P2P(Peer-to-Peer) Lending

invest at clicks

Invest at Clicks

It will only take you two minutes to get started with your P2P investment journey.

Investment supermarket

Investment Supermarket

Invest in a way that is most convenient for you. Saving time and effort with transparency and ease.

Elevated returns

Elevated Returns

Using our analytical tools, you can increase the return on your investment compared to other platforms.

Robust Mechanism

Robust Mechanisum

Algorithmically diversify borrowers and lenders and invest in multiple P2P companies and products to reduce risk.

About Swaraj FinPro

Founded in 2004, Swaraj Finpro Private Limited is India's top online and transparent marketplace that brings together the widest range of P2P products from all of the leading P2P-NBFCs under one roof to simplify the investment journey and protect the interests of all stakeholders.

Looking for a platform that facilitates P2P lending? Here's how it goes:

We bring together lenders and investors.

Investors who are looking to make substantial returns can lend money to verified borrowers who are listed on the P2P- NBFC portal.

Before approving a loan proposal, a P2P - NBFC conducts a thorough credit evaluation of the borrower and manages the entire loan cycle on their behalf, from disbursement to repayment.

p2p lending

P2P Products as per Company

Have a close look at various NBFC-P2P investment products we offer!

01 Faircent
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

3 1.5 LAC ABOVE 30 DAYS

UP TO 8.25%

NO
02 Finzy (NBFC-P2P)
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 Lendbox (NBFC-P2P)
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

P2P Products as per Tenure (Month)

Flexi Term (Liquid)
NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode Lock in Period
Lendbox Invest Now Up to 9.5% PA 50 K Daily Yes
3 Months
NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode Lock in Period
Faircent double Invest Now 10% 1 Lacs Monthly Yes
6 Months
NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode Lock in Period
Faircent Double Invest Now 11% 50 K At maturity Yes
Finzy Invest Now 9% 50 K Monthly Yes
12 Months
NBFC -P2P INVEST NOW PLAN NAME Minimum investment AMOUNT ANNUAL INTEREST RATE UP-TO Lock in PERIOD
Faircent double Invest Now Fixed term plan 25k 12% Yes
Lendbox Invest Now Fixed term plan 1 lac 11% with monthly pay out Yes
1 lac 11.5 % with compounding yes
Invest Now Alternative ( Return Monthly Withdrawal) 1 lac 12% pa with 1% Monthly pay out yes
finzy Invest Now Fixed term plan 50k 10% yes
18 Months
NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
Finzy Invest Now 11% 5 Lacs Monthly
Finzy Invest Now 11.50% 5 Lacs At maturity
24 Months
FinzyInvest Now11%50 KAt maturityYes
NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode Lock in Period
Faircent Double Invest Now 10% 25 K At maturity Yes
36 Months
NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode Lock in Period
Faircent Double Invest Now 10% 25 K At maturity Yes

P2P Products as per Annual Interest Rate %

From 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
lendbox Invest Now Flexi plan 50k Up to 9.5% PA Open No
Finzy Invest Now Fixed term plan 50k 9% 6 Months Yes
From 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
Invest Now Monthly income plan 25k 10% 24 months yes
25 k 10.50% 36 months yes
Lendbox Invest Now Fixed term plan 1 lac 11% with monthly payout 12 month yes
1 lac 11.5% with compounding 12 months yes
Finzy Invest Now Fixed term plan 50k 10% 12 months yes
11% 24 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
Lendbox Invest Now Alternative plan 1 lac 12% PA with 1% monthly payout 12 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 secured personal loans and thereafter manage the entire life cycle of a loan to offer monthly returns to lenders.

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.

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.

FINZY provides a very simple interest certificate for every financial year mentioning the interest income, FINZY fees, and GST on the fees and write-off and write back if any.

Lenders can expect a net pre-tax return up to 12 % XIRR Max. on the net invested amount. There are so many different rates of returns available in P2P space, largely depending on the time horizon, the amount you invest, asset type, and service provider. P2P investments, however, do NOT guarantee any returns.

Any Individual, a body of individuals, a HUF, a firm, a society, or any artificial body, with a valid Indian Bank Account and PAN Card, can lend on P2P lending platforms. RBI listed finance companies or Companies formed under the Indian Companies Act are also eligible to apply as Lenders.

We at Swaraj 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.

Peer to Peer lending, like other asset classes, works best with portfolio diversification. With an initial investment of INR. 1 lakh, you can build a lending portfolio across 100+ loans which ensures investment risks a 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, initial investments of less than INR. 1 lakh are NOT recommended.

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.

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.

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

Transfer of money takes place through an online automated process. The loan amount is transferred from the Lenders Escrow Account to the borrower’s bank account. All repayments– EMI and pre-closure –happen online via Electronic Money Transfer from the borrower’s account to the lender’s Escrow account, from where it gets reflected in the respective lender’s virtual account.