Earn up to 18% p.a. by investing in retail loans curated by IndiaP2P

How do I select an investment product?

With IndiaP2P you can choose between two investment plans - income and growth.

If you are looking for recurring monthly income, then choose the monthly income plan where interest earned on the loans you fund accrues to your escrow wallet and can be withdrawn and used. For those looking to compound their wealth, choose the growth plan where interest earned is also invested back into new loans to increase your investment base and returns.

Risk categories indicate the risk bands i.e. IndiaP2P credit rating to which the loans you fund would belong. While all our borrowers are vetted and verified, there is always a risk of default/non-repayment. The risk categories indicate this risk of default.

Investment Products

Click to select an investment plan and customize to your risk preference.

How is my investment deployed?

Your investment will be spread across a portfolio of diversified loans i.e. you will be funding parts of multiple loans that come from borrowers from different geographies, income sources, etc. but all from the risk category selected by you. Our portfolio engine tool ensures maximum diversification thereby minimizing risk, however, please do note that your investment is not risk-free.

How are borrowers/loans vetted and verified?

IndiaP2P combines technology and field presence to screen, verify and diligence borrowers. Our on-ground team meets with most borrowers and our risk management team uses years of financial experience and technology to screen and risk score every loan. Each borrowers’ credit history, income, references etc. are duly analysed.

Our on-boarding and underwriting processes are designed to enable priority access for women seeking business and consumption loans to advance their lives and incomes. IndiaP2P borrowers typically have prior, successful loan repayment records with banks.

We follow the highest diligence standards and ensure that any and all bad repayment behaviour is promptly reported to every credit bureau.