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

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

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

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.
We at Swaraj Finpro are a proven financial service provider and have redefined the way people used to invest and save. With over 50 years of combined experience of the team, the company focuses on goal-oriented long-term savings.
We are a process driven enterprise and want to empower general investors to plan their financial goal in a scientific manner and help them achieve their financial goals well in time.
Ajay Kumar Jain is the Chairman and Chief Managing Director of Swaraj Finpro Private Limited formerly Swaraj Wealth Management Pvt. Ltd. He is a certified investment and wealth manager whose mission is to simplify investment planning for its esteemed retail and HNI clients.

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 Products as per Company
Have a close look at various NBFC-P2P investment products we offer!

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 |

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 |

PLAN NAME | MINIMUM INVESTMENT | TIME PERIOD |
RETURN |
LOCK IN |
FLEXI (Any Time Withdrawal) Invest Now |
||||
1 | 50K | OPEN |
UP TO 9.5% PA |
NO |
FIXED TERM (Annualized Return) Invest Now |
||||
2 | 1 LAC | 12 MONTH |
11% WITH MONTHLY PAYOUT |
YES |
3 | 1 LAC | 12 MONTH |
11.5% WITH COMPOUNDING |
YES |
Alternative ( Return Monthly Withdrawal) Invest Now |
||||
4 | 1 LAC | 12 MONTH |
12% PA WITH 1% MONTHLY PAYOUT |
YES |

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)

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 |

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 |
Lenden club | Invest Now | Up to 9% | 10 K | At maturity | Yes |

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 |

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 | |
Lenden club | Invest Now | FMPP (Annualized Return) | 10k | Up to 11% | yes |
finzy | Invest Now | Fixed term plan | 50k | 10% | yes |

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 |

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 |
Lenden club | Invest Now | Up to 11.25% | 10 K | Monthly | Yes | Finzy | Invest Now | 11% | 50 K | At maturity | Yes |

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 |
Lenden club | Invest Now | Up to 11.25% | 10 K | Monthly | Yes |

NBFC-P2P | Invest | Annual Interest Rate (Up To) | Minimum Investment Amount | Interest Payable Mode | Lock in Period |
---|---|---|---|---|---|
Lenden club | Invest Now | Up to 11.75% | 10 K | Monthly | Yes |

NBFC-P2P | Invest | Annual Interest Rate (Up To) | Minimum Investment Amount | Interest Payable Mode | Lock in Period |
---|---|---|---|---|---|
Lenden club | Invest Now | Up to 12% | 10 K | Monthly | Yes |
P2P Products as per Annual Interest Rate %

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 |
Lenden club | Invest Now | FMPP | 10k | Upto 9% | 3 Months | Yes |
Finzy | Invest Now | Fixed term plan | 50k | 9% | 6 Months | Yes |

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 | |||
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 |

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 |
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 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.