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Any individual over the age of 18 years having a valid PAN card can invest.
Note: If you are a corporate investor, please reach out to us at invest@stable-investments.com for making investments.

As an NRI, you will not be able to invest in the opportunities that exist currently on the platform.

Most of the time it will be monthly or quarterly. However it may vary from asset to asset and hence you are requested to check the asset’s detail page for specific information.

A demat account (CDSL or NSDL) helps investors hold shares and securities in an electronic format. It is unique to each market participant, and it is a 16-digit number. The Demat Account Number includes a Depository Participant ID and a Customer number with your depository participant/broker.

If you hold mutual funds, bonds, stocks, etc. check with your depository participant or broker. You will be able to locate the demat account number by going to your profile section or pulling the last statement with your broker.

Examples of depository participants or brokers include Zerodha, Grow, Upstox, HDFC Securities, ICICIdirect, Kotak Securities, SBI Securities, etc.

Repayments would be credited directly into the banking account associated with your demat account

Yes, investments can be made through UPI.

1. Cheaper than raising money through equity investments.
2. Doesn’t involve diluting ownership.

You can register by providing your mobile number and email address. This will give you access to view opportunities listed on the platform. To start investing, you would need to complete your KYC in the simple steps mentioned on your dashboard. Then you are all set to start investing.

We have a simple 4-step KYC process which includes providing your PAN card, address proof (Aadhaar card / driving license / passport), bank details and demat details.

Yes, there is a minimum investment amount for each opportunity.

All opportunities that are listed on the platform pass through our robust credit, due diligence, and risk assessment framework.

However, these investment opportunities carry varying degrees of risk. Under extreme scenarios, though unlikely, there is a possibility of losing 100% of the invested amount. Hence, we recommend that investors understand the risk associated with every opportunity thoroughly before investing.

Diversifying your investments across multiple opportunities is recommended. We also recommend that under no circumstance should an investor invest a majority of their portfolio in a single opportunity available on the platform.

Opportunities with detailed information and associated documents are available post-log-in or sign-up.

We provide both rated (rated by external rating agencies like CRISIL, CARE – typically for larger companies) and unrated investment opportunities for investors on our platform. Unrated products that are offered by us are put through the same stringent internal credit assessment process as any rated products are subjected to.

Stable does not guarantee the returns on any product. However, most of our products are guaranteed by the issuer and the promoters of the issuing companies.

The entire lifecycle of your investments can be monitored through the dashboard.

The units should reflect within 5 working days at the most.

Returns will be credited directly into your bank account on the payout date of each opportunity.

Credit risk – The borrower’s ability to pay interest periodically and principal upon maturity.

Liquidity risk – Ability to exit the investment before the tenure. Unlisted bonds are difficult to sell given the absence of a robust retail marketplace for the same.

Structure risk – The structure of an instrument helps identify what recourse an investor has in case of a default. A secured NCD/bond represents a lower risk compared to an unsecured product.

Yes, once you purchase any Corporate Bond using our platform, these securities will be transferred to your Demat account. You can sell them to any other person if you wish to. Please note that there may be a limited secondary market for these securities and we do not guarantee that you will find a buyer. You can contact us to explore other options in case you need to sell your securities.

Some of the risks associated with corporate bonds include credit risk, default risk, liquidity risk, inflation risk, and call risk.

Credit risk- This refers to when a company fails to make interest or principal payments timely. This is where credit ratings by external agencies (long-term and short-term ratings), which are based on a company’s financial health, come in. Long-term ratings range from AAA to D, with AAA being the best. Some of the examples of external credit rating companies in India include CRISIL, Acute, and ICRA.

Liquidity risk- When the investor tries to sell a bond and doesn’t get the price of its true value, it is called liquidity risk.

Inflation risk- Inflation causes a decline in purchasing power when there is a general rise in the price of goods. The principal payments received by investors will thus be able to purchase fewer goods and services with overtime inflation.

Call risk- It refers to the risks associated with the issuer deciding to “call” the bond, i.e., buy back the bond before the bond’s maturity date, which may cause the bondholder to lose out on future revenue.