The Power of 13 Karat:
How it Benefits you

Earn High Returns On Your Investments

13Karat offers the potential for attractive returns that often surpass those of traditional investment options. Begin your investment journey with as little as ₹500 and diversify your portfolio to maximize your returns. Unlike conventional investment products like FDs and bonds, 13Karat unlocks higher returns for you. We achieve this by directing your invested amount into a hyper-diversified pool of borrowers sourced by our partner P2P NBFCs. This regulated and secure environment allows retail investors like you to invest confidently.


Mitigate Risks Through Hyper Diversification

Maximizing returns and managing risk through diversification is crucial for your investment portfolio. On 13Karat, your funds will be invested by our RBI-registered P2P NBFC partners. These funds are then allocated to a hyper-diversified pool of borrowers sourced them. Our mission at 13Karat is to empower retail investors like you, to unlock your investment potential while ensuring portfolio diversification.

Unlocking Investment Opportunities For You

13Karat offers retail investors to access investment opportunities that were once exclusive to high net worth and institutional investors. This democratization of investing opens doors to asset classes traditionally out of bounds for small retail investors. By levelling the playing field, 13Karat provides you with a chance to benefit from high-quality investment options and earn higher returns.

13 Karat vs Traditional Investment

  • Annual Returns
  • Risk Level
  • Liquidity
  • Lock-in Period
  • Volatility
  • Taxation
  • Up to 13%
  • Very Low
  • Very High
  • 3 – 6 months
  • Very Low
  • No TDS*

Mutual Funds

  • -5-15%*
  • Medium
  • High
  • Depends On Scheme
  • Medium
  • Capital Gains

Corporate Bonds

  • 9-11%*
  • Medium
  • Medium to Low
  • Depends On Scheme
  • Low
  • As per tax slab

Fixed Deposit

  • 5-8%*
  • Very Low
  • Low
  • Depends On Scheme
  • Low
  • TDS Deducted

*13Karat doesn’t deduct any TDS at the time of withdrawal. However, interest income earned through investments is taxable as per your income tax slab. It falls under the category of 'Other income. We advise you to responsibly fulfill your tax obligations according to the applicable laws.
*Historically 5-8% for Debt based funds and 10-15% for equity-based funds. Above mentioned data is sourced from reputed media publishers.

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