A regulated way to diversify your portfolio and generate predictable monthly income.
Peer-to-Peer (P2P) lending allows you to lend small amounts to verified borrowers through RBI-regulated platforms.Your money earns interest monthly, helping you build a steady income stream while diversifying beyond traditional assets.With the right strategy and risk controls, P2P lending becomes a reliable source of alternative returns.
Start with small amounts and deploy funds across various borrowers.
Platforms like LenDenClub perform credit checks, scoring, and verification.
This diversification lowers risk and balances your return potential.
Each EMI includes principal + interest, creating a steady monthly income for you.
You can reinvest repayments for compounding or withdraw them when needed.
RBI regulated
Earn monthly returns
Diversification
Flexible lending
Higher potential than traditional savings
| P2P Lending | Fixed Deposits (FDs) | |
|---|---|---|
| Returns | Higher potential monthly returns | Low, fixed interest |
| Risk Level | Moderate (diversified borrowers) | Very low |
| Regulation | RBI-regulated P2P platforms | Banks regulated by the RBI |
| Liquidity | Depends on loan tenure | Premature withdrawal (with penalty) |
| Minimum Amount | Start with ₹500 | Bank dependent |
| Return Frequency | Monthly EMIs | Interest monthly/quarterly/yearly |
| Ideal For | Monthly income + diversification | Safety + capital preservation |