P2P(Peer-to-Peer) Lending

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.

Mr. Ajay Kumar Jain (Founder and Director)

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!

    01 Faircent
    Tenure (Months) Interest Now Annual Interest Rate (Up to) Minimum Investment Amount Interest Payable Mode
    0 Months Invest Now 8.25% 3 Lacs Quarterly/At maturity
    3 Months Invest Now 10% 2 Lacs At maturity
    6 Months Invest Now 11% 1 Lacs At maturity
    12 Months Invest Now 12% 50 k At maturity
    24 Months Invest Now 10.50% 25 k Monthly
    36 Months Invest Now 11% 25 k Monthly
    02 Finzy (NBFC-P2P)
    Tenure (Months) Invest Now Annual Interest Rate (Up to) Minimum Investment Amount Interest Payable Mode
    12 Months Invest Now 10% 5 Lacs Monthly
    12 Months Invest Now 10.40% 5 Lacs At maturity
    18 Months Invest Now 11% 5 Lacs Monthly
    18 Months Invest Now 11.50% 5 k At maturity
    03 Lendbox (NBFC-P2P)
    Tenure (Months) Invest Now Annual Interest Rate (Up to) Minimum Investment Amount Interest Payable Mode
    0 Months Invest Now 9.50% 50 k Daily
    2 Months Invest Now 11.50% 1 Lacs At maturity
    04 LendenClub (NBFC-P2P)
    Tenure (Months) Invest Now Annual Interest Rate (Up to) Minimum Investment Amount Interest Payable Mode
    12 to 60 Months Invest Now 10 - 12% 10 K At Maturity (Optional - End of every year)

    P2P Products as per Tenure (Month)

    Flexi Term (Liquid)
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 8.25% 3 Lacs Quarterly/At maturity
    Lendbox Invest Now 9.50% 50 K Daily
    3 Months
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 10% 2 Lacs At maturity
    6 Months
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 11% 1Lacs At maturity
    12 Months
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 12% 50 K At maturity
    Finzy Invest Now 10% 5 Lacs Monthly
    Finzy Invest Now 10.40% 5 Lacs At maturity
    Lendbox Invest Now 11.50% 1 Lacs Monthly/At maturity
    LendenClub Invest Now 10 - 12% 10 K At Maturity (Optional - End of every year)
    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
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 10.50% 25 K Monthly
    LendenClub Invest Now 10 - 12% 10 K At Maturity (Optional - End of every year)
    36 Months
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 11% 25 K Monthly
    LendenClub Invest Now 10 - 12% 10 K At Maturity (Optional - End of every year)
    48 Months
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 11% 25 K Monthly
    LendenClub Invest Now 10 - 12% 10 K At Maturity (Optional - End of every year)
    60 Months
    NBFC-P2P Invest Annual Interest Rate (Up To) Minimum Investment Amount Interest Payable Mode
    Faircent Invest Now 11% 25 K Monthly
    LendenClub Invest Now 10 - 12% 10 K At Maturity (Optional - End of every year)

    P2P Products as per Annual Interest Rate %

    From 8% to 10%
    NBFC-P2PTenure (Months)Annual Interest Rate (Up To)Minimum Investment AmountInterest Payable ModeInvest
    Faircent Invest Now 0 Months 8.25% 3 Lacs Quarterly/At maturity
    Lendbox Invest Now 0 Months 9.50% 50 K Daily
    From 10% to 12%
    NBFC-P2PTenure (Months)Annual Interest Rate (Up To)Minimum Investment AmountInterest Payable ModeInvest
    Finzy Invest Now 12 Months 10% 5 Lacs Monthly
    Faircent  Invest Now 3 Months 10% 2 Lacs At Maturity
    Finzy  Invest Now 12 Months 10.40% 5 Lacs At Maturity
    Faircent  Invest Now 24 Months 10.50% 25 k Monthly
    Finzy  Invest Now 18 Months 11% 5 Lacs Monthly
    Faircent  Invest Now 36 Months 11% 25 K Monthly
    Faircent  Invest Now 6 Months 11% 1 Lacs At Maturity
    Lendbox  Invest Now 12 Months 11.50% 1 Lacs Monthly/At maturity
    Finzy  Invest Now 18 Months 11.50% 5 Lacs At Maturity
    LendenClub  Invest Now Yearly 10 - 12% 10 K At Maturity (Optional - End of every year)
    From 12% and Above
    NBFC-P2PTenure (Months)Annual Interest Rate (Up To)Minimum Investment AmountInterest Payable ModeInvest
    Faircent  Invest Now 12 Months 12% 50 K At Maturity
    LendenClub  Invest Now 12 Months 12% 10 K At Maturity
    LendenClub  Invest Now 24 Months 13.50% 10 K At Maturity

    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 unsecured 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.

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