Peer to Peer Lending in India

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Peer-to-peer (P2P) lending is a method of debt
financing that enables individuals to borrow and lend
money without the use of traditional Banking system.
Usually, a person who is looking to invest (Lender)
his/her money lends it among borrowers looking for a
short term credit. This is where Peer to Peer Lending
platforms act as a platform for investment.

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3 important factors which make P2P lending different from
other investment options:

• Compounding Interest through monthly cash flow- P2P lending

is an instrument which fetches monthly cash flows with interest
payments. This interest earned can be reinvested to earn
compounding interest.

• Solid returns- Sustained high returns on investment make P2P

lending a sought-after investment option for fixed income
investors.

• No volatility - Traditional instruments such as equity, forex,

commodity etc. have high volatility inherent to them, resulting
in notional or actual losses. P2P lending offers zero volatility
with expected high returns.
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RBI’s guidelines have addressed some of the key concerns of the
industry and cleared many unregulated practices. RBI
regulations are as follow:

1. P2P Platform will only serve as mediators for matching and

originating loan deals between lenders and borrowers.
2. Lenders can lend a maximum of INR 10,00,000 across P2P
lending platforms
3. All P2P must ensure confidentiality of customer data and
offer complete transparency in its operations.
4. Need to submit regular financial reports, loan arrangement
deals, a summary of complaints filed by borrowers or
lenders with RBI.

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Growing demand and improved technology with easy
access to mobile gave boost to Peer to Peer Lending
platforms in India. Average returns on LenDenClub are
around 27.1%.

It’s easy to invest with LenDenClub, you just have to

register as a lender by providing basic KYC information.
Rs.500 is the one time registration fees.
One can start investment with as low as Rs.500.

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Thank You

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