IndiaP2P Blog

What is P2P lending? Peer-to-peer (P2P) lending has emerged as a viable alternative to traditional banking services in India. This financial model enables borrowers and lenders to connect with each other directly, without the intervention of a financial institution. P2P lending platforms offer...

Making Wise Investment Decisions in India: CAPEX vs OPEX   When it comes to making investments in India, the decision you make between Capital Expenditure (CAPEX) and Operating Expenditure (OPEX) can have a huge impact on your returns. Knowing the difference between these two investment...

Maximizing Your Savings: The Ultimate Guide for Salaried Individuals in 2023 Are you tired of living paycheck to paycheck? Do you wish you had more savings in the bank but don't know where to start? Look no further! The Ultimate Guide for Salaried Individuals in 2023 is here to help. In this...

Best Investment Plan for Monthly Income : Indiap2p Introduction Indiap2p is a very good investment plan for monthly income. It offers you the opportunity to earn money every month without having to invest too much into it. If you want to start earning with this investment plan, then make sure...

Why p2p Lending is Better than Bank Loans ​In the current financial system, banks are the primary source of lending and borrowing. But, with the emergence of new technologies, a new type of lending has emerged - peer-to-peer (P2P) lending. P2P lending is a type of lending that happens between...

Why is investing important? Investing is an important part of your financial planning. It allows you to maximise your returns, create wealth. Investing can be done in various ways, ranging from traditional stocks and bonds to more modern options such as peer-to-peer lending and cryptocurrency...

Introduction Financial security and freedom? Yes, please! Instead of taking hours upon hours to work on your investments, passive income allows you to kick back, relax and let your investments pay themselves off. Passive income is a great way to achieve financial security and freedom.This guide...

If asked to imagine businesspersons, entrepreneurs, self-employed individuals, most of us are likely to picture a man.  However, the reality is more balanced.  Just in India, we have over 20% of MSMEs owned and run by women.  The past decade and a half has also been instrumental in...

Making investments to grow your money is essential. Most investments these days carry an amount of risk. Investors are prone to making mistakes, especially when they are new to investing. It is common for everyone to make a mistake with their investment at least once during their journey. However,...

We must have all come across the term diversification at least once by now. Doesn’t matter if we invest in the stock market or not, the term has been fairly used for quite a while, across multiple mediums. But what does diversification in financial terms really mean? To describe it in simple...

Owning real estate could be a huge step towards financial independence for many Indians.But to consider it a better investment than putting money in the financial markets may be short-sighted. The income generating property narrative starts to make sense when many investors end up renting their...

We often hear the term budget or budgeting in the context of corporations, projects, governments, and even creative endeavours. It is an essential planning activity that tries to ensure that we don’t run out of resources to survive and achieve our goals.     Budgeting is just...

The last two years have been a roller coaster ride for investors across the globe with varying degrees of ups and downs. At the very least, it has yet again reminded investors of a very crucial lesson, portfolio diversification. With a few years of perpetual positive returns from stocks and the...

Portfolio diversification can have different meanings for different individuals, based on their financial plans and goals. However, balance between growth and stability is almost certainly a feature of any diversified portfolio that most of us agree with. A 60/40 portfolio is one such no-brainer...

Inflation rates have been soaring across the globe, and you likely felt the pinch of rising expenses.    High inflation is decreasing the value of cash sitting in our bank accounts. Consumer inflation is touching 8% and your personal inflation rate may be even higher.  While...

As individuals, we are mindful of acting on our purpose and defining a positive legacy. As investors, it need not be different.   Your investments can indeed make a big difference on the issues you care about.   With greater access to investment options and information about them,...

Several digits are summed up to understand the financial status of an individual. These include the money/value of assets she owns and the money she makes. But not all digits should be relied on to measure her financial freedom. For instance, a person works towards good health that...

An NRI can simply be defined as an Indian citizen who has spent less than 183 days of a financial year in the country. NRIs are very much citizens of the country as per law. However, they do not pay tax here.    NRIs form a strong community that contributes to India's growth, despite...

Are fixed deposits really a fool proof way to invest? Large banks' fixed deposits are among the safest investing options. For years, this has been the go-to financial investment for many Indian savers. Fixed deposits are regarded as the safest and most liquid investment available. Let us try to...

IndiaP2P's investment products are designed with the dual purposes of earning stable earnings and tangible economic + social impact.   Here are some of how your investment has helped move the world forward, for good.   #Breakthebias   Over 95% of your investment went towards...

Why is it important to understand rates of return? When someone wants to invest their hard-earned money, they look at how the investment has done in the past, i.e. returns. In simple terms, retrurn means how much the investment has lost or gained in value over a certain time. If you arere new to...

Inflation has risen across the globe to become a pain point for policymakers who grapple with rising prices and faltering economic growth. Things seemingly turned worrisome when the Reserve Bank of India (RBI) raised the repo rate by 40 basis points on May 4 and again on June 6.  With the...

Many of us are unprepared for the tax payouts applicable to our investments and forget to factor them in.    Here's a ready reckoner to help you estimate your 'post-tax returns' and compare investment options.   Tax Rates on Your Investments   Tax...

How does IndiaP2P offer such high returns with low risk?   IndiaP2P’s first-of-its-kind return-risk profile is the result of a unique yet large arbitrage opportunity that exists in the debt markets of emerging economies such as India.   First, let’s recap how the...

We've all heard the terms - debt, lending and credit at least at some point in time. The three terms are relatively similar and refer to a process in which people with excess capital, loan it out to those who are seeking it for consumption or growing their businesses. While people may have varied...

You may have heard the term 'asset bubble' often, in the media, from acquaintances and more and we covered some of the major ones that have occurred in a previous blog post.   So, what is the exact meaning of the term and why learning about it is important as an investor?    An...

Recent upheaval in the equity and crypto markets has led to more than usual occurrences of the term 'asset bubble'. Here is a quick primer on asset bubbles of the past. After all, those who do not remember the past are doomed to repeat it!   The Dutch Tulip Bubble - 1630s Arguably the...

Here are some noteworthy retail investing trends and developments.   1. Climate & Sustainability Investments Alarming climate change data, consumer consciousness, and a combination of pressure + incentives from regulators have led to private and public investments in the growing and...

  As an investor, you may be looking to deploy your funds in investments that earn recurring monthly income.   Or, to put it simply, create a second, passive income source. Here are 7 options to consider: 1. IndiaP2P Monthly Income Plan Your investment under the IndiaP2P...

How to choose the right P2P lending investment product? Peer to Peer (P2P) lending means direct lending between two peers. A peer could be a business or an individual. Let us first understand lending or credit. Lending is giving a loan/debt/credit to another party that this party promises to...

Emerging investment options for retail investors in India While historically, Indians have preferred investing in physical assets such as real estate and gold along with FDs, things are changing.  With macroeconomic and technological changes, we are now increasingly invested in equities,...

Benjamin Graham has a very famous quote- “Successful investing is about managing risk not avoiding it". India has a unique investment ecosystem. On one hand, India has one of the fastest emerging affluent middle classes in the world and on the other hand, we have one of the lowest...

The best source of passive income Many of us strive to develop a passive income stream for a variety of reasons, including generating income for a living, diversifying our income, increasing our income, putting extra cash to good use, and a mix of all or some of the above based on our...

Like most trends, in the beginning, it's driven by fundamentals, at some point speculation takes over. What the wise man does in the beginning, the fool does in the end." Warren Buffett   Almost every other ad across television and social media is encouraging us to invest. We see and hear...

“For most things are differently valued by those who have them and by those who wish to get them: what belongs to us, and what we give away, always seems very precious to us.” Aristotle,  ~ 330 BC   Have you noticed that whenever you ask friends, family or colleagues about...

As retail investors we have many investment options today, common ones such as stocks, MFs, rental income, etc., and newer ones such as P2P lending, angel investing, digital gold, etc. However, not all products and companies selling those products are regulated i.e. do not have oversight of...

We've all heard the old proverb "Don't put all your eggs in one basket," which suggests that instead of relying on one plan or resource, diversify. The fundamental principles of constructing an investment portfolio are based on this age-old adage. The Modern Portfolio Theory was pioneered by...

Thanks to Zerodha and many other low-cost fintech brokerages, investing in stocks has never been easier. Further, social media-frenzied millennials are grabbing the opportunity of investing in stocks with both hands. Why not, quite a few of our known peers or family members have made lots of money...

Life is a journey full of unexpected twists and turns. While some of the surprises are nice, some are not. While we all aspire for happy surprises, it's also crucial to be prepared for the unexpected, particularly when it comes to your personal financial well-being. Unexpected circumstances can...

"You must gain control of your money, OR, Lack of it will forever control you." -Dave Ramsey   What exactly is a budget, and why do you need one? A budget is a forecast of revenue and expenses for a specific period of time in the future. Constant money planning and management is must to...

We've all heard about stock market heroes like Warren Buffet and Rakesh Jhunjhunwala, who have amassed staggering fortunes by investing in stocks. For many professionals, stocks have been a terrific way to build money. Only two things can go wrong when investing in stocks: 1. investing in the...

Many of us believe a bank's fixed deposit to be one of the safest investments available. Have you ever wondered how our investments are managed by banks or other financial institutions (FIs)? Banks, like other financial institutions, borrow money from the general public in the form of fixed...

For many of us, across generations, fixed deposits (FDs) are the preferred method of saving. Fixed deposits are considered safe and liquid assets that can be used to fulfill any unforeseen urgent need. Most of us see them as investments to help us increase our money, and for many Indian households,...

The different values we as people put on the same amount of money based on subjective or emotional criteria is our personal mental accounting. This type of accounting may seem useful or in the very least harmless but it is simply bad for us. Mental Accounting has been studied and popularised by...

Angel Investors typically invest in a startup in its early stages basis the idea and the entrepreneur.  In return, they receive an equity stake in the company, and often the % of the company they receive is decided later when the startup raises a larger amount of funding for an institutional...

A quick 5 point primer on what’s been happening and the upcoming draft bill in parliament.   It is estimated that India has upwards of 1.5 Cr. crypto investors, many of whom have started investing recently. Estimates also suggest that 70-80% of Indian crypto investors have invested...

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...

In this interview with Mr. Nagarajan M. founder of Velicham Finance & Bharathi Women Development Centre, we trace his 3 decades-long journey while exploring the potential and challenges of the microfinance sector.   IndiaP2P: Your organisations have been undertaking banking and credit...

  Mr. Zohar Batterywala is a financial advisor, who has been serving his elite clientele for over a decade in their financial planning services and is widely regarded for generating wealth for his clients. He services a variety of clients ranging from NRIs to domestic investors. He is based...

The pandemic has revealed that many of us are financially unprepared to deal with economic shocks, in contrast to western countries where the government provides for most of our fundamental needs like as food, education, and healthcare. However, as citizens of a developing country, we do not have...

Good News!   We are delighted to announce our pre-seed fundraise from Antler India VC to charge ahead on our mission to create robust, high-yield debt-based investment products based on real economic value. Serving as a good entry point for new investors, as well as complement experienced...