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Simultaneously, an investor class is looking to diversify their portfolio with alternative investment options that yield high returns. P2P lending fill this gap and bring these demographics together, creating an ecosystem for people to meet their financial goals. We, as market leaders, strive to fulfill the demands left unattended by others and are the fastest-growing P2P lending platform in the country. We are led by passionate problem solvers and backed by investors around the world to realize this dream and become the most trustworthy platform for both our investors and borrowers.

About FMPP

It’s a loan-matching algorithm designed to make effective matchmaking between investor/lender and borrower to achieve maximum diversification across a maximum number of loans. As the name says, we take the lowest possible fraction of your investment to invest in loans as low as Re. 1 to mitigate risk. You can start with as low as ₹ 10,000 for a year. FMPP® has given returns of more than 10% to its investors in the past quarter.

There's some risk

Credit Default Risk: LenDenClub platform puts its best efforts into sourcing the right borrowers, and do thorough underwriting, information verification, and KYC checks. However, there is still a possibility of fraud or credit default risk for the borrower. It’s part and parcel of any lending activity. Here, your investment is into loans. In a way, it’s a lending activity. Though LenDenClub’s platform’s performance is good, and it delivered good results in the past, it is vital for you to understand the risk involved in the investment. To mitigate this risk, your investment should be divided into small amounts. On the LenDenClub platform, the capital matching algorithm helps you achieve the same.

Collection Risk: If a borrower does not repay, the platform uses various channels (which follow all RBI-specified guidelines) to recover the funds and ensure you receive your funds back. This includes digital follow-ups, physical meetings with the borrower, and initiating a legal recovery process against the borrower. Based on the loan amount, outstanding amounts, and physical connectivity of the place, the platform decides on the type of collection efforts in the best possible way. Again, because your investments are divided into hundreds and thousands of loans, the effect of non-repayment by a particular borrower will be very minimal.