How does Lendbox manage the risk of default?

Lendbox follows a robust credit assessment policy to bring only the most creditworthy borrowers to the platform. We categorize borrowers by risk and allocate funds in a manner that reduces the risk of capital erosion for our investors. In higher risk categories, we invest as little as ₹100 per loan account and go only as high as ₹5,000 in low risk categories.

How much fees will I have to pay?

We charge 1% of funds deposited as investment fee. This fee is deducted from the first repayment you receive. We only charge a fee on funds deposited and not on subsequent reinvestments of your repayments. Our charges are the lowest among all other P2P platforms in India.

How hands-on do I have to be to invest with Lendbox?

Lendbox allows you to either manually screen and select your investments on our platform or opt for the Auto-investment. In the latter, our proprietary borrower selection algorithm takes into account your risk tolerance and accordingly create a portfolio that gives you the best possible return on investment.

What if Lendbox closes its doors?

We’ve been around since the beginning of P2P investment in India, and plan to stay around for a long, long time. If due to unforeseen circumstances, we are forced to close our doors for business, all loan agreements will still be valid as they have been signed between the respective investors and borrowers.