Dexif

Dexif is a cutting-edge fintech platform re-engineering India’s fixed income markets by enabling seamless, transparent, and accessible trading of fixed-income securities for both retail and institutional investors. The company operates in the financial services sector, focusing on bridging the gap between companies seeking to raise debt capital and investors looking for stable, yield-bearing opportunities.

Products & Services

• Fixed Income Marketplace: Digital platform for trading and investing in a wide range of fixed-income securities, including bonds, non-convertible debentures (NCDs), government securities (G-secs), treasury bills (T-Bills), sovereign gold bonds (SGBs), certificates of deposit (CDs), and pass-through certificates (PTCs).

• Custom Credit Solutions: Tailor-made credit offerings for businesses, such as NCDs, term loans, and direct assignments, to efficiently raise capital at competitive rates.

• Secondary Market Trading: Enables investors to buy and sell fixed-income securities in the secondary market with transparent price discovery and liquidity support.

• Tech-Enabled Credit Assessment: Advanced technology for credit evaluation, portfolio diversification, and real-time risk-reward analysis for investors.

• Integrated Ecosystem: Connects borrowers and investors, streamlining end-to-end processes from registration and sourcing to execution and disbursal.

• Partner Network: Collaboration with established and new-age financial channels to source best bids/offers and ensure efficient deal execution.

• Investor Tools: Portfolio management, diversification options, and access to a broad range of issuers across investment grades.

Business Model & Revenue Streams

Dexif operates a dual-sided marketplace and technology platform, generating revenue from both companies seeking to raise capital and investors trading fixed-income securities:

• Issuer Fees: Charges companies (including NBFCs and corporates) fees for raising capital via non-convertible debentures (NCDs), term loans, and other debt instruments listed on the platform.

• Investor Transaction Fees: Earns fees from investors (retail and institutional) who wish to trade or offload their securities by matching them with prospective buyers on the platform.

• Secondary Market Trading: Facilitates secondary market transactions in fixed-income securities, earning commissions on each trade.

• Value-Added Services: Offers advanced credit assessment, portfolio management, and analytics tools, potentially as premium features for investors and financial institutions.

Customer Segmentation

• B2B (Borrowers):Corporates, NBFCs, and financial institutions seeking efficient, transparent access to debt capital markets.

• B2C (Investors):Retail and institutional investors looking for diversified, stable fixed-income investment opportunities across risk profiles.

• Partners:Market intermediaries, distributors, and ecosystem partners participating in the fixed-income trading revolution.

Growth Strategy

• Technology & Platform Expansion: Scaling the tech stack to handle massive transaction volumes and streamline user experience.

• Regulatory Compliance: Securing OBPP and debt broker licenses from SEBI to broaden product offerings and ensure regulatory alignment.

• Market Penetration: Expanding user acquisition across India, targeting both retail and institutional segments, and deepening partnerships with established and emerging financial players.

• Product Innovation: Continuously launching new fixed-income products, enhancing credit assessment tools, and improving liquidity solutions.

• Talent Acquisition: Attracting top talent from leading financial institutions to drive innovation and operational excellence.