Invest Smart With Peer To Peer Lending

Invest in India's newest asset class

Make the most out of your savings and earnings with Lendbox. Fulfil your short and long term investment goals with 100% Transparency. Zero to medium risk options available.

Invest as low as ₹ 10,000 for a period as short as 3 months

Earn as high as 27% in returns

Get regular monthly returns

RBI registered NBFC-P2P lending company

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Amount you want to invest(Rs 10,000 to Rs 50,00,000)

Expected Rate of Interest(12% - 27%)

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Registered Investors

₹420 Mn

Amount Disbursed


Registered Borrowers

1,490 Mn

Asked Last Month


Average Returns

Lendbox NBFC-P2P License

RBI Certified NBFC - P2P Lending Platform


Lendbox is an RBI registered NBFC-P2P Lending Company that operates in compliance with guidelines issued by the RBI. In a recent landmark decision, RBI has increased the aggregate P2P exposure of a lender from ₹10 lakhs to ₹50 lakhs. Read more here.

Why you should invest in P2P lending

With P2P lending, you can lend capital to borrowers and earn fixed returns on a mutually negotiated interest rate - as high as 27% and for a duration ranging from just 3 months to 36 months and create a seamless passive income with regular monthly repayments.

p2p lending verification
Strong Borrower Screening

Every borrower at Lendbox goes through a strong screening process of over 200 data points verified by experienced underwriting professionals.

higher return investment
Higher Returns

With P2P lending, you can earn better returns than most traditional investment options. Interest rates at Lendbox range between 12%-27% depending on the risk appetite.

p2p lending with better ROI
Increase Your Potential earnings

Create passive income with regular monthly repayments as borrowers pay back with EMI's

Feature One

Create Passive Income

Lendbox is a Peer-to-Peer lending platform, which lets creditworthy borrowers and willing investors transact for short to medium term personal loans. Lendbox uses a transparent, convenient and efficient system to facilitate these loans.

All borrowers at Lendbox undergo a rigorous financial, personal, professional, and a social background check that is performed through the use of sophisticated technology and machine learning algorithms.

Investors at Lendbox have access to 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 lending much safer than many other investment options available.

Don't want risky investments? Start Alternate investing with Lendbox, tailor-made investment options for people with low risk apetite, with returns up to 18% and options starting at zero, alternate investment is ideal for first time investors. Register now for free to know more.

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How Lendbox can help you grow your savings

Some of the key advantages of lending through Lendbox are :

  • Attractive returns - as high as 27%

  • Access to a wide range of Pre-verified creditworthy borrowers
  • Systematic and detailed credit analysis by sophisticated technology and experienced professionals
  • Diversified portfolio of borrowers
  • Convenient and transparent processing system with no hidden charges
  • Opportunity to negotiate with the borrower before closing a deal
  • Support in collections when required
  • Recommended score and interest rate along with approved amount

P2P Lending Vs Others

Create Passive Income

p2p lending interest rates

Financial Institutions provide limited products for investments and low returns on options such as fixed deposits. Mutual funds are limited with regards to the investors they attract as they require high capital commitments over a long period of time. Finally, equity markets are highly volatile and require a significant holding capacity and risk appetite and even then returns are not guaranteed.

Lendbox bridges this gap by offering a new fixed income asset class that is not only safe and secure, but also offers ROIs as high as 27% along with flexible investment tenure.

Emergence of P2P lending has empowered individual investors to lend money directly to borrowers in hassle-free environment and without any involvement of banks and Fis.

Over 17,000 investors are earning an average return of 24% per annum through Lendbox, you can be one of them. Start now!

Register as Investor

Lendbox follows an out of the box approach to credit assessment through a perfect blend of big data analytics and highly qualified professionals. Some of the factors we thoroughly assess are:

  • Net Salary and expenditure trends
  • Educational Qualification and Professional History
  • Professional industry type and total asset holding
  • Number of total jobs held and frequency of job changes
  • Utility bills such as mobile, electricity etc.
  • Credit card expenditure and limits
  • Locality of stay
  • Online spending behavior and many other non-traditional data points

In total, we review over a 1,000 data points to ensure that a borrower is accurately profiled, and that an investor gets authentic information to help in the decision making.

Feature Two

Lendbox is a platform for people with an unconventional approach to investing. Lendbox can help an investor earn higher returns on their idle cash. This is like investing in people rather than lending, with a lower risk factor and higher returns.

The registration process to become an investor is fast and simple. Some of the basic requirements to be eligible to become an investor are:

  • You must be a resident of India
  • You must be more than 21 years old
  • You must have a valid Indian bank account
  • You must have a valid PAN card
  • You must abide by Lendbox's Terms & Conditions
  • You must adhere to Investor's code of conduct
  • You must register your details on the website
Identity Proof PAN Card
Address Proof (any one of the following) aadhaar Card / Voter ID / Passport

Feature Three

Investing at Lendbox is very similar to stock market investments but with a much much less risk. Lendbox is all about investing in people through a transparent, convenient and efficient process.

The process of investing in borrowers is fairly simple and streamlined.

  • Registration : Register your personal and professional details on Lendbox. We do basic checks on the information provided and ask for some documentation
  • Account activation: Lendbox verifies the information provided and activates the account
  • Browsing and selecting borrowers: Active investors can browse through the list of borrowers on the platform with varied risk profiles
  • Deal close and agreement signing: Investors can negotiate and close deals with individual borrowers and Lendbox facilitates the agreement signing
  • EMI payments: All borrowers are encouraged to issue standing instructions in favour of their investors to make monthly payments easy and paperfree
  • After loan disbursement: Lendbox intervenes for any delayed monthly payments and investors even have an option to engage an RBI registered recovery agency through Lendbox in case of major defaulters

We may put limitations on your account at any time if we believe it is in order to comply with our legal obligations.

Feature Four

Registration fee: Non-refundable registration fee of Rs 500 is applicable at signup for a new Investor.

Investment fee: An additional fee of Rs 500 is applicable for every 1 lac (Rs 100,000) committed for investment on Lendbox.

The returns you earn by investing through Lendbox depend on your risk appetite. So, you decide the risk profile of borrowers you want to invest in and Lendbox will facilitate the process afterwords.

Non-Payment of EMI: In case the borrowers do not transfer the EMI by the due date, additional penal interest would be applicable as per the loan agreement signed between the Investors and their respective borrowers and will be applied to the due amount for the duration of delay, which Borrowers will be liable to pay the Investor.

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.

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What our Customers say about us

A. Bansal


D. Bhardwaj


I. Kukade


I found P2P lending at Lendbox is a great platform for serious lenders & serve as one of the avenues for diversification of the overall portfolio. I found the platform & staff to be less restrictive, flexible & always adapting to the constructive feedback. Lendbox lived upto their commitment so far & I wish the team luck for the future path.

Press Coverage

Frequently Asked Questions

Lendbox is a RBI licensed NBFC-P2P platform licensed conducting peer-to-peer operations where willing investors interact with pre-verified crediworthy borrowers to lend short to medium term unsecured loans.
You can register on our website as an investor or a borrower, depending on your needs, and only if you meet our eligibility criteria.
If you have Invested in people through Lendbox and due to some unforeseen circumstances we have to close our doors for business, all loan agreements will still be valid as they have been signed between the respective investors and borrowers.
Lendbox's headquarters are in Delhi NCR.
Yes, you can invest or borrow through Lendbox regardless of the region you reside in 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
If due to any unfortunate circumstance a user decides to leave us, her/his account can be deleted by writing a mail to our support team along with a reason for the deletion.

Have more questions ?

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  • [email protected]