What Is a Peer to Peer Lending Platform?
A peer to peer lending or P2P Lending platform facilitates borrowing and lending money directly through an online platform like Lendbox, making it affordable to get loans online compared to banks. Lendbox is poised to change the way India lends and borrows.
Investing in consumer credit at scale was previously accessible only by banks. Companies like Lendbox have opened the doors of this asset class to retail and institutional investors.
The P2P process is simple - people looking to borrow apply for loans, and their applications are carefully screened.
As an investor, you can spread your money across multiple loans in increments as low as ₹500, and receive monthly payments.
At your discretion, you select the people you want to invest in or get a loan from. At Lendbox, you have the power to choose your terms and enjoy complete transparency.
Want to invest ?
1. On an average, our investors earn a return of 16 - 18% (risk adjusted, net returns)
2. Start investing from just ₹ 10,000
3. Earn monthly returns without any hidden charges
4. Very low risk alternate investments
Need a loan ?
1. Save more with low interest rates as low as 12%
2. Hassle free borrowing process, interact with investors directly
3. Avail small loans of ₹ 5000 to ₹ 5,00,000 without any hidden charges
4. 100% online without any hidden charges
Why should you invest in P2P Lending?
Lendbox makes P2P lending safer, easier and more rewarding.
With P2P lending, you can create a seamless passive income stream with regular monthly repayments.
We operate with a mission of keeping our costs low compared to traditional financial institutions by
cutting out the middleman and pass all of the the savings directly to our investors who get high returns
and borrowers who are charged low interest rates.
How to invest in P2P Lending ?
Get a Loan in 5 Simple Steps
KYC as per RBI Guidelines
Start Bidding or Reaching out to Investors
Awards and Achievements
NASSCOM Emerge 50 2016
Lendbox is one of India's top 50 emerging companies as per NASSCOM for Start-ups
Lendbox is one of the top 10 companies chosen to present at the IBM SmartCamp for Fintech
Frequently Asked Questions
Peer to peer lending is a method of lending capital to borrowers on a mutually-agreed interest rate through an online platform like Lendbox which acts as a marketplace.
P2P platforms verify each and every borrower at the time of registration, either as an investor or borrower. This ensures that the information that you see online about each
member is verified to the best of their capabilities. Lendbox collects and authenticates Personal, Professional, Social and Financial details from each potential borrower.
Once a borrower and investor come to a mutual agreement, Lendbox helps them legalize the transaction by signing a formal contract.
Yes, P2P Lending is a legal business regulated by the Reserve Bank of India.
No organization can carry on the business of P2P lending without obtaining a
certificate of registration from the Reserve Bank. Lendbox is an RBI-certified NBFC-P2P.
Investors at Lendbox have access to a wide range of borrowers with varied risk profiles, giving them an opportunity to create diverse portfolios. With strong assessment and collection mechanism, Lendbox makes P2P investing much safer than many other investment options available.
Peer to peer investing is an excellent investment option as it has a higher return on the capital.
The emergence of P2P Lending has enabled many individuals to lend money directly to prospective borrowers in a hassle-free manner without the involvement of the banks and FIs. But just like any other investment, it has its own risks. However, these risks can be mitigated by intelligently diversifying your borrower portfoli
The main risk involved with peer to peer investing is the risk of default by the borrower.
Lendbox has an in-house recovery team as well as RBI-registered collection agencies as well to help the lenders in such cases.
Returns from P2P Lending is generally higher compared to traditional investment options like a Fixed Deposit or Mutual funds. You can choose the desired rate of interest you want to invest at, depending on your risk appetite.
Lendbox offers a wide range of interest rate options varying between 12% - 27% per annum.
Yes, you can invest or borrow through Lendbox in all metropolitan cities within India.
Yes, Lendbox has taken extensive measures including incorporating 128 bit SSL encryption to ensure that your
personal and financial information is safe with us. Information will only be shared with any third party after the user's prior consent.
Lendbox does not guarantee any returns on the capital. Lendbox is a tech platform and it does not assume any credit risk on behalf of its users.
Our Core Team
Co-founder and CEO, Lendbox
Co-founder and COO, Lendbox
Co-founder and CTO, Lendbox