Safe, but stagnant
Fixed deposits & bonds
Growth potentialLow, rarely beats inflation
If the market fallsNot affected
Your involvementSet and forget
Slowly losing purchasing power.
Equity-linked growth. Your capital, protected.
Participate in the upside of India's leading indices, with capital-protected structures that return your principal in full at maturity. Built for investors who won't choose between growth and security, and expect to see the risk, clearly, before they commit.
15,000+ investorson the Perccent app
₹10 lakh minimumper investment
Rated issuersPP-MLD rating on every deal
Post-tax viewshown before you commit
Stop compromising on your capital.
Fixed income barely keeps pace with inflation. Direct equity keeps you up at night. Capital-protected MLDs are the third path, with the growth of the market, without the exposure that comes with it.
Growth, with the swings
Direct stock market
Growth potentialHigh, but unpredictable
If the market fallsYou take the full loss
Your involvementHours tracking charts
Daily swings and constant watching.
The third path
Perccent MLDs
Growth potentialLinked to market upside
If the market fallsPrincipal back at maturity
Your involvementNone, structured and left to work
Protection is subject to issuer credit risk.
What changes when your capital is protected
Principal protected
Peace of mind that's actually earned
Markets will swing. Your principal comes back to you in full at maturity, so the daily noise stops being your problem.
Zero watching
Your time back
No charts to watch, no analysis to run. The structure is built once and does its work in the background.
Market-linked
Growth that outpaces fixed income
Aim for returns beyond what FDs and bonds offer, with capital you can put toward a goal, a legacy, or the next thing you're building.
Post-tax shown
Clarity on what you'll actually keep
We show you the post-tax picture on every deal, so there are no surprises at maturity.
Defined outcomes, in every market
Say your capital is linked to the Nifty 50 through one of our structures. Here's exactly what happens to it in each scenario, including the trade-off, stated plainly.
If the Nifty 50 falls 20%
₹10 lakh
from the MLD, against ₹8 lakh invested directly
Held to maturity, the structure is designed to return your full principal. The ₹2 lakh loss is the one you don't take.
The protection is the issuer's promise, not a government guarantee: if the issuer defaults, you may not recover all or part of your investment.
Built on the Perccent platform and the diligence behind it
An MLD is only as sound as the platform that structures and stands behind it. With Perccent, the asset comes with the infrastructure, the oversight, and the people to guide it.
- 15,000+ investors on the platform
Perccent is already trusted by thousands of investors across India and the NRI community. The same platform, curation, and support, now brought to market-linked debentures.
- Highly-rated issuers, ratings shown
We work with strongly-rated credit institutions and display the issuer's rating on every deal, so you assess the risk yourself, before you commit.
- A dedicated MLD dashboard
Track your structures, follow the underlying index participation, and see upcoming maturities clearly, in one place.
What protection covers, and what it doesn't
Five things to understand before you commit. The first is the one to read first.
Issuer credit riskPrincipal protection is the issuer's promise, not a guarantee.
What it meansIt is not a government or deposit guarantee. If the issuer defaults, you may not recover all or part of your investment. That is why every deal shows the issuer's credit rating, and why the rating is the first thing to read.
A quiet marketIf the index is flat or falls, you may earn nothing for the full term.
What it meansThe protection returns your principal. It does not add a return when the market doesn't. Compare that against what the same money would have earned in a fixed deposit over the same years.
Holding to maturityMLDs can be hard to sell before they mature.
What it meansPlan to hold to maturity. Protection applies at maturity, and a sale before then depends on finding a buyer at a price you may not like.
How the payoff is builtThe structure rests on derivatives and mathematical models.
What it meansThese may or may not be hedged, and actual results can differ significantly from what the models expect. Returns are shown on an annualised basis, and current and past valuations are published on the issuer's and the valuer's websites.
TaxGains are taxed at your slab rate, however long you hold.
What it meansMLD gains are treated as short-term capital gains regardless of holding period, under section 76 of the Income-tax Act, 2025, formerly section 50AA, in force since 1 April 2023. Take your own tax advice for your situation.
Current tranche now open. Limited capacity.
These are private placements, so each issuer tranche has a fixed capacity. When a tranche fills, it closes, and the specific terms of that deal close with it. If a current structure fits your goals, it's worth reviewing while the allocation is open.
Don't commit to a structure you haven't compared. Request the active deal pipeline, with participation terms, underlying indices, maturities and issuer ratings for every open tranche, side by side, so you can assess them properly before you talk to anyone.