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Peer to Peer Lending P2P

Peer-to-peer lending has no intermediaries…

In P2P lending an individual lends money to another individual, without the help of a traditional financial intermediaries like Banks, under mutually agreed terms. In online P2P platforms an individual seeking a loan fills-in details and this request is matched with lenders possessing required funds. In essence, lenders get better returns and borrowers better rates.

If you have funds to spare and wish to earn higher returns than traditional investment options like fixed deposits or debt mutual funds, you may consider this route to park a part of your funds. Borrowers too will find this route a little flexible as compared to Banks who prefer to grant personal loans to applicants having higher incomes and/or are employed in large companies.

During October 2017, Reserve Bank of India (RBI) mandated that lenders can lend up to a total limit of Rs 10 Lakhs and similarly borrowers can borrow to a mximum extent of Rs 10 Lakhs on peer-to-peer platforms. Also P2P platforms on their own minimize the risk for investors by exhaustively verifying the credit-worthiness and eligibility of intending borrowers and displaying the information on the website, so that investors can take an informed decision based on their risk appetite. Obviously, the better the credit-worthiness the lower will be the interest rate and vice-versa.

Lending and borrowing on a peer-to-peer loan platform…

Every P2P platform has its own criteria for lenders and borrowers in respect of eligibility, minimum and maximum amounts, tenures etc. To begin with, they need to register on the websites by providing all required information. Anyone who is an Indian citizen and possesses a PAN card can become a lender. The lender’s profile is listed once the portal verifies it.

Borrowers must be Indian citizens with a PAN card and would be salaried employees, professionals or self-employed. The P2P platform lists the profile of borrowers after due verification of their personal, professional and financial details as well as credit history. The loan is processed after manual and/or algorithmic due-diligence and interest rate is based on the credit-worthiness of the borrower.

Investors can make offers (amount of loan, tenure and interest) to one or more listed borrowers and similarly borrowers can make offers to multiple lenders. Either side can accept or reject or negotiate offers. Once an offer is accepted by both sides, a contract is signed and loan is disbursed. The online platform’s fees are payable at this stage. The loan is repaid through EMIs via instruments like post-dated cheques, ECS etc. Non-payment on due dates invites penalties.



#370, 4th Cross, J P Nagar 3rd Phase, Bangalore 560078

080-2658 5620




Personal loans upto Rs 25 Lakhs for a loan period of 3 months to 2 years.

072593 55400




This is a peer-to-peer lending platform that enables rural entrepreneurs to access loans from socially minded investors. Rural Indians thus can receive affordable micro-loans.

63/A, 40th Cross, 7th Main, 5th Block, Jayanagar, Bangalore 560041

080-2663 5620




Absul Rafar Building, 15/7 Basha Street, Choolaimedu, Chennai 600094

90430 66699




Minimum and maximum loan amounts are Rs 30,000 and Rs 5 Lakhs respectively for personal loan and upto Rs 25 Lakhs for business loan. Tenure of any loan can be one of the following: 6 or 12 or 18 or 24 or 36 months.

0124-322 9841, 0124-406 0044




Loan amount Rs 5,000 to Rs 5 Lakhs and tenure can range from 3 months to 48 months. Based on risk category 1.5% to 4% fees are payable by borrower to the portal.

097174 20307




Loans of Rs. 50,000 up to Rs.25 Lacs for a period of 1 to 5 years.

011-3959 5126




Loans in the range of Rs 25,000 to Rs 50 Lakhs and tenures of 1 month to 60 months. Option of both secured & unsecured loans.

011-4053 4053




Avail loans of Rs. 25,000 to Rs. 5,00,000 for periods of 6 months to 36 months. Lenders need to pay 1% of lent amount or Rs 1,500 whichever is higher.

1800-3000-7178, Whatsapp: 098115 34578



Rupaiya Exchange

Lajpat Nagar, New Delhi


011-4131 5585




Loans from Rs 25,000 to Rs 5 Lakhs with tenures of 6 months to 36 months. EMIs are payable on 7th of every month. Charges payable to portal are 3% and 1.5% by borrower and lender respectively.

040-4012 6765




101, Plot No A-24, Zareena Plaza, Journalist Colony, Road No 70, Jubilee Hills, Hyderabad



LenDen Club

Minimum lending amount is Rs 5,000 whereas there is no upper limit. Loan tenure can be anywhere between 6 months to 60 months. They have a Lender Protection Fund (LPF) that protects the lender’s principal amount.

070458 50594