Investoprime Services Pvt Ltd is a company based out of Mumbai, Investoprime was established in the year 2023 by Ms. Perpetin Ashwin Roche and Ms. Jyoti Shigwan. Both the founding directors bring with them extensive knowledge of Indian Financial Markets and experience in the field of fixed income and taxation.
Perpetin and Jyoti in the past have worked extensively in the fixed income markets and have dealt with a wide range of institutional investors such as Nationalized Banks, Mutual Funds, Insurance Companies, Financial Institutions, Co-operative banks Pension Funds and Retirement benefit funds.
The company is head quartered Mumbai; the company is engaged in providing fixed income solution to its clients in the secondary market.
Investoprime Services Pvt Ltd focuses on the distribution of Government of India Securities, State Government Securities and Corporate Bonds to its customer base.
To be the most trusted and preferred financial services provider for our clientele.
We aim to deliver our services with the highest standards of integrity, transparency, and professionalism. Our vision is to become a reliable financial partner to leading institutions and retail customers across the country.
To build investor confidence in the fixed income markets by promoting transparency, and operational efficiency. We are committed to creating a trusted and efficient investment environment that supports long-term growth and value for all stakeholders.
We are deeply embedded in the Indian debt capital markets, offering comprehensive services across:
Government securities (G-secs) are debt instruments issued by the Indian government to raise capital, offering investors a relatively safe way to earn regular interest income and diversify their portfolios. They are classified as short-term (e.g., Treasury Bills) or long-term (e.g., dated Government bonds). The Reserve Bank of India (RBI) issues these securities on behalf of the Government of India and auctions them in the primary market, which is then available for purchase by retail investors.
G-secs carry sovereign guarantees, meaning they have negligible default risk and are considered one of the safest investment options.
Most G-secs provide a fixed coupon rate (interest) paid periodically, offering a steady income stream.
G-secs help governments fund their budgetary needs and operational expenditures. For investors, they offer a way to diversify portfolios and reduce overall risk due to their low-risk nature.
Short-term securities with maturities of less than one year, issued at a discount and redeemed at face value.
These are long-term bonds, often with fixed coupon rates and specified maturity dates.
State Development Loans / State Government Securities (SGS) as they are more commonly known, are issued by the State Governments to fund their fiscal deficit. Each state can borrow up to a set limit. SGSs service their interest at half-yearly intervals and repay the principal amount on the maturity date.
The RBI manages these SGS issues. RBI also makes sure that the SGSs are serviced by monitoring payment of interest and principal. The RBI has the power to make repayments to SGSs out of the central government allocation to states. The Reserve Bank of India maintains a fund that provides contingent liabilities arising with respect to borrowings by undertakings of the state. SGSs are relatively illiquid compared to the Government securities (G-Secs) and that can be seen in the daily traded volumes.
Lack of liquidity can be attributed to low outstanding stock of multiple SGSs, It is also because insurance companies and provident funds hold a major proportion of the outstanding issues and they are largely hold to maturity investors.
Corporate bonds, also known as non-convertible debts, are issued by organizations and businesses to fulfill the financial requirements for everyday operations.
Companies, not governments, issue corporate bonds to raise funds for business activities like expansion.
Most corporate bonds offer a fixed interest rate (coupon) for the life of the bond, providing predictable income.
Each bond has a specific maturity date, at which point the principal amount (face value) is repaid to the investor.
Agencies like S&P, Moody's, and Fitch assign credit ratings to bonds based on the issuer's creditworthiness, indicating the likelihood of repayment and potential default.
There's a direct relationship between risk and return; higher-rated (safer) bonds offer lower interest rates, while lower-rated (riskier) bonds provide higher potential returns.
Many corporate bonds are traded on secondary markets, allowing investors to sell them before maturity and access their capital, offering exit flexibility.
Investing in corporate bonds can diversify an investor's portfolio by adding a different asset class that is not directly correlated with the stock market.
Some corporate bonds include a call feature, allowing the issuer to redeem the bond before its maturity date. This typically happens when interest rates fall, allowing the company to refinance debt at a lower cost.
Certain bonds are backed by collateral, such as real estate or equipment. If the issuer defaults, the investor has a claim on the collateral.
Certain bonds are backed by collateral, such as real estate or equipment. If the issuer defaults, the investor has a claim on the collateral.
Companies, not governments, issue corporate bonds to raise funds for business activities like expansion.
Most corporate bonds offer a fixed interest rate (coupon) for the life of the bond, providing predictable income.
Each bond has a specific maturity date, at which point the principal amount (face value) is repaid to the investor.
Agencies like S&P, Moody's, and Fitch assign credit ratings to bonds based on the issuer's creditworthiness, indicating the likelihood of repayment and potential default.
There's a direct relationship between risk and return; higher-rated (safer) bonds offer lower interest rates, while lower-rated (riskier) bonds provide higher potential returns.
Many corporate bonds are traded on secondary markets, allowing investors to sell them before maturity and access their capital, offering exit flexibility.
Investing in corporate bonds can diversify an investor's portfolio by adding a different asset class that is not directly correlated with the stock market.
Some corporate bonds include a call feature, allowing the issuer to redeem the bond before its maturity date. This typically happens when interest rates fall, allowing the company to refinance debt at a lower cost.
Certain bonds are backed by collateral, such as real estate or equipment. If the issuer defaults, the investor has a claim on the collateral.
While fixed rates are common, some bonds may have floating rates that change with a benchmark interest rate.
The Reserve Bank of India conducts weekly auctions in the primary market, where investors can place bids to buy G-secs.
G-secs are also listed on exchanges and can be bought and sold like stocks in the secondary market.
