Private Credit & Real Estate Debt
Being the lender instead of the depositor. Sound mid-sized companies pay 12 to 20% to borrow, secured. A private credit fund puts you on the lending side.
By Yash Jhaveri, Founder & CEO, Beyond
Beyond · JSL Wealth Management · Vadodara · ARN XXXXX
Last reviewed September 2026 · Regulatory position as at September 2026
What it actually is
A Category II AIF, also available through GIFT inbound, that lends directly to performing companies and real-estate projects. Secured, covenant-protected loans that banks are too slow or too rigid to write. Interest comes back as regular payouts. Principal returns as loans mature.
The job it does
- Double-digit income without equity volatility
- Regular quarterly/semi-annual cashflow
- Diversifying the debt book beyond FDs and bonds
Why people use it
- Contracted returns — repayment schedules, not market moods
- Security cover and covenants on each loan
- Low correlation with equity markets
What can go wrong
- Illiquid — capital is committed for the fund’s tenor
- Credit risk: defaults hit returns directly; underwriting is everything
- Fees and carry sit between the headline yield and you
Does Private Credit & Real Estate Debt belong in your architecture?
Seven questions narrow thirteen structures to a shortlist.
Long-Short SIFs
The Shock Absorber
GIFT IFSC / LRSGIFT City & Global USD
The Second Passport for Capital
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