Copyright Faircent 2020. All rights reserved.

Congratulations! You are now a part of India’s largest P2P lending platform and the first to receive the
Certificate of Registration (CoR) as an NBFC-P2P by the RBI

OUR PROMINENT INVESTORS

Copyright Faircent 2020. All rights reserved.

 Faircent is currently present in 400+
Maintains a wide distribution
cities and is expanding rapidly to
network covering multiple cities
cover all of India

Offers extensive loan products from It offers various product variants –

Personal to Home loans, thereby Personal Loans, Business Loans,
building a diversified portfolio Term Loans and targeted Short-term
Loans – to help lenders build a
diversified portfolio
Fractionalization: Banks target
many Borrowers to spread their risk Using technology, Faircent enables
Lenders to fractionalize loans and
lend to many borrowers, thus
averting risks
By following these best practices, ensuring extensive Borrower selection criteria and taking
prudent measures to mitigate risk, Faircent.com helps Lenders earn like a Bank.
 With 17 Lakh+ borrowers, 2 Lakh+ lenders and largest choice & volume of loan products available on the platform,
Faircent gives you a tried and tested opportunity to get good returns on your investments.

As a lender, earn high returns by directly investing in loans of individual

borrowers. By removing banks from the middle, you get their margins. Build a
diversified portfolio and start earning like a pro. Thousands of High &
new loan requests Stable
per month Returns

Take Advantage of:

• Fast, transparent and convenient tech-enabled processes to manage
Large pool of 1Lakh +
hundreds and thousands of loans vetted borrowers registered
lenders

• Real-time data & analytics to earn even more

•Invest as low as ₹500/- per borrower to have a low exposure to one Invest as low
as ₹ 500/-
borrower and manage your risk per borrower

• Stable returns with limited volatility

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● Every borrower is identity-checked, credit-evaluated and ● High risk to low risk spread available for the discerning
risk-assessed investor
● Physical verification at both residence and office ● Unrated Borrowers: Includes those with limited credit
● Understanding ability, stability and intention to repay loans history listed at high return on investment

➢ eKYC, CIBIL data ● Various loan products – daily, weekend, short-term,

education, consumer loans - launched regularly to
➢ ITR, Bank, Social & Psychometric/linguistic data provide more choice
➢ More than 400 data points accessed and evaluated
across 120+ parameters
● In-house algorithm selects only 10% of the borrowers who
apply for loans
● All documents submitted are verified for forgery using
state-of-the-art technology

Copyright Faircent 2020. All rights reserved.

Faircent.com provides a tech-enabled platform to help you
make higher returns in a more efficient and timely manner.

You can access your Faircent.com dashboard by logging in

to your account either through your desktop or through the
Faircent App.

• Log on to your Faircent account from your Desktop or App.

• The landing page is your dashboard.
• Faircent App helps you invest and stay updated on the go.
• Download the Faircent App from your mobile app store. NOW!

Copyright Faircent 2020. All rights reserved.

 Before you begin your journey of investing on the platform, transfer the amount you wish to invest to your virtual account linked
to Faircent.com’s Lender Escrow account.

The minimum amount for your first recharge is ₹25,000 and for subsequent recharges the minimum amount
is ₹5,000. Your virtual account can be funded through NEFT or directly through the dashboard using Net banking/Debit card,
PayTM Wallet or UPI by clicking on the “Add Money” icon.

Steps to fund your Virtual Account using NEFT:

Step 1: Log in to your bank account

Step 2: Use the below details to add “Fairassets Technologies Inda Pvt Ltd Lender Funding Escrow AC” as a beneficiary
*Unique Virtual Account number: Beneficiary name: IFSC Code:
FAIRLF<@lender10digit unique investment id> Fairassets Technologies Inda Pvt ICIC0000106
Ltd Lender Funding Escrow AC

Step 3: Transfer the amount you wish to invest through the platform to this virtual account.

*Account details are also available in your escrow passbook.

Please log in to your bank account from the desktop. The virtual account number might not work on certain bank’s app downloaded on a smartphone. Please cross-check
and ensure that you enter the correct virtual account number.
UPI payments should only be done through the Faircent App or website and not through any other gateway like Google Pay or Bhim etc. Service provider charges are applicable.
The Faircent.com Lenders Escrow account has been established under the trusteeship of IDBI Trusteeship Limited
(ITSL) - jointly promoted by IDBI Bank Ltd., LIC of India, and GIC of India. ITSL acts as a trustee and executes all
financial instructions given by you through your Faircent dashboard.

Funds are transferred directly from your virtual account to the borrower's bank account as per instructions
given by you. Similarly, all repayments from your borrowers are credited directly into your virtual account
linked to the Escrow account every month.

Money can be easily withdrawn from the virtual account linked to your Escrow account by giving
instructions through your dashboard. It will be transferred to your bank account within 24 banking hours.
At all times, you will be in full control of your money.

The escrow account enables secure, seamless and fast transfer of funds, requiring least human interface creating
higher efficiency.

Faster disbursal of funds means faster repayments that can lead to higher earnings.

Copyright Faircent 2020. All rights reserved.

 Log In to your account to access your Select Auto Invest from left navigation on your
dashboard and Browse Borrowers dashboard & enter amount you wish to invest

Select Borrowers: Study all info provided & Select Auto Invest strategy – Aggressive,
choose borrowers across risk buckets, Balanced and Conservative – depending on
location, age group, loan purpose etc. your risk appetite and return expectation

Fund Borrowers: Spread small amounts across Basis the Auto Invest strategy selected by you
a large number of loans to fractionalize the system will spread your investment across
high, mid to low range loans

Copyright Faircent 2020. All rights reserved.

 Auto Invest helps you build a diversified portfolio at
optimum returns easily, quickly and in a more efficient
manner.

You no longer need to spend time browsing Borrower

profiles to find loan requests that meet your criteria.

With Auto Invest, our tech-enabled, fully-automated

system will invest your funds amongst loans based on
your investment approach. Aggressive, Balanced or
Conservative strategy has been created to match risk
appetite to reward expectations.

Copyright Faircent 2020. All rights reserved.

A legally binding loan agreement is signed between the borrower and all his lenders which can be used in court
in case of default.

Loan Disbursal begins only after three conditions are fulfilled

1) The borrower is at least 75% funded,

2) Legally-binding loan agreement has been signed by the Borrower

3) Security cheques have been collected from the borrower.

Once the above requirements are met, the funds are transferred from the Lender’s Escrow account to the Borrowers
bank account. EMI dates are fixed at either 1st, 5th and 10th of the month

For loans disbursed before the 15th of a month, EMIs are payable from the month following the disbursal
e.g. Disbursal Date: March 12th, First EMI payable in April.

For loans disbursed after the 15th of a month, EMIs are payable 2 months from the disbursal month.
e.g. Disbursal Date: March 27th, First EMI payable in May.

Copyright Faircent 2020. All rights reserved.

Equated Monthly Investments All repayments are transferred The money in your virtual
or EMIs are calculated on a to your virtual account linked to account can be transferred
reducing balance method and your Lender Escrow Account either to your bank account or
are received every month reinvested

With both principal and interest accruing month on month, re-investing EMIs leads to compounding benefits and
results in higher returns. Data shows that reinvesting can lead to up to 10% higher net returns.

Lenders must factor in a default ratio while computing expected NAR (Net Annualized Returns). Even though we
try our best to mitigate risks, defaults can and do happen.

Copyright Faircent 2020. All rights reserved.

P2P Lending provides
monthly income in the form of EMI.

The EMI, when re-invested earns

further returns that add to the
returns already made through the
original investment, resulting in a
compounding effect.
Is compliant with RBI regulations and was the first platform in India to receive the Certificate of Registration
(CoR) as an NBFC-P2P from RBI

Provides a tech-enabled platform for Borrowers and Lenders registered on the website to connect with each
other.
Ensures the quality of Borrowers registered on the platform
Encourages lenders to spread risk by building a diversified portfolio spread across pre-verified borrowers
and various loan products
Ensures all transactions are through an Escrow account with SEBI registered Trustee approval

Facilitates collection and recovery on best effort basis

Follows a 3-level risk mitigation process to help lenders earn more at lower risk
 Pre-Evaluation
• Algorithm-driven automated credit evaluation mechanism adopted to screen borrowers.
• Data verified through third party sources.
• Physical verification at work and home.
• References collected from borrowers.

Post-Borrower Listing
• Borrower data shown transparently in the listing to enabled informed decision making.
• Choose from a broad range of interest rates basis risk evaluation from low to very high.
• Facilitates legally-bound loan agreement between lender and borrower.
• Holds borrower’s security cheques – to enable lenders to initiate criminal proceedings in case of default.

Process-driven risk mitigation

• Transactions through Escrow account with SEBI registered Trustee approval.
• Limits investments by a single lender to 20% of a borrower’s total loan requirement or ₹50,000/- whichever is lower.
• Fractionalization, i.e. putting small amounts across large numbers, helps spread risk. On Faircent.com you can
invest as low as ₹500/- per loan.
• Wide range of borrowers and loan products – pool to group term – to help diversify portfolio.

Copyright Faircent 2020. All rights reserved.

 In compliance with regulations, we do not guarantee fixed or minimum rate of return or principal amount
to any Lender.
Faircent only connects Lenders and Borrowers listed on its website and charges a service fee. We only
facilitate the decision-making process by providing relevant information about the borrowers and
lenders to each other.
Lenders must make their own informed decisions and transact accordingly, free of any coercion or
any form of influence from Faircent. Any decision taken by the Lender based on information provided
by Faircent.com is the sole responsibility of the Lender and Faircent is not liable.
We do not give any financial advice or recommendations to either borrowers or lenders on this forum.
We only facilitate the collection and recovery process and are not liable in any manner for any default of
the borrowers.
Faircent is only an ‘Intermediary’ under the provisions of the Information Technology Act, 1999.
We encourage all borrowers and lenders to read the Faircent Policy and Terms and Conditions before
investing. Contact us for any clarifications.

Copyright Faircent 2020. All rights reserved.

In October 2017, RBI introduced regulatory guidelines for the P2P lending sector and recognized it as
NBFC-P2P. Faircent.com was the first platform in India to be recognized as an NBFC-P2P in May 2018.

Some features of the guidelines are:

NBFC-P2P to have net owned funds of not less than INR 2 crores
NBFC-P2P can only act as an intermediary providing an online platform to borrowers
NBFC-P2P cannot guarantee returns or lend its own money
Lenders can invest up to Rs.50 lacs across all P2P lending platforms.
The lender investing more than ₹10,00,000 across P2P platforms shall produce a certificate to P2P platforms
from a practicing Chartered Accountant certifying minimum net-worth of ₹50,00,000.
Borrowers can borrow up to Rs. 10 lacs only from across all P2P lending platforms
A lender cannot lend more than Rs.50,000/- to the same borrower
All fund transfer on the platform shall be through escrow account operated by a trustee
P2P platforms to onboard borrowers, assess them & then list them with interest rate, loan amount & tenure.
Lenders can invest in these loans post listing
All loan data is reported to all credit information companies like CIBIL, Experian by all NBFC-P2Ps
 Faircent offers largest volume and variety of loan products to help you diversify your portfolio. These include:
• Term Loans: refer to loans taken by Individuals and businesses for various purposes such as debt consolidation,
business expansion, medical expenses, travel, home improvement or furnishing etc. The borrowers listed on the
platform are divided into various risk profiles – ranked from low to high risk – by the credit evaluation
mechanism with interest rates ranging from 12% p.a to 28% p.a
• Pool Loans: These loans target captive borrowers such as merchants and distributors who require short-term
loans (daily/weekend) to meet the day-to-day needs of their business operations. Daily/Weekend loans deliver
flat returns providing a stable, but high return option to lenders to add to their portfolio
• Line of Credit (LOC): short-term loans (up to a maximum period of 90 days) that enable a borrower to withdraw
money up to a pre-assigned credit limit and repay anytime within the duration of the loan. Interest earnings are
calculated on a daily basis on the amount of money withdrawn by the borrower from the credit limit provided to
him but is payable to the lender on a monthly basis.
• Premium Salaried: category of terms loans listed driven completely by industry-tested bureau-based profiling
which leverages the use of new-age data and analytics to map the borrower’s intent and ability to repay.
• Nano Loans: category of terms loans that serve borrowers with limited credit history or personal and financial
data, who traditional methods of underwriting are unable to assess. Faircent uses its new-age, analytics-driven
credit assessment methodology to risk assess such borrowers.
Copyright Faircent 2020. All rights reserved.
Please refer to product deck or contact your portfolio manager for more details.
 Certain new products have been launched through Group Term Loans
API integration with partners to enable lenders to
diversify their portfolio with loans based on
predictable return to risk ratio. The partner Healthcare Consumer
facilities in credit evaluation, disbursement, Loans Loans
repayments, collection and recovery.
Each Group Term Loans Product is assigned a score
and rating, arrived at using a comprehensive rating Atmanirbhar Women
Education
mechanism which assesses and rates of the quality Loans Empowerment
Loans
of borrowers, their credit history, the tenures of
loans, diversity of portfolio and the partners
vintage, reach, control over funds, credit history, Blue Social
strength of management and assistance or Collar Impact
collection support provided by the partner. Please Loans Loans
refer to product deck or contact your portfolio
manager for more details.

Copyright Faircent 2020. All rights reserved.

 Keep investing regularly. New borrowers are listed, and new loan products are launched every
month.
Invest small amounts across several borrowers. Over a period of time, target at least 100+ loan
disbursals.
Build a diversified portfolio by spreading investments across risk buckets and loan products.
Diversify further across age, loan purpose, location, gender etc.
Re-invest to gain benefits of compounding interest.
Maintain longer investment portfolio period to earn higher returns.

Copyright Faircent 2020. All rights reserved.

Faircent.com does its best to mitigate risk for its lenders. However, defaults can happen. Here are
the steps that Faircent.com takes to recover pending or delayed repayments on behalf of the lender.

The in-house collection The team then Legally-compliant A legal notice is

team establishes establishes contact recovery agencies sent to the
contact with the with the references try to recover defaulting borrower
defaulting borrower provided by the pending amounts on on behalf of the
and follows-up for borrowers – friends, behalf of the lender lender
pending payments family, colleagues
(Call/SMS)
Collection and Recovery Process is on best-effort basis which may not result in recovery and hence the risk of loss of both principal
and interest exists. Faircent is only an intermediary providing an online platform to connect borrowers and lenders and as such is not
liable in any manner for any default of the borrowers.
All charges are updated regularly on the website and there are no hidden costs. More information is
available in the table below
A non-refundable one-
time registration fee of
₹1000 is payable by the
lender to Faircent at the
time of registration
Copyright Faircent 2020. All rights reserved.
A non-refundable fee of ₹100 will
A non-refundable 2% be charged for every recharge or
transaction fee from retail of less than ₹5,000 from the
lenders is charged on the Escrow Account. Lenders can
loan amount disbursed. This also request for a statement of
is deducted from the first accounts for a non-refundable fee
EMI received by the lender. of ₹500.
Please visit https://www.faircent.com/returns-and-fees for updated fee structure
 Disclaimer: The information contained herein is only to enable the Lender to make a considered decision. Any decision
taken by the Lender on the basis of this information is the sole responsibility of the Lender and Faircent is not liable. We urge
you to read all terms and conditions thoroughly and understand all the risks involved before investing.

Copyright Faircent 2020. All rights reserved.

 Abhijit Joshi Abhijit Joshi has built a diversified portfolio by investing
Male, 32 small loan amounts across many borrowers and has
Delhi stayed invested for long term

62% Med
Risk
4% 19% High
Default Rate Risk
₹7,75,000 ₹8,333
Invested per borrower

18% Low
19% Risk

93 Investing since NAR Portfolio

borrowers 2 year 3 months distribution

Note: Net Annualized Return refer to net average monthly return projected at an annual level

Copyright Faircent 2020. All rights reserved.

 Sneha Shah Sneha Shah has built a diversified portfolio by
Female, 37 spreading investment across risk buckets and loan
Mumbai products available on the platform

10% Pool 1% Consumer/

Loans Education Loans

2%
5% Very High 14% Low
Default Rate Risk Risk
₹8.9 lacs ₹1,503
Invested per loan

40% Med
30% High
Risk
Risk
21%
592+ loans Investing since NAR Portfolio
1 year 7 months distribution

Note: Net Annualized Return refer to net average monthly return projected at an annual level

Copyright Faircent 2020. All rights reserved.

 Bunty Walia Bunty Walia has put all his eggs in one basket by building a
Male, 29 portfolio dependent on small number of investments in High
Pune Risk bucket

High
Default Rate
₹9 Lakhs ₹60 k 100%
Invested per borrower Very High Risk

6%
15 Investing since NAR Portfolio
borrowers 2 months distribution

Note: Net Annualized Return refer to net average monthly return projected at an annual level

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 Knowledge Centre on the Website
https://www.faircent.com/knowledge
The Knowledge Centre gives you everything from what’s trending to the P2P landscape
in India and around the world. Here, you can catch up on critical aspects of P2P lending
from our CEO along with other important pieces of information.

YouTube Channel
https://www.youtube.com/channel/UCjEOzrhtyUmVr9TAmZcAO0A
From news bites by the management to tips for first time lenders, our YouTube channel has a
gamut of useful resources for lenders and borrowers alike.

Newsletter
Monthly email updates on the top trending news and blogs on P2P Lending

Copyright Faircent 2020. All rights reserved.

 Rajat Gandhi, Founder & CEO
Expertise: Online Exchange, Brand & Product
Development
Digital Advertising, Online Communities.
Former Vice President, Times Of India and Business Head
& Marketing Head, TBSL.
Copyright Faircent 2020. All rights reserved.
Vinay Mathew, Founder & COO Nitin Gupta, Non-executive Co-founder
Expertise: Enterprises Sale Large, Scaling Large
Expertise: Consumer Finance, Regulator Engagement,
Sale Term, Building & Implement Process,
Brand Development, Distribution.
Operations.
Ex-CEO - MasterCard South Asia.
Former Country Head – Sale & Service Delivery,
Former President - Rediff.com, Ex-President - GE Capital
Timesjob.com
Leadership positions @ Sify and Rediff.
 0120-4659902
Timings: 9:30 am to 6:30 pm (Mon-Sat)

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Copyright Faircent 2020. All rights reserved.
Copyright Faircent 2020. All rights reserved.
 The ratings given for each Borrower, Product or Partner is based on an internal mechanism developed
by Faircent taking into account various factors which Faircent believes in good faith may assist lenders
in their selection of Borrower, Product or Partner. Faircent is not a rating agency and the factors
considered to rate a Borrower are not industry approved factors nor approved, or in accordance with
any regulatory authority. You may therefore choose to rely on these ratings at your sole discretion and
Faircent will not be liable for your selection of Borrower, Product or Partner based on these credit
ratings.
The information contained herein is only to enable the Lender to make a considered decision. Any
decision taken by the Lender on the basis of this information is the sole responsibility of the Lender and
Faircent is not liable. This information does not include any sensitive personal data or information of
the Borrower. Faircent only facilitates a virtual meeting place between the Borrowers and the Lenders
on its online platform. The decision to lend is entirely at the discretion of the Lender

Copyright Faircent 2020. All rights reserved.