IndiaP2P

Enabling retail investors to earn monthly returns by investing in India's best borrowers - women and small business owners.

IndiaP2P advertises returns of "up to 18% A.P.R. (net of platform fee)" through an RBI-certified NBFC-P2P platform with monthly repayments transferred directly to investors' bank accounts.

Individual investors seeking monthly passive income; entry investment starts from as low as ₹10,000 and platform allows allocation across multiple borrowers to spread risk.

IndiaP2P provides access to credit to "women borrowers who are recognised as the highest quality borrowers in the country," including 6,000+ women entrepreneurs across India at near-zero NPAs.

IndiaP2P operates as "India's RBI Certified P2P Lending Platform," onboarding retail investors directly online with a stated four-step onboarding process and self-service loan allocation across borrowers.

Co-founder Ravinder Voomidisingh brings "15+ years lending experience" having "underwritten over USD 7 billion in loans including microfinance," underpinning IndiaP2P's borrower screening for its curated women/small-business loan book.

Wealth Grow now provides infrastructure, loan sourcing, and collection services for a commission to IndiaP2P.

IndiaP2P shifted to an asset-light model in FY24 by transferring its eight branch assets to a promoter-linked firm, Wealth Grow Technologies. Wealth Grow now provides infrastructure, loan sourcing, and collection services for a commission to IndiaP2P, and has picked up a 20% stake in the company.

Investor returns are quoted "net of platform fee" (e.g. up to 18% A.P.R. net of platform fee on the Monthly Income Plan+), indicating IndiaP2P monetizes via a fee deducted from gross loan yields.