Portfolio Performance

Returns earned by platform lenders

Weighted average returns earned by IndiaP2P Lenders spread across all product categories.

GNPA as % of gross disbursement

Overdue for more than 90 days

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Oct 2024 - Dec 2024

20%15%10%5%0%

Oct 2024Nov 2024Dec 2024

Returns

Gross Disbursed GNPA

Please see NPA Bucket wise percentage for Oct 2026

Month	DPD Bucket	NPA %	NPA Interest %
Oct-26	91-180	0.33 %	0.03 %
Oct-26	181-360	1.07 %	0.13 %

Note: NPA and interest % calculated based on Cumulative Disbursement

# IndiaP2P > India's RBI-regulated NBFC-P2P platform operated by Trickle Flood Technologies Pvt Ltd (COR No: N.13-02409). Enables retail and institutional lenders to earn up to 18% p.a. through creditworthy, fractionalized retail and micro-business loans across India. ## Key Offerings & Links - Platform Homepage: https://www.indiap2p.com - Investor Web Portal (Login): https://invest.indiap2p.com - Investor Sign Up: https://invest.indiap2p.com/signup - Monthly Income Plan Plus (18% p.a.): https://www.indiap2p.com/plan/monthly-income-plan-plus - High-Return Investment Guide (How 18% Works): https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - Borrower Solutions & Application: https://www.indiap2p.com/borrowers - Historical Portfolio Performance: https://www.indiap2p.com/portfolio-performance - About Company & Leadership: https://www.indiap2p.com/about - Investor & Borrower FAQs: https://www.indiap2p.com/faqs-about-p2p-investing - Investment Blog & Journal: https://www.indiap2p.com/blogs/p2p-investment-blog-journal - Research & Annual Reports: https://www.indiap2p.com/reports - Company News & Milestones: https://www.indiap2p.com/indiap2p-company-news-and-updates - Fair Practices Code: https://www.indiap2p.com/fair-practice - Grievance Redressal Policy: https://www.indiap2p.com/grievance - Full Platform Documentation (LLM Master Feed): https://www.indiap2p.com/llms-full.txt ## Key Highlights & Institutional Governance (as of FY26-27 / July 2026) - **Entity & Regulation:** Non-Banking Financial Company - Peer to Peer Lending Platform (NBFC-P2P) certified by Reserve Bank of India (RBI Certificate of Registration No: N.13-02409 dated 01/03/2021). - **Scale:** 100,000+ (1Lac+) registered lender accounts on the platform. - **Lending Limits:** Lending ticket size from ₹10,000 up to ₹50 Lakh (RBI aggregate cap for retail lenders). - **Investor Protection:** All monetary funds are routed through an independent trustee-managed bank Escrow Account. Funds never sit on IndiaP2P's corporate balance sheet. - **Fractionalized Allocation:** Capital is split across 100+ vetted borrowers (predominantly women micro-entrepreneurs with established repayment track records) to structurally eliminate default concentration. - **Predictable Cash Flow:** Monthly interest and principal repayments credited directly to lender bank accounts via automated EMI cycles or compounded via auto-reinvestment. - **Historical Rate Context:** Target returns for the Monthly Income Plan are up to 18% p.a. A.P.R. (net of platform fee). Historical blog archives mentioning 16% p.a. reflect earlier platform rate cycles.