+91-7291029298
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.
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
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
Register
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.
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.
A. Bansal
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.
R. Dev
INVESTOR
I have a dedicated account manager, Vishal, who is quite responsive. I'm expecting to make fairly good returns from Lendbox - which are more than any of the other investments I'm making. It's been a few months and I'm receiving the EMIs as expected with the interest rate as promised. I came for portfolio diversification and stayed for high returns.
I. Kukade
INVESTOR
Lendbox is a truly innovative P2P lending platform that understands Indian context of borrowing and lending and the related safety. The team is very responsive to queries and the platform has variety of borrowers to diversify risk.
Bhanu Gautam
INVESTOR
Lendbox helped me in the time when i really needed the money. I am really thankful as it helped our family at the time of emergency. Team is really co-operative and they fulfilled what they promised.
Karan Rao
INVESTOR
LendBox is definitely going the extra mile in terms of customer satisfaction. In P2P lending, I was very unsure of how much support I would receive from a facilitator site, but LendBox just proved to me that it values its business and its customers. Cheers and Kudos.
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.
Read MoreUsing 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.
Read MoreLendbox 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
Read MoreA 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.
Read MoreInstead of just checking credit history and KYC norms, they also use big data to track spending patterns of customers.
Read MoreA 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.
Read MoreThe 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.
Read MoreThe main objective of this startup started by Ekmeet Singh, Bhuvan Rustagi and Jatin Malwal, removes mediators like banks, depository institutions etc.
Read MorePeer-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.
Read MoreIn 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.
Read MoreWhat is P2P Investment?
What is Lendbox?
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:
How do I know my investment is safe with Lendbox?
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?
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?
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?
Is my personal and financial information secure on Lendbox?
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]