Invest Smart With Peer To Peer Lending
Create Stable Passive Income With P2P Lending
Make the most out of your savings and earnings with Lendbox. Fulfil your short and long term investment goals with 100% Transparency.
Invest as low as ₹ 3,000 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
21,612
Registered Investors
2,34,843
Registered Borrowers
24.25%
Average Returns
₹420 Mn
Amount Disbursed
1,490 Mn
Asked Last Month
Lendbox is a RBI registered NBFC-P2P Lending Company that operates in compliance with the peer-to-peer lending guidelines issued by the RBI, to provide a hassle-free borrowing and lending experience.
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.
Every borrower at Lendbox goes through a strong screening process of over 200 data points verified by experienced underwriting professionals.
With P2P lending, you can earn better returns than most traditional investment options. Interest rates at Lendbox range between 27% depending on the risk appetite.
Create passive income with regular monthly repayments as borrowers pay back with EMI's
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.
Attractive returns - as high as 27%
Access to a wide range of
Pre-verified creditworthy borrowersSystematic and detailed
credit
analysis
by
sophisticated technology and experienced professionalsDiversified portfolio of
borrowersConvenient and transparent
processing system with no hidden chargesOpportunity to negotiate
with the borrower before closing a dealSupport in collections when
requiredRecommended score and
interest rate along with approved amountCreate Passive Income
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!
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
trendsEducational Qualification
and Professional HistoryProfessional industry type
and total asset holdingNumber of total jobs held
and frequency of job changesUtility bills such as mobile, electricity
etc.
Credit card expenditure and
limitsLocality of stayOnline spending behavior
and many other non-traditional data pointsIn 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.
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
IndiaYou must be more than 21
years oldYou must have a valid
Indian bank accountYou must have a valid PAN
cardYou must abide by Lendbox's
Terms & ConditionsYou must adhere to
Investor's code of conductYou must register your
details on the website https://www.Lendbox.in| Identity Proof | PAN Card |
| Address Proof (any one of the following) | aadhaar Card / Voter ID / Passport |
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 accountBrowsing and selecting
borrowers: Active investors can browse through the list of
borrowers on the platform with varied risk profilesDeal close and agreement
signing: Investors can negotiate and close deals with
individual borrowers and Lendbox facilitates the agreement
signingEMI payments: All borrowers
are encouraged to issue standing instructions in favour of
their investors to make monthly payments easy and paperfreeAfter 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 defaultersWe may put limitations on your account at any time if we believe it is in order to comply with our legal obligations.
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.
A. Bansal
Investor
S. Thukral
Borrower
I. Kukade
Investor
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.
