India's Largest P2P Lending Platform. An RBI registered NBFC-P2P.
Lend small amounts to many verified borrowers, earn interest as they repay, and track it all in one app. Diversify your portfolio beyond market-linked instruments.
- ₹20K Cr+ disbursed
- 3.5 Cr+ registered users
- Over 11 Years in Operation
What is p2p lending in India?
Before you jump in, it is important to know what is peer to peer lending. P2P lending, is a regulated way for individuals to lend money directly to other individuals or businesses through an RBI-approved digital platform. Instead of money sitting in a bank account, peer to peer lending lets you earn interest by funding thousands of small loans to verified borrowers across India.
In India, P2P lending is regulated by the Reserve Bank of India under the NBFC-P2P framework (Master Directions, 2017, updated August 2024). Only platforms registered as NBFC-P2P with the RBI like LenDenClub are legally allowed to operate this service.
Lakhs of users trust LenDenClub for P2P Lending
Not because we promise the most. because of the underlying engine we built over a decade that powers the largest peer to peer lending platform in the country managing lakhs of daily transactions.
India's largest P2P
lending platform
3.5 crore+ registered users and ₹20,000 Cr+ lent so far. the longest, deepest track record in Indian P2P since 2015.
670+ checks on every
borrower
Before anyone shows up for you to fund, they've been assessed thoroughly by a strict credit underwriting engine.
In-house collections
support
When a borrower falls behind, our own team along with multiple agencies handle recovery support for you
Peer to Peer Lending helps you Diversify Your Portfolio
Lend Smarter, Spread the Risk
Lend Smarter, Spread the Risk
Few numbers that truly matter
Historical numbers so you know what you are getting into, make informed decision.
24% p.a.
Earned on average as per historical data on closed loans
9/10
Lenders earned more than 15% p.a. as per historical records
₹ 20,000 Crore+
Lent across India by lakhs of individuals to crores of borrowers
Why settle for less when you can earn better interest with us?
how it actually works
You pick who you lend to. Control how your money works for you.
Ready to start diversifying your funds?
Diversify your portfolio in peer to peer lending and earn attractive interest.
What our lenders ask?
Frequently Asked Questions (FAQs)
Is peer to peer lending legal in India?
Yes. P2P lending is regulated by the Reserve Bank of India (RBI) under the NBFC-P2P framework, introduced in 2017 and updated in August 2024. Only RBI-registered NBFC-P2P platforms can offer P2P lending in India.
Is my lent amount safe with LenDenClub?
LenDenClub, a Peer to Peer Lending platform puts its best efforts into sourcing the right borrowers, and do thorough underwriting, information verification, and KYC checks. However, there is still a possibility of credit default risk for the borrower. It’s part and parcel of any lending activity. Here, your money is lent into loans. In a way, it’s a lending activity. Though LenDenClub’s platform’s performance is good, and it delivered good results in the past, it is vital for you to understand the risk involved in the lending. To mitigate this risk, your lent amount should be divided into small amounts. On the LenDenClub platform, the capital matching algorithm helps you achieve the same.
Is peer to peer lending through LenDenClub regulated?
Yes, LenDenClub is a fully regulated P2P lending platform, registered with the Reserve Bank of India (RBI) as an NBFC-P2P. All operations and processes follow RBI guidelines to ensure safety and transparency for both lenders.
How does LenDenClub verify borrowers?
Every borrower on LenDenClub is screened across 670+ data parameters including credit bureau scores, income verification, bank statements, employment records, and digital footprint. Only borrowers meeting our credit threshold are listed.
What if the borrower doesn’t repay?
LenDenClub has multiple measures in place to recover pending dues from borrowers. These include auto-debit mandates and digital reminders. In addition, we have an in-house team of certified collection agents who operate in accordance with RBI guidelines, as well as partnerships with third-party recovery agencies.
Despite these rigorous efforts, there may be instances where a borrower fails to repay. To reduce the impact of such cases, we recommend diversifying your funds across multiple borrowers. This strategy helps improve portfolio performance and reduces individual risk exposure.