P2P LENDING

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P2P Products as per Company

01 Faircent NBFC - P2P (REGISTERED with RBI)
PLAN NAME MINIMUM  INVESTMENT TIME PERIOD RETURN LOCK IN
FIXED TERM PLAN (FAIRCENT DOUBLE)   Invest Now
1 25K 12 MONTH 12% YES
2 50K 6 MONTH 11% YES
3 1 LAC 3 MONTH 10% YES
MONTHLY INCOME PLAN (FAIRCENT DOUBLE)  Invest Now
1 25K 24 MONTH 10% YES
2 25K 36 MONTH 10.50% YES





FREEDOM PLAN (ANY TIME WITHDRAWAL) (FAIRCENT DOUBLE)  Invest Now
1 1.5 LAC ABOVE 30 DAYS UP TO 8.25% NO
02 Finzy NBFC - P2P (REGISTERED with RBI)
PLAN NAME MINIMUM  INVESTMENT TIME PERIOD RETURN LOCK IN
FIXED TERM PLAN (Monthly Return)   Invest Now
1 50K 6 MONTH  9% YES
2 50K 12 MONTH 10% YES
3 50K 24 MONTH 11% YES
4 50K 36 MONTH 12% YES
03 LenDenClub NBFC - P2P (REGISTERED with RBI)
PLAN NAME MINIMUM  INVESTMENT TIME PERIOD RETURN LOCK IN
FMPP (Annualized Return)  Invest Now
1 10K 3 MONTH UP TO 9% YES
2 10K 1 YEAR UP TO 11% YES
3 10K 2 YEAR UP TO 11.25% YES
4 10K 3 YEAR UP TO 11.50% YES
5 10K 4 YEAR UP TO 11.75% YES
6 10K 5 YEAR UP TO 12% YES
04 CreditFair (Licensed By Lenbox)
PLAN NAME MINIMUM  INVESTMENT TIME PERIOD RETURN LOCK IN
FIXED TERM PLAN  Invest Now
1 10K 2 MONTH 10.50% YES
2 10K 3 MONTH 9.75% YES
3 10K 6 MONTH 11% YES
MONTHLY INCOME PLAN   Invest Now
1 10K 2 MONTH 10.50% YES
2 10K 3 MONTH 9.75% YES
3 10K 6 MONTH 11% YES
FLEXI PLAN 2 DAYS LOCKIN Invest Now
2 10K 2 DAYS 9.50% YES

P2P Products as per Tenure

P2P Products as per Tenure
Flexi Term (Liquid)
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
CreditFair Capital Invest Now Up to 9.5% PA 10k Daily Yes
 
3 Months
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Faircent double Invest Now 10% 1 Lacs At maturity Yes
Lenden club Invest Now Up to 9% 10 K At maturity Yes
CreditFair Capital Invest Now 9.75% 10K At maturity Yes
CreditFair Capital Invest Now 9.75% 10K Monthly Yes
 
6 Month
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Finzy Invest Now Up to 9% 50 K Monthly Yes
CreditFair Capital Invest Now 11% 10K At maturity Yes
CreditFair Capital Invest Now 11% 10K Monthly Yes
 
12 Month
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Faircent double Invest Now Fixed term plan 1 LAC 11% Yes
Lenden club Invest Now FMPP (Annualized Return) 10k Up to 11% Yes
finzy Invest Now Fixed term plan 50k Up to 10% Yes
 
24 Month
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Faircent Double Invest Now 10% 25 K Monthly Yes
Lenden club Invest Now Up to 11.25% 10 K Monthly Yes
Finzy Invest Now Up to 11% 50 K Monthly Yes
 
36 Month
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Faircent Double Invest Now 11% 25 K Monthly Yes
Lenden club Invest Now Up to 11.50% 10 K Monthly Yes
 
48 Month
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Lenden club Invest Now Up to 11.75% 10 K Monthly Yes
 
60 Month
NBFC-P2P INVEST ANNUAL INTEREST RATE (UP TO) MINIMUM INVESTMENT INTEREST PAYABLE MODE LOCK IN PERIOD
Lenden club Invest Now Up to 11.75% 10 K Monthly Yes

P2P Products as per Annual Interest Rate %

8 TO 10%
NBFC -P2P INVEST NOW PLAN NAME Minimum investment AMOUNT ANNUAL INTEREST RATE UP-TO Time period Lock in PERIOD
Faircent double Invest Now Freedom plan 1.5 lac Up to 8.25% Above 30 Days No
Lenden club Invest Now FMPP 10k Upto 9% 3 Months Yes
Finzy Invest Now Fixed term plan 50k 9% 6 Months Yes
Credit Fair Invest Now Flexi 10k 9.50% 2 Days No
Credit Fair Invest Now Flexi 10k 9.75% 3 Months Yes
 
10 to 12%
NBFC -P2P INVEST NOW PLAN NAME Minimum investment AMOUNT ANNUAL INTEREST RATE UP-TO Time period Lock in PERIOD
Faircent double Invest Now Fixed term plan 1 lac 10% 3 months Yes
50 k 11% 6 months Yes
25K 12% 12 months Yes
Invest Now Monthly income plan 25k 10% 24 months Yes
25 k 10.50% 36 months Yes
Lenden club Invest Now FMPP 10k Upto 11% 12 months Yes
Up to 11.25% 24 months Yes
Up to 11.50% 36 months Yes
Up to 11.75% 48 months Yes
Finzy Invest Now Fixed term plan 50k 10% 12 months Yes
11% 24 months Yes
CreditFair Invest Now Fixed term plan 10k 11% 6 months Yes
Monthly Payout 10k 11% 6 months Yes
 
From 12% and Above
NBFC -P2P INVEST NOW PLAN NAME Minimum investment AMOUNT ANNUAL INTEREST RATE UP-TO Time period Lock in PERIOD
Faircent double Invest Now Fixed term plan 25k 12% 12 months Yes
Lenden club Invest Now FMPP 10k Upto 12% 60 months Yes
Finzy Invest Now Fixed term plan 50k 12% 36 months Yes

Frequently Asked Questions

Peer to Peer Lending, also referred to as P2P Lending is an alternate asset class where an individual can borrow funds from multiple individuals through a digital platform. In effect, P2P platforms offer a digital marketplace to connect borrowers and lenders for unsecured personal loans and thereafter manage the entire life cycle of a loan to offer monthly returns to lenders.

How do Investors benefits from P2P Lending ?

When compared to other traditional debt products such as fixed deposits, debt mutual funds, and so on, P2P Lending allows investors to beat inflation and earn higher interest on their money.

What are the Tax Implications on P2P Lending ?

The interest income is considered as income from other sources and taxation is as per the tax bracket of the individual investors. TDS is not applicable as of now.

Why should I invest in P2P lending products with Asha FinPro ?

We at Asha FinPro help investors to diversify their investments among different P2P service providers along with sufficient know-how. Our online P2P lending platform works as an aggregator for P2P lending products.

What is the Minimum Amount I can Invest ?

Peer to Peer lending, like other asset classes, works best with portfolio diversification. With a intial investment of ₹ 1 Lakh, you can build a lending portfolio across 100+ loans which ensures investment risks are minimized - enabling you to enjoy high yields consistently. Smaller investments, result in the concentration of portfolio across fewer loans and hence do not provide for sufficient levels of diversification. Hence, intial investments of less than INR, 1 lakh are NOT recommended.

Are P2P Lending Well-Regulated Investment Platforms In India ?

Yes, Peer to Peer lending in India is backed by the RBI's robust regulatory guidelines from October 2017. These guidelines recognize P2P lending platforms as a new class of NBFCs (“NBFC - P2P”) and define the scope of permitted activities, minimum capital requirements, and other key operational parameters.

What happens if the P2P platform shuts down ?

As per RBI regulations, the P2P platform is managed by a trustee who always operates the escrow account. The trustee has access to the original borrower’s agreement and NACH mandates that allow them to take necessary steps to recover the funds on behalf of Lenders.

Can I interact with my P2P investment only through the Asha FinPro only ?

Not at all – you can continue to access the full-featured P2P experience at their website regardless of whether you can use Asha FinPro or not.