Invest Money Online With Peer To Peer Lending

Become A Lender With Lendbox

Invest as low as Rs. 10000 in multiple verified and credit worthy borrowers and earn returns on your investments as high as 30% with monthly repayments.

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Feature One

Lendbox uses a transparent, convenient and efficient system to serve its users

Lendbox is a Peer-to-Peer lending platform, which gets creditworthy borrowers and willing investors together to transact on short to medium term personal unsecured loans.

All borrowers go through a thorough financial, personal, professional and social background check which is performed through the use of sophisticated technology and machine learning algorithms working in tandem with experienced professionals.

Lendbox's investors have access to a wide range of borrowers with varied risk profiles giving the investor an option to create a diverse portfolio.

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.

Invest money online

Lendbox fills this gap by offering a new fixed income asset class which is safe and secure and offers ROIs of as high as 36%.

You may have been refused a loan from high street banks or other traditional financial institutions even though you are more than capable of repaying your loans. This may be due to an unconventional profile or something that banks might consider a "bad credit" profile.

Lendbox takes a different approach compared to that of banks and looks at several more data points to create a more holistic credit profile and does not rely entirely on credit bureau scores and conventional KYC information.

This approach helps us assist individuals with so-called bad credit profiles in getting personal loans at desired interest rates. Sign up as an investor and explore the tailor-made proposals that suit to your needs.

Some of the key advantages of lending through Lendbox are :

  • Attractive returns of as high as 36%
  • Access to a wide range of Pre-verified creditworthy borrowers
  • Detailed credit assessment through 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

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 and Mobile bills
  • Credit card expenditure and limits
  • Locality of stay
  • Online spending behavior and many other non-traditional data points

In total, Lendbox reviews over 1000 data points to ensure that our system accurately profiles a borrowers and our investors are provided with an accurate credit assessment to assist in their decision making process.

Feature Two

Lendbox is a platform for people with unconventional approach to Investing, which ultimately pays off with higher returns on an investor’s idle cash. This is more like investing in people rather than lending with much less risk factor and positive returns in most of the cases.

The registration process to become an investor and 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) Adhaar 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.

Feature Four

  • The data provided on the website is directed solely at and is for use solely by people mentioned in the terms and conditions applying to lenders. The content provided on the website is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to applicable law or regulation.
  • You are permitted to download and print content from this platform solely for your own personal use to the extent required to use the services provided on this website. Lendbox supplied content must not be copied or reproduced, modified, redistributed, used or otherwise dealt with for any other reason without our express written consent.
  • We are not responsible for content downloaded or posted by Investors on the platform.
  • You agree to use the platform only for lawful purposes and in a way which does not infringe the rights of any anyone else or restrict or inhibit anyone else's use and enjoyment of the platform.
  • You agree not to use the Lendbox website or any information accessible on or obtained from it for the purpose of canvassing or soliciting any person or enticing any person away from Lendbox.
  • You guarantee that you have taken all reasonable precautions to ensure that any information you upload or otherwise submit to the website is free from viruses and anything else which may have a contaminating or destructive effect on any part of the website or any of its technology.
  • You are responsible for all costs incurred by you in accessing the platform.
  • The platform may contain links to websites. We accept no responsibility or liability for any material supplied by or contained on any third party website which is linked from or to the platform, or any use of personal data by such third party.

Register as Investor

Frequently Asked Questions

Lendbox is an e-lending platform for peer-to-peer lending where willing investors can transact with pre-verified creditworthy borrowers on short to medium term unsecured personal loans.
You can register on our website as an Investor or a Borrowers depending on your needs if you meet the criteria set by us.
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 would 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 circumstances 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?

Get in touch
Contact us
  • 011-26254235/36
  • Request a call back
  • [email protected]