Aditya Group Bond

India

  Fixed returns of 8% – 15%

  Income or Capital gain

  Secured against real estate

Aditya Group Bond

India

  Fixed returns of 8% – 15%

  Income or Capital gain

  Secured against real estate

Home » Aditya Group Bond

Product Information

Investment Details

Corporate bonds offered from an established group of companies in India with a 35 year trading history.

The bonds are offered from a Singaporean entity (SPV) which has been professionally structured with the guidance of CMS (one of the top 10 legal law firms in the world).

The bonds are asset backed, meaning that they are secured. The security is in fact the favoured asset class, real estate, and these assets have been “ring fenced” in a separate company, thus ensuring that they are not subjected to any issues arising from other business.

The properties have had full due diligence reports carried out confirming them to be unencumbered, and have been subject to a lengthy valuation process by CBRE (the worlds leading real estate company).

These assets are now placed in an escrow arrangement with CC Associates (a long standing Indian law firm).

All of this has been structured to give our clients peace of mind over the security of the investment.

The total amount being raised against the properties will be a maximum of 65% of the CBRE valuation.

Furthermore, an audit has been carried out on the largest part of the business to confirm the client’s ability to pay the agreed returns. The audit was processed by KPMG (a world-leading professional services provider).

Product Description

At Emerging Trends Advisors, we have always set out to source the best investment products possible for our clients. This proved easier said than done, which led us to take the step further and begin to structure our own products, of which the Aditya Group bonds are the first of a few similarly structured options to be released by us in the near future.

All a result of over a year’s worth of extensive research, networking, due diligence and incorporating a corporate structure to enable us to offer the products both legally and safely to our investors. 

After researching the globe and the different market conditions we became excited about India, as it was the only country that we found that met the following criteria: 

  1. One of the worlds major economies.
  2. A fast growing economy.
  3. An economy that we were confident would continue to be both strong and stable in the future.
  4. One that has a high base rate of interest.

Simply put, the cost of borrowing money in India is 10%-15% even when offering plenty of collateral. Let’s confirm that again, secured lending or ‘taking out a mortgage’ as more commonly known, will cost you between 10%-15% per annum in interest. 

These percentages will seem very high to most of us, especially where in the western world we are used to the banks giving us anything between 0% and 3% on our savings!

We saw a fantastic opportunity. Our aim was to bridge the gap between the low earning west and India, where people are being forced to pay interest of 5 times the amount and more.

We all know that the banks have huge power when it comes to the financial laws and India is no different. Needless to say they there are lots of legalities preventing us from developing a product that allows westerners to step in place of the Indian banks. Therefore, in order for us to legally ‘crowdfund mortgages to Indian companies’ we had to be very careful and invest a considerable amount of time and money to ensure a legal, safe and secured solution.

We engaged with CMS, one of the world’s largest and most established legal firms, to advise us on the investment structure and contracts. We also engaged with KPMG, a world leading audit firm, and CBRE, the worlds largest real estate company, to carry out audits and valuations on before we would consider providing them with a solution to their current expensive mortgages. 

We are now 100% confident that we have a perfectly legal way to basically ‘crowdfund mortgages’ to cooperations in India, and that we have done the same extensive and comprehensive due diligence on our borrowers that even the most stringent banks would of performed to ensure that their lending criteria would have been met. 

We believe this product is the best option when considering risk versus reward than anything on the global market today and that whilst the interest rates in the west and India remain around these levels, it’s time to take advantage of the structure that we have put in place. 

The education section of the group has a total valuation of US$81 million.
* Property Valuation of US$57 million (CBRE 2018)
* Business Valuation of US$24 million (KPMG 2018)

Website: http://www.adityagroupindia.org

Terms & Conditions

All returns are paid monthly (regular returns) or at the end of the investment term (capital gain).

YearsRegular ReturnsCapital Gain
38% p.a.30%
59% p.a.60%
1010% p.a.150%

 

• Investments are calculated in INR (alternative currencies available subject to promotional Terms & Conditions).

• All collateral asset title deeds will be held in Escrow during the investment period by C&C Associates – leading advocates and solicitors in New Delhi-India, with associate offices in Singapore, UK, Australia.

• All collateral assets are valued by CBRE (www.cbre.com) -The largest multinational commercial real estate services and investment firm in the world.

• Legal contracts and coorperate structure were advised by CMS who we worked very closely with to ensure the product was both legal and secure.

• The product infrastructure and banking is managed by Tectona Advisory, a Singaporean investment management company.

• Audits have been carried out by KPMG to ensure responsible lending.

Aditya Group

Aditya Group is a business house established in 1984. Over the years the group has had diversified interests from construction to hospitality, to health care and most famously education.

Presently Aditya Group’s core business is its management business that is currently managing over a dozen businesses spread across 4 countries with over 1,000 staff on our books. We offer anything from managing a company’s sales or marketing campaign to fully comprehensive management Service.

Today Aditya Group boasts a total valuation of over $150m USD with real estate assets worth approximately $100m USD.

We are strong in hospitality with numerous restaurants and bars around Kolkata as well as a hotel. We are also very active in media with our very own production house and still have a strong interest in construction with our long standing and reputable construction company that has many successful projects under its belt.

Aditya Group is most famous for education though, since 1994 Aditya Group’s founder, the late Mr. Bhaskar Aditya started his philanthropic journey into the education sector and set up the Dum Dum Education Society, a nonprofit organization that Mr. Bhaskar originally funded with the proceeds from the groups other businesses, a legacy that the next generation of the Aditya family Mr. Anirban Aditya and Mr. Ankit Aditya are still following to this very day.

This has truly been a remarkable journey and hundreds of thousands of kids have benefited from the overwhelming generosity over the years.

At present, the group successfully runs a group of English medium schools spread over 8 different campuses across the city of Kolkata catering to over 9,000 students in all. Such has been the investment over the years, that the society now boasts a real estate portfolio of over $50 million USD.

Ambition and motivation have always been the two things that have fuelled the group and today it is no different. With plans for expansion in every sector of the group, we are on course to grow again significantly over the next 2-3 years.

‘Aditya Group & Mr. Anirban Aditya’ made the selection for one of “India’s Greatest Brands & Leaders 2017-18 – Process Reviewers PwC PL.”

Website: https://adityagroupindia.org

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  Fixed returns of 8% – 15%

  Income or Capital gain

  Secured against real estate

  Fixed returns of 8% – 12%

  Income or Capital gain

  Secured against real estate

Make an Enquiry

Use the form below and a member of our team will get back to you shortly.

Average response time is 1-2 hours…