Responsible content on personal finance & economics that makes you smarter about money.
How does IndiaP2P create your investment products?
IndiaP2P’s investment products are essentially portfolios of fractions of loans. Let’s break this down:
- Fractions of loans - Your investment only funds a part of a loan i.e. you have co-lenders or co-investors in every loan.
- You invest in a portfolio (of loans) i.e. your funds are spread across multiple loans so that the affect of a particular borrower defaulting is limited. Furthermore this ‘spreading’ is done scientifically ensuring that your exposure to a geography, income source of borrower etc. are also diversified further reducing risk.
IndiaP2P takes a selective approach to curate loans to ensure due verification and quality and also adequate diversification across borrower location etc.
Author: Neha Juneja
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