Click HERE for HINDI version Click HERE for GUJARATI version
Hi Friends,
Do you know the secrets of the RICHER folks ? They have the knowledge and wisdom to make their money make more money of its own!
And... Do you know that with an
inflation rate and the after effects of the lock downs especially during the COVID-19 times the personal finances have shaken up
beyond our imagination?
The most loved tool of money
multiplication of the major population of our nation is losing its charm and literally
depreciating our funds lying in our bank accounts. The FIXED DEPOSITS ...
yes... a tool which makes only 1 entity RICHER... THE BANK or the BANKER who
owns it and not you / we of course. Although the safety offered by an FD is
maximum but it does not have a capacity to beat this inflation.
(Y)Our money... reduces its
purchase power gradually.
Here is an opportunity for all of us to grab smaller pieces of the CAKE that has an icing of some extra % of
interest with moderate risks. We are not talking about the stocks' or commodity market and the mutual funds.
What an opportunity is it? Let's
first understand with an example...
There is a Large Masala Soda
Drink maker company that purchases bottles as raw material from a small
manufacturer. They have an agreement that the company will pay in full amount
after 90 days of the credit period from the day they purchased the bottles. Now let’s say
for the mathematical ease we take Rs.1000/- as an amount of the total
bill/invoice that gets generated from that bottle maker.
Now here the situation is that
the bottle maker has to run his routine business too. He has to pay for the operational
expenses, labour expenses etc. That bottle maker then searches out for an INVESTOR who
is ready to pay him INSTANTLY ! The bottle maker tells him “I
cannot wait for 90 days practically, can you become the MIDDLE MAN? You take my
bill/invoice, I will offer you a discount. You give me Rs.970 instead of Rs.1000 right away and get yourself
full amount of Rs.1000/- from the Masala Soda Maker Company after their 90 Days
of credit period. That INVESTOR agrees.
Deal Done! Both are Happy!
That INVESTOR accepts the deal,
pays Rs.970/- to the bottle maker against a BILL / INVOICE of Rs.1000/- and
after 90 days gets Rs.1000/- paid from the Masala Soda Maker company! Earns a profit
of Rs.30/- in the period of 3 months out of his investment of Rs.970/- which
actually is around 12% per year(annum) return on his investment!
This is called BILL DISCOUNTING or an INVOICE DISCOUNTING!
Now with the progress of Digital
Technology and Smart Phones we in India also have some of the authorised and
approved companies operating as a platform for small SELLERS and small INVESTORS
to avail both the facilities.
1.
A BILL/INVOICE SELLER (like that Bottle Maker in above example) who will look out for an INVESTOR...
2.
An INVESTOR, who can
invest with small amounts and purchase the Bills / Invoices on which he can earn higher rate of return (as compared to the Fixed Deposits and some other Savings
Schemes)...
And if you are a small business
owner or just a start up or even thinking to start a small business, why would
you like to RUN behind the lenders who will charge higher rates of interest on
the LOANS ? Instead you too can be smart like that bottle maker and SELL your
Bill/Invoice to an enthusiastic INVESTOR !
You can try the platform for any / both of your purposes... Borrowing or Lending! I am sure we all are
wise enough to read the Risk related documents provided in each of the deals
before investing your money in those. Rs.50,000/- is usually the minimum amount
to start with and maximum is roughly around Rs.10,00,000/- for an INVESTOR.
Don’t forget to share your
thoughts and share this post with your friends, someone may really be looking
for an INVESTOR or a good INVESTMENT opportunity!
Bye for now, take care...
Ujjaval Vaishnav
Click HERE for HINDI version Click HERE for GUJARATI version
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