes

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    The PROS and CONS of Zerodha

    PROS:

    • Free equity delivery traders. No brokerage charges for Cash-N-Carry orders.
    • Zero brokerage charges for delivery trading across segments and exchanges with a maximum brokerage of Rs 20.
    • Excellent trading platforms (KITE) available for free.
    • Easy and fast online account opening with simple and flat brokerage model in all other segments and exchanges BSE, NSE and MCX.
    • Over 10 lakh active customers and 10% of daily volume at BSE, NSE and MCX.
    • Zerodha Referral program offers 10% brokerage share to clients you refer.
    • Good Till Triggered (GTT) order are available which are similar to orders.
    The premium options offered by Zerodha
    The premium options offered by Zerodha

    CONS:

    • Doesn’t provide stock tips, research reports or recommendations.
    • Call and trade is charged at extra Rs50 order and auto square off is charged at extra Rs 50 order.
    • Doesn’t offer 3 in 1 account.
    • Doesn’t offer unlimited trading plans and AMC free demat account.

    The PROS and CONS of 5paisa

    PROS:

    • Flat fee brokerage. Pay just Rs 20 per executed order with no worries about the size of the trade.
    • Free trading software including 5paisa mobile app and trading terminal.
    • Up to 20 times exposure in intraday trading and 4 times more exposure.
    • 3.5 times more exposure in derivatives Intraday Trading.
    • It is the cheapest broker, flexible brokerage plans and research reports available but at an extra cost.
    The premium options offered 5paisa
    The premium options offered 5paisa

    CONS:

    • Call and trade is charged at Rs 100 per call in addition to the brokerage. Any number of trades can be placed in one call.
    • Research and advisory is available at extra cost.
    • Higher exchange turnover charges in comparison to other popular discount stock brokers.
    • Higher demat debit charges Rs 25 per transaction.
    • NRI trading and Demat account is not available.
    • Doesn’t offer commodity trading.

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    The premium services offered by zerodha and 5paisa

    Zerodha, being the biggest discount broker in India has over 22 lakh clients which is because of trust and brand value. Moreover, initiatives like educational facility (Varsity), investment in IPO’s from the same dashboard, free direct mutual fund investments, etc create more value for its clients.  Zerodha has got a bigger range of partner products that help traders and Investors like Streak, Sensibull, Learn app, etc.

    Whereas on the other hand, a few known advantages of 5Paisa over Zerodha is that they offer Research reports and robo-advisory to their clients, which Zerodha doesn’t have. However, this facility by 5Paisa is offered only to its clients with higher plans. In addition to that, the multiple flexible brokerage plans offered by 5Paisa can also be a little advantageous for volume traders.

  • Raise Startup Funding without Losing Equity

    No shocker here: Money is the bloodline of any business. As a startup every business needs access to capital, whether for product development, renting office or inventor and hiring the first staff. But lack of funding is one of the biggest challenges among many others which a startup founder has to face. Once an entrepreneur has idea, they look for angel investment as the primary source of investment. However, this is one of the last things he/she should try. Raising fund for startup is frustrating and time consuming. Even if you’re lucky enough to raise a round, you risk losing control in your own company by sharing equity with the investors.
    Here we present you a comprehensive guide that lists 10 funding options for startups that will help you raise capital for your business without losing equity.

    It all starts with you: Personal Financing

    Starting a business is risky, and in many cases this level of risk is what prevents traditional lenders to finance entrepreneurs. This is made even more difficult if the startup owner hasn’t invested any of his or her own money. In the idea/experimental stage, you can use your own financial resources, such as money from a savings account or careful use of personal credit cards. If possible try to sell products and services to generate some to keep going form start. This method also validates the idea that there is a need of your product in the market and people are ready to pay for it.

    If you have savings or own your home and are willing to refinance or take out a second mortgage, then these are options you should definitely explore if you’re comfortable with the potentially bad consequences.

    Friends and Family

    It’s often said that you should never go into business with family, but that doesn’t mean you can’t borrow money from them, right? If you don’t have your own savings or credit cards – or you do, but your growing business needs additional funding – all is not lost.Yourfriends and family have a vested, personal interest in watching you succeed. This might make them more willing to invest in your business, especially in the beginning. Consider inviting family and friends to invest in the company with the understanding that their money may not be returned.
    This is also a smart way to raise fund as unlike institutional investors it’s easy to convince them and there is not much song and dance involved in getting the fund. In most cases, these friends and family are investing in you, not your business. Both parties should think of this investment as a grant with no strings attached. If the enterprise succeeds, a reward to these risk-takers would be a nice gesture. Taking money from friends and family, however, can be tricky, and all of the pros and cons should be scrutinized before deciding to use this method to generate funds.

    Crowdfunding

    A similar method as P2P, crowdfunding help you to get people to invest in “your solution” in exchange for some rewards (other than money). Currently, it’s one of the most popular way to get funds as the money is not repaid. The rewards for donors range from receiving your first products to having a product named after them. Crowdfunding is very emotional and its success is based on the appeal of your idea. Popular sites that facilitate crowdfunding are Kickstarter and Ketto. Each site has its own pros and cons so before associated with one better investigate.

    Loans

    Getting a loan for a young startup that has not launched yet is near impossible, unless you have the collateral (personal assets) to assure the bank that they will not go empty handed when you default on your loan. This is definitely the most unpopular choice among Startups. This does not, however, mean that you are out of options to fund the growth of your company.

    Start a side project

    Although this is not a very good idea to do. But this is what the founders of AirBnB were in a similar position in the early months of their startup. They had a bit of cash coming in, but not enough to sustain themselves. Their backs were against the wall. They started brainstorming ideas to bring in extra income during the Democratic National Convention. What did they come up with?

    Obama’s and Captain McCain’s Breakfast Cereal

    They hustled. That breakfast cereal idea brought in an extra $30,000 in needed cash and helped build a company worth over a billion dollars.

    Product Pre-Sales

    If your business is based purely on the selling of a single product, the easiest way to raise the money to produce the product may be to pre-sell it. By pre-selling your products, you can be sure not to make too many and have a warehouse of unsold goods. It also keeps you aware that there are consumers relying on you to follow through.
    This level of pressure can be a little intimidating for some entrepreneurs, so take time to consider the ramifications of collecting money before providing a product. You will need to have a solid timeline in place and adhere to it. Otherwise, customers might demand their money back, which could lead to a variety of problems.

    Micro Financing

    In this small loans up to $10,000 are granted by institutional to individual who would not normally qualify for a traditional bank loan. Loans are based on your experience, passion, market opportunity and sales. Organizations include Accion USA, Grameen Bank and Kiva. Remember: It is a good alternative if you have an appealing idea and need a small about of money.

    Business plan competitions or other contests

    When all else fails, try to win the money! There are a lot of regional and national level competitions giving away substantial amounts of money. There are numerous hackathons, business plan contests, and relevant awards for small businesses and startups around the country. The trick is to find the one that makes sense for your business. There may be specific contests for your alma mater, city, or state. Check your school’s center of business or entrepreneurship or your city/state economic development center to see if there’s a contest right for you.
    Remember: This is really show business that loves a great idea and very competent team. You also need to be a good presenter.

    Believe it or not, there are organizations out there that offer monetary rewards—or even financing—for businesses and entrepreneurs who enter some contests. Eligibility requirements, entry fees and judging criteria vary widely. But if you have confidence in your idea and your pitch, this might be the way to get some cash.

    Peer to peer lending (P2P)

    It is now possible to go online and get funding from people you do not know at sites such as Prosper.com and Lending Club. The amount paid for the loan depends on your credit score, the economy, the length of the loan and “yourstory.”
    Remember:P2P loans are not easy to get and the interest rates can be very high.

    Factoring

    This method allows you to sell your accounts receivable to a third party (i.e.The Receivables Exchange) for immediate cash. It’s a $150 billion industry and goes back to the ancient time of Babylonia. Remember: Factoring is expensive since it can cost upto 15% of the receivable. This may work for a growing company, but is not a method of financing for a company that is shrinking or losing money.

    Purchase Order Financing

    Many different factors can affect business’s cash flow, including seasonality and supply and demand. For example, some companies may find themselves unable to fulfill a large order due to a lack of funds to purchase the materials needed to produce the goods. In these instances, purchase order financing might be the answer.

    A purchase order financing organization will essentially extend an advance so the organization can purchase the materials it needs today and then collect back the money once the goods are sold. Companies that most often qualify for purchase order financing are those that deal in manufactured goods—not services—and that stand to make a margin of 20% or more on the sale.

    So, this was out list on how to raise money without losing Equity. However, Money shouldn’t be an objection when you’re starting a company. Be creative. Use your resources and do things that don’t scale.