Provides a regulated peer-to-peer lending platform that connects individual investors with curated retail loans, primarily from women entrepreneurs, offering annual returns of up to 18% through fractionalized loan portfolios. This approach addresses the need for high-yield, non-market-linked investment options while promoting financial inclusion and supporting small businesses.
Funding
$160K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
FVFounders
Product
Problem
Individual investors often seek high-yield investment opportunities that are not correlated with market volatility, while small businesses, particularly those led by women, require access to capital for growth and sustainability. Traditional investment options may not provide the desired returns, and conventional lending institutions may have stringent requirements that underserved businesses cannot meet.
Solution
IndiaP2P provides a peer-to-peer (P2P) lending platform that directly connects investors with curated retail loans, primarily supporting women entrepreneurs. This platform enables investors to earn returns by fractionalizing investments across multiple loans, diversifying risk and providing monthly payouts. By disintermediating traditional financial institutions, IndiaP2P offers an alternative investment avenue with predictable performance and promotes financial inclusion by channeling funds to small businesses that may otherwise be excluded from traditional lending systems. The platform is a Reserve Bank of India (RBI) certified Non-Banking Financial Company - Peer to Peer (NBFC-P2P), ensuring regulatory compliance and investor protection.
Target Audience
The primary target audience includes retail investors seeking high-yield, non-market-linked returns and women entrepreneurs requiring access to capital for business growth.
Features
- Monthly Income Plan Plus: Receive monthly repayments consisting of principal and interest.
- Loan Tenures: Investments are offered in loan tenures up to 24 months.
- Diversification: Investments are diversified across multiple loan fractions to mitigate risk.
- Minimum Investment: Initial investments can be as low as ₹25,000.
- Regulatory Compliance: RBI-certified NBFC-P2P, ensuring operations adhere to regulatory standards.
- Borrower Screening: Employs a credit algorithm and physical verification to assess borrower creditworthiness.
- Escrow Account: Lender funds are transferred to a bank-managed escrow account.
- Digital Platform: Online KYC verification and e-signing of terms and conditions for streamlined onboarding.