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Lendbox introduces very low risk alternative investments

Diversify Across Multiple Low Risk Alternative Investment Options

Lendbox has partnered with leading technology companies to bring you a safer and better investment solution. Fulfil your short term and long term investment goals with 100% transparency.

  • Start investing with just ₹10,000

  • Earn up to 16% in returns

  • Very Low Risk Investments

  • 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

Here's what Lendbox alternative investments have for you

Lower Risk

Find the right investment as per your risk appetite. From medium to zero risk, you can diversify your investments across multiple categories.

Higher Returns

With Lendbox, you can earn better returns than most traditional investment options. Interest rates at Lendbox goes up to 27% depending on the risk appetite.

Flexible Tenures

Choose your own investment tenures. Lendbox gives you complete democracy to make your own decisions.

Diversify Across Multiple Low Risk Alternative Investment Options

Zero Risk. (Micro-ATM Working Capital Loans)

Lendbox have partnered with the biggest Micro-ATM and money remittance aggregators in the country to provide daily working capital to a large network of channel partners operating Micro-ATMs throughout the country (Daily/Weekend Loans)

Rate of Interest - 12-13% p.a. (Flat)

Tenure - 3 months

Monthly interest payments and principal + interest on maturity

Diversified portfolio of borrowers

Zero Default - settlement guaranteed by aggregator

Highly liquid - can be liquidated at one-month notice

Low Risk. (Ed-Tech Platform Subscription Loan)

EMI-based financing for availing online subscription based courses for students and professionals.

Rate of Interest -16-18% p.a.

Tenure: 3-12 months

Monthly interest payments and principal + interest on maturity

EMI's are reinvested to compound returns

Highly liquid - can be liquidated at one-month notice

Medium Risk. (P2P Lending)

Lend capital to verified credit seeking individuals with P2P lending through unsecured personal loan. Lendbox is a tech-driven marketplace that leverages new age technology to connect credit-seeking individuals and organizations with lenders. It categorizes the borrowers based on their credit-worthiness and allocates investor funds intelligently to maximize a lender's wealth.

Rate of Interest -20-24% p.a.

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

Opportunity to negotiate with the borrower before closing a deal

Support in collections when required

Recommended score and interest rate along with approved amount

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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