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Invest Like A Pro With Lendbox

Invest money online in India's newest asset class and earn better returns than traditional investment channels.

Now create wealth easily with Lendbox, fulfil your short term or long term investment goals with Lendbox. Find the right investment plan that suits your needs.

  • Start investing with just ₹10,000

  • Flexible Investment Tenures

  • Get regular monthly returns

  • RBI registered NBFC-P2P lending company

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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

Why you should invest through Lendbox

With Lendbox, you can lend capital to borrowers and earn fixed returns on your investments, invest across multiple products and earn up to 15.4% in ROI and for flexible tenure from just 3 months to 36 months and create a seamless passive income with regular monthly repayments.

Simple and Easy

Lendbox is an easy to use platform to invest money online, get your dedicated wealth manager to build and diversify your portfolio.

Greater Returns

Earn up to 2.5 times more of your FD returns with Lendbox low risk investment investment options, a safer and smarter way to multiply your savings.

Monthly Cashflow

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

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Register as a lender by providing basic KYC information.

Choose your products

Invest across variety of products and build a diversified portfolio and better returns at lower risk.

Get monthly repayments

Receive monthly returns from the borrower and start growing your wealth. You also have the option to reinvest your earnings.

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Lendbox Minimizes Your Risk

At Lendbox, you can build a strong and diverse portfolio to ensure maximum returns at minimum risk.

Strong Borrower Screening

Lendbox screens a borrower across 200 parameters to check the creditworthiness of the borrowers to ensure the credibility of borrowers.

Dedicated Wealth Manager

Experienced wealth managers are always there to help you understand the products and build a strong portfolio.

Easy Diversification

Diversify across range of investments products to minimize the associated risks.

Robust Collection Mechanism

If needed, Lendbox has an in-house team for collection and an RBI registered recovery agency.

Press Coverage

Basing only 20 percent of its risk assessment engine on the CIBIL score, the platform assesses a borrower's credit-worthiness based on their social, professional, behavioural analysis.

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Using 25-30 parameters, these companies evaluate borrowers and put them in different risk categories. Those with a higher risk get loans at higher interest rates and a person deemed likely to repay the loan diligently gets lower rates.

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Lendbox is one of the most successful peer-to-peer lending platforms in India. By creating a conducive environment for borrowers and investors, Lendbox aims to revolutionize the personal loans market in the country

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A transparent, convenient and seamless system where creditworthy borrowers would be able to transact on short to medium term personal loans through individual or institutional investors.

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Robust underwriting process using Big Data Intelligence on more than 120 data variables

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Instead of just checking credit history and KYC norms, they also use big data to track spending patterns of customers.

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A transparent, convenient and seamless system where creditworthy borrowers would be able to transact on short to medium term personal loans through individual or institutional investors.

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The Indian lending market is vast, and there is an enormous potential for peer-to-peer loans. Also, the need for small loans is paving the way for peer-to-peer loans.

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The main objective of this startup started by Ekmeet Singh, Bhuvan Rustagi and Jatin Malwal, removes mediators like banks, depository institutions etc.

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Peer-to-peer lenders are pushing back on central bank proposals to regulate the online platforms, arguing the new rules would hamper the development of an industry in its infancy.

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In a country where access to formal credit has always been a problem, and loans from friends and family are common, P2P lending seemed like a no-brainer. And it didn't disappoint.

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Frequently Asked Questions

What is P2P Investment?

P2P (peer to peer) investments enable you to lend directly to eligible borrowers, cutting out the middleman, like banks or traditional NBFCs. P2P NBFCs like Lendbox provide a marketplace where eligible borrowers and willing lenders can transact.

What is Lendbox?

Lendbox is an RBI licensed NBFC-P2P marketplace platform where willing investors interact with pre-verified creditworthy borrowers to lend short to medium term unsecured loans

Is P2P investment legal in India?

Yes! However, not without an RBI-issued license. In order to legally operate as a P2P platform, one needs to obtain NBFC-P2P license from RBI. You can read more about Lendbox’s certification here.

Who can invest with Lendbox:

Any Indian above 18 years (resident or non-resident) or company with an active PAN Card and Indian bank account can invest with Lendbox.

How do I know my investment is safe with Lendbox?

Lendbox is registered with RBI as an NBFC-P2P, and as per RBI regulations, all the funds deposited by lenders are parked in our escrow account before they are disbursed to borrowers.

How does Lendbox manage the risk of default?

Lendbox follows a robust credit assessment policy in order to bring creditworthy borrowers to our investors. We categorize borrowers in different risk categories based on interest rate and risk associated with the loan. We follow a thorough and diversification approach in order to reduce the risk of capital erosion for the lenders. Our lenders can invest as little as 250 per borrower in higher risk category and only go as high as 5,000 per borrower in lower risk category.

How much can I earn through Lendbox?

Lendbox provides loans at an interest rate of 11% to 30% per annum. We advise our investors to customize their portfolio based on their risk appetite, since we offer a very diverse range of risk categories. On an average, we have consistently generated risk adjusted returns of 11% to 18% (annually) for our lenders depending upon their capital allocation in risk categories.

What are Lendbox ALT Investments? Is it a good investment option?

To bring in trustworthy borrowers with low credit risk, Lendbox operates on a joint-credit assessment model with Lendbox Partners. These partners are companies from Edu-tech, Medtech, Fin-tech or traditional NBFCs. All the borrowers are first screened as per our Partner’s credit policies, and approved cases are then filtered through Lendox’s credit assessment. Only then do we list borrowers on our platform. To further lower risk, LB Partners will provide cover in case of a default by the actual borrower. These partner companies enter into a legally binding service agreement with Lendbox to fulfill a default guarantee on the loans disbursed to their users. In this category, we have been able to generate consistent annual returns of 12-14% for our Lendbox.

What happens if any borrower does not repay?

Although Lendbox follows a strong credit mechanism to approve loan applications, in some cases delays and default may happen. In such cases we attempt to procure repayments through our experienced Collection and Recovery team. We also facilitate legal proceedings against borrowers on behalf of lenders if required.

Is there any legal fee to be paid by Lendbox investors?

As of October 2020, Lendbox does not charge any legal proceedings fee from its investors

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

Lendbox allows it’s investors to either manually screen and select their borrowers from our platform or opt for the Auto investment option. In our auto-invest model, our sophisticated borrower selection algorithm takes into account your risk tolerance and accordingly create a portfolio that gives you the best possible return on investment.

How do I get repaid?

All the loans are repaid as per a pre-decided EMI schedule from borrowers. All the EMIs are received in our investors’ Lendbox wallet, which can be utilized for reinvesting or can be withdrawn into bank accounts.

Is there a way to Invest for a fixed period of time with fixed returns?

Lendbox provides this service through our Investment Management Service (IMS) for a minimum investment period of 1 year and minimum amount of 1 Lac. In this service, our team of experienced portfolio managers allocates funds in our ALT investment category and reinvests repayments by managing the maturity of loans. In this service, you can invest for fixed maturity without manual intervention. You can also opt for monthly interest payouts. For more details, please contact your wealth manager or email us at [email protected]

What if Lendbox closes its doors?

If you have invested in loans through Lendbox and due to some 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.

Where is Lendbox located?

We are headquartered in New Delhi, NCR.

Is my personal and financial information secure on Lendbox?

Yes, Lendbox has taken extensive measures including incorporating 128 bit SSL encryption to ensure that your personal and financial information is safe with us. We will never share your Information with third parties without your explicit consent.

How can I delete my account on Lendbox?

If due to any unfortunate circumstance a user decides to leave us, her/his account can be deleted by writing to our support team at [email protected]

Have more questions ? Get in touch