What do mean by lock-in and Flexi-lockin?
``Flexi lock-in`` permits partial withdrawals or modifications during a specific period, but with some conditions or fees.
Lock-in is a period when an investment cannot be withdrawn without penalties, providing stability but limiting liquidity.
Risk Factors You Should know
Counter Party - Mitigation
Fund Flow structure is similar to MFS Escrow & Trustee Mechanism and therefore funds never flow to LiquiLoans Balance-sheet / Bank Account
Concentration Mitigation
High Diversification (5-10x of Debt MFS i.e. Less than 0.5% Exposure to 1 Borrower) and therefore even in crisis, high diversification minimises impact due to NPAS
Credit Risk Mitigation
xposure only to Safest i.e. Creditworthy Retail Borrowers (Avg. 700+ CIBIL Score) and therefore lowest NPAs, as borrowers sourced have high ability & intent to repay
Interest Rate Risk Mitigation
No correlation to interest rate movements and therefore no MTM and volatility.
Alignment - Mitigation
LiquiLoans earns NO Fees/Income till the Investor earns full Capital +Return and therefore 100% Alignment, whereby investor's interests are fully safeguarded
What makes this product safe?
High-quality Retail Borrowers
High-quality Retail Borrowers
High Margin of Safety: 13% +
