Frequently Asked Questions
Withdrawals 
Can I make a withdrawal before the lock-in period is over?
Barring extraordinary circumstances, early withdrawals are not permitted. Early withdrawals are also subject to 2% exit fee + GST.
Important Notice: All withdrawal requests are subject to the best effort basis only.
How long does a withdrawal process take and until which date will I earn interest?
The withdrawal process takes 3-7 working days except in case of extenuating circumstances.
Your interest earnings will be the earnings that you have already received until the date of the withdrawal request.
If you expect interest credits due to your investment account some days after the lock-in period expiry, then we recommend that you trigger the withdrawal request after the interest crediting. The upcoming interest payouts are indicated for your reference on your dashboard.
What will happen to the part of my investment which is running in default?
IndiaP2P enables diversification of your investment across multiple loan fractions to limit the extent of exposure to defaults. However, defaults still occur and any investment amounts running in defaults cannot be immediately recovered and withdrawn.
IndiaP2P takes all measures including legal action where necessary to recover defaulting principal amounts and remit them back to investors.
All investments in loans made on IndiaP2P are secured by a loan agreement ensuring that the borrower’s obligation to repay legally stands.
In addition, all of the borrower’s repayment information is reported to all credit bureaus ensuring that the defaulting borrower’s credit profile is suitably affected and is visible to all other lending institutions.
It may be noted that IndiaP2P does not guarantee returns on the investment in loans made on its platform.
What is the eligible amount v. ineligible amount?
The eligible amount is the quantum of your investment(s) that has:
(a) Completed lock-in period.
(b) Is not running into default i.e. delayed repayments or NPAs (repayment delay beyond 90 days).
Do I need to renew my investment after the lock-in period expires?
No. Your investment(s) will continue to stay invested under your chosen plans. You can withdraw your investment post-expiry of the lock-in without any premature withdrawal charges.
What happens after the lock-in period if I do not withdraw my investment?
Your investment(s) will continue to stay invested under your chosen plans. You can withdraw your investment post-expiry of the lock-in without any premature withdrawal charges.
How is the lock-in period calculated in case I have made multiple investments?
The lock-in is applicable to each investment you make. A top-up to an existing investing plan, constitutes a fresh investment.
What is the lock-in period?
The lock-in period of 12 months i.e. 365 days is calculated from the day your investment is received in your IndiaP2P escrow accounts. Sometimes there is a few days of gap in between the date your transferred funds v. when they are credited to your escrow account in case of payment gateway transfer, bank holidays etc.
Investor FAQs
Terms and Conditons for investor referrals
How does IndiaP2P ascertain the creditworthiness of the borrowers whose loans it curates?
Are there any restrictions on how much I can invest on IndiaP2P?
Can organisations lend on IndiaP2P or only individuals?
An individual, Company formed under the India Companies Act, HUF, firm, Society, Trust, RBI certified finance companies or any artificial body whether incorporated or not, holding a PAN card and bank account in India can invest in loans on IndiaP2P. Please note that individuals lending must be 18 years or above. If you represent an organisation seeking to invest via IndiaP2P then please write to us at investors@indiap2p.com or schedule a call with us.
Shall I use Auto-Invest (Growth, Income Plans) or choose borrowers manually?
How do estimated returns on IndiaP2P compare with other investment types?
How does IndiaP2P help me in my wealth creation journey?
How can I earn via lending investments on IndiaP2P?
What do I need to do to invest on IndiaP2P?
How does IndiaP2P work?
Is IndiaP2P recognised by the RBI?
Is IndiaP2P a Bank or NBFC?
What is P2P?
Quick Explainers
What does asset allocation mean?
How is consumer inflation estimated and how does it affect me? What is my personal inflation rate?
Understanding Market Bubbles
What is the endowment bias and how does it affect our decision-making around finances and investing?
What is speculation or speculating and how is it different from investing?
What is Mental Accounting and how does it affect me?
What is meant by the Time Value of Money?
Loss Aversion
What is the Illusion of Control and does it explain your investment choices?
What is meant by real returns? Are your investments actually earning as much as you think?
What are productive assets? And why does Warren Buffet love them?
What should I do when inflation is rising?
What is the Icarus Paradox? And how does it explain the failure of once super-successful companies?
What is the Rule of 72?
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.
What is meant by Net-worth?
What are Mutual Funds and how can I asses their performance?
What is Microfinance?
What is FOMO investing?
What is Angel Investing? Should I become an Angel investor and invest in startups?
What is asset allocation?
What is Volatility and how does it affect investment returns?
What is meant by ‘compounding’?
What is diversification?
What is the difference between regulated and unregulated investment products?
What is passive income?
What are the risks associated with fixed-income investments and especially with IndiaP2P?
What are fixed-income investment products?
What types of loans and borrowers does IndiaP2P source from?
What do fractionalized loans mean?
What is peer-to-peer (P2P) lending and how is it different from traditional lending?
For Borrowers
How can I contact you to learn more?
Will my contact details be displayed on the IndiaP2P website or lender mobile app?
What happens if I cannot repay?
Can I change my NACH debit/EMI repayment account after disbursement?
Will multiple lenders fund my loan? Will I have to repay all of them separately?
Can I prepay my loan on IndiaP2P?
How much time does IndiaP2P take to evaluate my loan application?
Am I required to present collateral for my loan?
How is interest calculated?
What is the eligibility criteria for borrowing on IndiaP2P?
What are the benefits of borrowing on IndiaP2P?
What type of loans are available on IndiaP2P?
Process (Entry and Exit)
Can I choose more than one Auto-Invest Plan?
What is the difference between the 2 Auto-Invest Plans and how can I structure my investment?
Do I need to pay tax on my earnings?
Is there any lock-in period?
How much fees will I have to pay?
Is there a minimum amount I need to invest?
What information does IndiaP2P collect about me?
How are my investments in loans secured? What happens if the borrower doesn’t repay.
How are borrowers screened and assessed by IndiaP2P?
How can I reach you to learn more?
How will I disburse funds to a borrower and how will they repay me?
Income Plan
How much can I earn via lending investments on IndiaP2P?
How long does it take IndiaP2P to allocate my investment into loan fractions?
What is the minimum and maximum investment I can make?
Can HUFs and companies also invest?
Can I invest multiple times and in different plans?
Will I be able to know which borrowers loans my investment has gone into?
What is the investment tenure?
When and how will I receive my interest earnings?
Are the returns indicated pre-tax?
Are IndiaP2P investments regulated?
Growth Plan
How long does it take IndiaP2P to allocate my investment into loan fractions?
What is the minimum and maximum investment I can make?
Can HUFs and companies also invest?
Yes, they can. The KYC process for non-individual investors is slightly different. Our Investor Services team will assist you with your investment escrow account creation.Please write to investors@IndiaP2P.com
Can I invest multiple times and in different plans?
Will I be able to know which borrowers loans my investment has gone into?
What is the investment tenure?
Are the returns indicated pre-tax?
Are IndiaP2P investments regulated?
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