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You start earning interest from the date of disbursement of the loans you choose subject to repayments received from borrowers.

Different borrowers are seeking to borrow different amounts. The minimum allocation amount allows us to fulfil these loans in a timely manner while allowing multiple lenders to take small exposures to a borrower.

Yes, before and upon investing detailed loan reports will be available on your IndiaP2P dashboard detailing monthly repayment performance of your borrowers.

In case of delayed repayments, their receipt into your bank account will also be delayed.  In case of defaults, there will be loss of that amount of investment.  We recommend that lenders spread their capital across multiple borrowers to minimize this risk. 

As a platform we will put in best efforts to recover delays and defaults.

No.  Per RBI regulations, no bulk withdrawals are permitted, only received repayments can be withdrawn. 

Both you and your referred friend would earn 1% of their first investment as a top-up to your first investment plans. You can refer to as many friends as you like. Total referral earnings are capped at INR 5000. Referral earnings will be visible separately in your dashboard under the Rewards section. If you'd like to earn more than INR 5000 via referrals then please contact us to join our Ambassador program. IndiaP2P reserves all rights to amend this scheme at any time without prior notice.

Yes, across all peer to peer lending platforms regulated by the RBI you can invest a maximum of ₹50 lakhs. For investments above 10 lakhs a certificate from a CA is required to ascertain your net worth. Our investor services team will assist you with this certificate. Additionally, the maximum lending per borrower is restricted to ₹50,000 for risk mitigation purposes.

As per RBI regulations dated August 16, 2024 existing investors in the IndiaP2P Growth Plan and IndiaP2P Monthly Income Plan will receive EMIs (principal + interest) against loans funded into their bank accounts every month.  These repayments can be re-invested anytime into the IndiaP2P Monthly Income Plan - Plus.

You need to complete a quick online KYC for which you will need to keep your Aadhaar, PAN, and bank details handy. Post KYC verification we will create your unique virtual escrow account into which you can deposit funds for investing in IndiaP2P products. If you are using NEFT, IMPS, or RTGS to transfer funds into your escrow account you will need to add this account as a beneficiary to your net banking first. This entire process only takes a few minutes. No physical paper submission is required. Please note that we do not accept any form of cash investments, fees, or payments. You must be above 18 years of age.

IndiaP2P is a NBFC-P2P, licensed by the Reserve Bank of India (RBI) under the name Trickle Flood Technologies Pvt. Ltd.Yes, IndiaP2P is an NBFC-P2P certified by the Reserve Bank of India (RBI).  IndiaP2P’s operations and offerings to lenders and borrowers are bound by RBI regulations.

P2P stands for Peer to Peer lending. It enables individuals to obtain loans directly from other individuals without the involvement of any intermediary. It’s an alternate option for borrowing money other than Banks. P2P lending is regulated by the Reserve Bank of India.

Yes, all earnings are subject to taxation. Your interest earnings on IndiaP2P will be considered as ‘other income’ in your annual returns and taxed as per your prevailing income bracket.  We will share an earnings statement with you for every fiscal year. You can also view your earnings in real time on your IndiaP2P account dashboard.

The overall investment tenure is 24 months, with some returns coming earlier from shorter loans.

Yes, you can invest as low as ₹50,000 as your initial investment.  Tops up/re-investment can be made in any amount.  Maximum investment across all P2P lending platforms is capped at ₹50 lakhs.

We require your KYC and tax identification information as per law. Details of additional information collected can be seen in our Privacy Policy. Please note that we do not share your information with any third parties for sale purposes.

IndiaP2P screens and rates borrowers using our credit-algorithm as defined here (IndiaP2P Credit Policy) to ensure their creditworthiness and assess risk potential. In addition, most borrowers are verified physically by our team. As an investor lender, you can see and filter borrowers basis various criteria.  Typical loan ticket sizes sought by borrowers range from  ₹30,000 to  ₹100,000. Eligible borrowers are rated between A and F basis stated credit policy.

You can email us at investors@indiap2p.com or schedule a quick call with our investor support team at your convenience here

The rule of 72 is a thumb rule to quickly estimate how many years it will take for your money to double for a given rate of return. For example: If your Fixed Deposits are paying a return of 4.5%. It will take 72/4.5 = 16 years for your money to double. With IndiaP2P, you can earn up to 16%. Thereby doubling you money in 72/16 = 4.5 years.