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P2P Lending

People borrowing or lending to other people has been a practice followed unofficially since ages. Although the lender can charge a higher premium from the borrower, the risk of default is very high as well.

But now P2P lending is quite easy with different RBI regulated P2P lending platforms. Yield Yard in alliance with these P2P lenders offers different kind of lending investment options which is 100% online! Investors can diversify their investment portfolio into a new asset class and earn monthly passive income.

Why P2P Lending?

  1. Earn passive income through P2P lending
  2. Higher than FD returns
  3. Asset diversification
  4. Returns not linked with markets

Faircent

Monthly returns to augment your income
Scheme Tenure Minimum Invesment Return
Monthly liquid plan 36 10k ~12%- 14% p.a.
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Earn high returns and supplement your earnings
Scheme Tenure Minimum Invesment Return
Fixed Term Plans
(Interest & Principal paid at the end of the term)		 12 25K ~12% p.a.
6 50K ~11% p.a.
3 1 Lakh ~10% p.a.
Invest Now
Earn high returns and supplement your earnings
Scheme Tenure Minimum Invesment Return
Monthly Income Plans
(Interest credited monthly & Principal paid at the end of the term)		 36 25K ~10.5% p.a.
24 25K ~10% p.a.
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Liquiloans

Fixed Term plan is Benificial for Customer Wanting to park their money
Scheme Tenure Minimum Invesment Return
Fixed Income term plan 12 10K 10.00%
6 10K 9.50%
3 10K 9.00%
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Fixed Term plan is Benificial for Customer Wanting to park their money
Scheme Tenure Minimum Invesment Return
Fixed Income term plan 36 (Growth, Simple Interest) 10K 10.50%
36 (Monthly Payout) 10K 9.50%
24 (Growth, Simple Interest) 10K 10.00%
24 (Monthly Payout) 10K 9.40%
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Fixed Term plan is Benificial for Customer Wanting to park their money
Scheme Tenure Minimum Invesment Return
5 MHP* 5 months 10K 10.50%*
Scheme Validity : 5th - 15th June 2024
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How P2P Lending Works

Choose from below P2P lending options (Contact us if you wish to understand about any below products)

Create account and complete KYC.

Invest and reap the benefits!

Frequently asked question

  • What are the maximum investment amount in P2P lending?

    As per RBI guidelines, the maximum amount per lender is capped at Rs 50,00,000 across all P2P platforms.

  • Are the returns earned from p2p lending subject to taxation?

    Yes, the earnings from P2P investments will be included in your total income and taxed according to the applicable tax rate based on your income bracket.

  • How safe is the invested money? Who is this money lend to?

    To safeguard the investments, on an average, one lender's money is distributed across more than multiple borrowers. All borrowers undergo thorough verification and are screened through hundreds of criteria. The funds are also managed by an RBI approved independent trustee and routed through an escrow bank account for added security only on your approval.

  • Are there any additional / processing charges while investing or withdrawing?

    There are no additional fees for investing or withdrawing after maturity. A payment gateway fee might apply, depending on the payment method chosen.

  • Can I invest more than 10 lacs ?

    According to the RBI, the maximum investment allowed in P2P platforms is ₹10L. To increase this limit to ₹50L, investors must demonstrate a net worth certificate of ₹50L or more. This Net Worth Certificate is provided by an independent Chartered Accountant directly to you pursuant to your request.

  • Is there any lock-in for this investment?

    The lock-in period depends on the plan selected.

  • How do the withdrawals work and what are the steps?

    On registering with us as a lender, a virtual escrow account in your name gets opened. At the time of investment, you transfer your funds into this secure, personalized escrow account. From here your funds are disbursed to borrowers as loans. At the end of your investment period, the money is returned to this escrow account from where you can withdraw your money into your bank account.

  • Is there any 80C benefit on this investment?

    No, there is no tax benefit under section 80C for investing.

  • Is p2p lending regulated?

    Yes, peer-to-peer (P2P) lending is regulated by the Reserve Bank of India (RBI) in India. The RBI introduced guidelines for P2P lending platforms in 2017 to regulate the sector and ensure the protection of investors' interests.

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  • What are the risks? How are they managed?

    P2P lending platforms minimize risk by conducting thorough identity, credit, and risk assessments on every borrower based on hundreds of criteria. The customer’s investments are further protected by diversification across a number of borrowers. In case of defaults we use legally-compliant collection agencies to follow-up.

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  • How can I withdraw my money? Are there any charges?

    There might be withdrawal charges depending on the type of product brought.

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  • Does the risk vary with investment plans?

    The level of risk is managed at the complete platform level which makes diversification and strong risk mitigation measures possible. The level of risk is similar across investment plans. Your returns depend on how long your investments remain deployed and hence the longer plan durations offer better returns.

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  • Can I reinvest the amount post maturity? How does reinvesting work?

    Yes few plans have reinvestment options.

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  • Is the interest payout daily, weekly or monthly? Is this interest also re-invested?

    Interest payouts vary based on the investment plan chosen. For the fixed term plans interest payout happens at maturity, Monthly payout plans you will get the payout on monthly basis and the principal at the time of maturity, while the freedom plan offers daily accrual of returns with the freedom to withdraw at any time.

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  • Is my credit score impacted by giving this loan?

    No, lending does not impact a lender's credit score.

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  • How is my money invested?

    1. Lenders (like you) invest Funds invested through different investment plans are merged into corpus funds

    2. Borrowers are selected Credible selection via rigorous verification & evaluation of 200+ criteria & 400+ data points

    3. Loans are disbursed Basis credit history and loan tenures, money is disbursed at rates ranging from 10% to 24% p.a.

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