Aspero – The Ultimate Fixed Income Investment Platform

Sarath Bhaskaran, Business Head at Aspero, in his article explained the importance of fixed income as an investment category and how the recent regulatory clarity around online bond platforms comes as a blessing, as it will fuel faster adoption of fixed income securities in India.

While the policies around the fixed income investment category help increase the investment penetration into this space, the complementary aspect of making it easy to invest across the funnel, right from access to bond options to make real-time offers on issuances, making allocations, and securely tracking investments will be crucial to make it successful. 

Keeping these aspects into consideration we have built our fixed income platform for Retail Investors, wealth managers, IFA etc. We asked ourselves that if we can shop online seamlessly, invest in stocks / mutual funds with a click of a button, why can’t you invest into fixed income securities with the same ease, seamlessly, securely and in a digital fashion.

Aspero is built on following principle and capabilities 

Complete Digital Journey

One of the key challenges in today’s fixed income securities investment process is reliance of different stakeholders, manual taks etc.. Our platform has digitised the entire journey from onboarding a wealth manager to onboarding their clients, KYCs, exploration of different fixed incomes options, making a bid / offer, trade management, execution and tracking of trades

The partners at all stages of the process / journey are well aware of where they are in the process and are provided with the nudges and suggestions to make their journey seamless

Completely Automated

A lot tasks in the current investment process are repetitive which doesn’t add value to the partners life, increases cost by manual interventions and makes the client experience sub par. We have automated a lot of activities that will help the partners provide excellent customer service to the investors. 

Activities like automated cashflow generation, order & deal slip generation, maturity event notifications, trade settlement are driven by the platform basis different pre-defined event triggers and communicated to via multiple communication channels i.e. emails, on-platform, notifications etc. 

Two-sided Marketplace

One of the key challenge in the fixed income investment space is the availability of liquidity. From day one we have built the platform in a way that we can operate it as a two sides marketplace with control on the quality of investor experience. Securities can be invested through the platform and in case of liquidity requirement can also be listed to sell

Safe, Secure & state of the art infrastructure

Safety & Security of data and processes is in today’s world is paramount. The platform adheres to all the safety, security guidelines and we have state of the art technology that powers the platform. 

How to Invest in Bonds on Aspero?

• Head over to invest.aspero.in or download the Aspero app from the Google Play Store or App Store
• Enter your mobile number and verify your OTP to complete the sign up process
• Start your KYC journey by verifying your email, PAN, address, Demat account and Bank Details. This process should take roughly 3-4 minutes and no document upload is required via our CKYC journey.
• If all your details are filled correctly, your KYC verification will be complete within 24 hours and you are all set to invest on Aspero

Commonly Asked Questions about Aspero

• What documents do I need to start investing on Aspero?
• You can simply log in to the platform with your phone number, verified by OTP. With our all-new zero document upload KYC journey, you no longer need to upload any documents to complete your KYC on Aspero. However, in case you’re unable to verify your KYC via the CKYC method, you may keep your CMR copy of your Demat Account as well as your Aadhar Card number handy to complete KYC and start investing. 
• What are the payment methods available on Aspero?
• We are currently accepting payments from customers through UPI apps, such as Google Pay, BHIM UPI, PhonePe etc and Netbanking with most major banks available on the platform.
• How do I check the status of my payment/order on Aspero?
• Please go to the ‘Orders’ section on your app.
• You can check which of your orders are open and settled separately with an update on the payment cited below the asset name. Click on the asset you want to check the status on. The status will reflect under ‘Tracking Details”
• Once the bond matures, how do I get my money back?
• On the date of bond maturity, the principal along with the return will automatically be deposited to your linked bank account within 5 business days by the issuer. In case you do not receive the amount within the stipulated time period, please write to us at support@aspero.in

• Is it safe to invest in bonds via Aspero?
• Aspero is a wholly owned subsidiary of Yubi (CredAvenue Private Limited) and a SEBI registered OBPP holding a Stock Broker (BSE) license, Depository Participant (NSDL), Research Analyst and Merchant Banker entity. It functions independently as an online bond platform provider in the debt segment. All the securities purchased via the Aspero platform are directly transferred into your demat account. Aspero functions only as an online facilitator and no securities are held by the platform.

At Aspero, we’re committed to helping you make informed investment decisions and help you find good investments for all your great aspirations. If you’re new to the world of bonds, check out Aspero fixed income academy, to get answers to all your questions on bonds, how to evaluate bonds, types of bonds available, taxation of these securities etc. 

Investing in bonds via Aspero offers a comprehensive and strategic approach tailored to meet the diverse needs of investors. Aspero stands out for its robust risk management framework, ensuring your investments are safeguarded against market volatility. Aspero’s commitment to transparency, with clear reporting and regular updates about key issuers on the platform builds trust and confidence in their services. Choosing Aspero means partnering with a firm dedicated to optimizing your bond investments through innovation, expertise, and a client-centric approach. With Aspero, you are not just investing in bonds; you are investing in a secure and prosperous financial future.