Invoice Discounting is a short-term financing arrangement where businesses raise funds by selling their unpaid invoices to investors or financiers at a discount. This way companies unlock immediate working capital, while investors earn returns when the invoice is paid. The Growth+ Invoice Discounting offering reimagines it for the Financial Intermediary community. Presented through the RBI regulated PTC (Pass Through Certificate) structure, 100% insurance against default, plus a host of other features, this traditionally institutional strategy has been made into a tech-enabled, mainstream investment option for all investor groups.

In today’s uncertain markets, it’s natural to look for short-duration, stable fixed-income instruments that balance attractive returns with strong risk controls. Invoice Discounting—historically reserved for institutions and HNIs—addresses this need by enabling investors to participate in secured lending against invoices raised to reputed corporates.

How this investment can help you?
Invoice Discounting enhances your portfolio with a smart, goal- aligned alternative to traditional fixed-income investments — combining attractive returns, liquidity, and strong protection.

How Invoice Discounting Works?
A company raises an invoice on its customer with a defined payment date.
The invoice is sold to investors at a discount to receive immediate funds.
Investors fund the invoice and lock in a fixed return upfront.
On the due date, the customer pays the full invoice amount.
Investors receive the payment and earn the discount as returns.

Built-In Insurance
Insurance-backed coverage adds an additional layer of protection to invoice discounting investments by mitigating the risk of payment default by the invoice buyer. In the event of a payment delay or default, the insurance mechanism helps enable recovery of the insured amount (Principal + Interest Earned), thereby enhancing capital safety for investors.