Investment:
Innomax invests in high-potential startups, providing them with the financial backing needed to realize their vision. Our investment process includes:
- Evaluating your startup’s scalability and market potential.
- Offering seed and early-stage funding.
- Connecting you with co-investors and venture capitalists.
- Long-term financial and strategic support.
What is investment?
Investment refers to putting your money in an asset with the aim of generating income. Financial investments come in different forms, such as mutual funds, unit linked investment plans, endowment plans, stocks, bonds and more. However, the primary goal behind all investments remains the same, i.e., to increase the value of your invested money.
How does investment work?
Types of Investments
There are multiple opportunities to invest in India. It is important to choose the one that aligns with your requirements. You can consider factors such as returns, risk, lock-in period, flexibility of investing money and withdrawing at times of need, and more.
Unit Linked Insurance Plans (ULIPs)
A ULIP is a life insurance plan that helps you save money as well as provides you with a life cover. It provides you with market-linked returns to fulfil your financial goals and a life cover to secure your loved ones financially in case of an unfortunate event. ULIPs offer you the flexibility to invest in equity, debt, or a combination of both funds as per your risk appetite. You can choose the amount you want to invest regularly in your ULIP. With a mandatory lock-in period of 5 years, ULIPs are best suited for the long-term investment horizon.
Savings/endownment plans
An endowment plan is a life insurance plan that offers fixed returns along with a life cover. These are low-risk plans that help you save regularly for your future financial goals. You can choose the amount you want to invest regularly in your plan. The returns from these plans are not market-linked and hence, are free from market-related volatility. Depending on the type of plan you choose, you can receive the returns from the plan as lump sum or regular income.
You may consider investing in an endowment plan for your non-negotiable goals, such as your child’s education or marriage, buying a house, and more.
The premiums paid under the policy are eligible for deduction up to 1.5 lakh p.a. subject to conditions under Section 80C of The Income Tax Act, 1961. The returns are also exempt subject to conditions prescribed under Section 10(10D) of The Income Tax Act, 1961.
Public Provident Funds (PPF)
You can invest in PPF through your bank or the post office. The returns on PPF are slightly higher than prevailing interest rates from banks. PPF investment comes with a lock-in period of 15 years. The minimum investment amount is ₹ 500 per annum, and the maximum is ₹ 1.5 lakh per annum. The contribution to PPF is eligible for tax deduction as per conditions mentioned under section 80C of the Income Tax Act, 1961. Returns recovered from PPF are exempt under the Income Tax Act, 1961.
Fixed deposits
A fixed deposit is a type of investment. You can deposit an amount as a fixed deposit with your preferred bank and earn fixed returns. They are low-risk investment options and come with a lock-in period.
Stocks
Investing in stocks refers to purchasing shares of listed companies. This requires an understanding of the stock market and carries high risk. The returns are market-linked and can be affected by market-related volatility.
Mutual funds
Mutual funds are market-linked instruments. Professional fund managers usually manage investments in mutual funds. You can select from a large number of options which include equity, debt or a mix of both funds. The investments can be made as lump sum, or in a periodic manner. The returns from mutual funds are market-linked and hence, are affected by market conditions.
The difference between savings and investment
Savings and investment are two different aspects of financial planning. Below are some key differences between the two:
This is the money you set aside from your income for a particular goal, such as buying a car, travelling, staying financially prepared for an emergency, and more. The risk associated with savings is minimal. However, savings do not offer any considerable growth of money.
When you invest your money in the right way, it grows in value and provides you returns. Your investments can be used to fulfil your financial goals such as buying a house, your child’s higher education, and more. Investments also carry a risk that may vary for different investment products.
Why should you invest in investment plans?
The need for investments cannot be stressed enough. While systematic savings can ensure that you have enough funds for a financial emergency, investments make sure that you do not lose out on the value of your money.
Inflation can reduce the worth of your money with time. A commodity that costs ₹ 10/- today can cost ₹ 50/- five years from now. Therefore, simply saving your money is not enough. You need to invest it so that your funds grow with time.
Investment plans can offer you high returns over time to build wealth and cater for your long-term objectives.
Low-risk investments
The risk is negligible, but the return on investment may also be less than medium and high-risk options. These include instruments like government bonds, corporate bonds, treasury notes, and more
The rate of return is moderately high here
These investments offer the maximum potential for growth. These include instruments like mutual funds, innomaxstartup, equity, and more
FAQ"s
What types of startups does Innomax invest in?
We invest in high-potential startups with scalable business models, innovative solutions, and a clear vision for growth, spanning various industries.
What is the typical investment size offered by Innomax?
We provide seed and early-stage funding, typically ranging from [insert range, e.g., $50,000 to $1,000,000], depending on the startup’s requirements and potential.
How does Innomax evaluate startups for investment?
Our evaluation process includes assessing your startup’s market potential, scalability, team strength, competitive edge, and financial feasibility.
Can Innomax connect startups with other investors?
Yes, we actively connect startups with co-investors and venture capitalists to ensure they have the resources needed to scale effectively.
Does Innomax provide strategic support beyond funding?
Absolutely. Along with financial backing, we offer mentorship, market insights, and strategic guidance to help startups achieve their goals.
What industries does Innomax focus on for investment?
We are sector-agnostic but primarily focus on startups in technology, healthcare, sustainability, education, and other innovative fields.
How long does it take to receive funding after applying?
The timeline can vary, but our streamlined process usually takes 6–8 weeks from initial application to funding approval.
Do I need a minimum revenue to qualify for investment?
Not necessarily. We evaluate each startup individually and focus on scalability and vision rather than current revenue alone.
Can startups apply for multiple rounds of funding from Innomax?
Yes, we support startups through multiple funding stages as they grow, ensuring sustained financial and strategic backing.
How do I apply for funding with Innomax?
You can apply by filling out the [application form/link] on our website. Our team will review your submission and contact you for the next steps.