A walkthrough for FMPP

Aug 16, 2022

Details and FAQs on, and walkthrough for FMPP

In this blog, we shall go through FMPP in brief. You can understand as to what makes it so lucrative not only as an alternative investment avenue but also as a one-point investment solution for all. Finally, we shall go through the steps of starting an FMPP investment plan.

What is FMPP?

FMPP, i.e. Fixed-Maturity Peer-to-Peer Plan, is regarded as one of the most pivotal in bringing about a revolution in the FinTech sector. It is undoubtedly an investment plan that gives the most balanced features of all investment avenues. With returns of up to 10 to 12% p.a.* Marginalised NPA through Systematic Risk Mitigation, non-market-linked nature, and working on a duly regulated platform, FMPP is surely meant for wealth-building.

As a leader in the P2P sector, LenDenClub has had a consistent portfolio of 10 to 12% p.a.* since 2017. FMPP is set to give platform-level uniformity in portfolio performance. 

The hyper-diversification principle unique for Fixed maturity high returns is based on an upgraded algorithm. An investment fund is allocated to individual borrowers as low as ₹1 per borrower. This way, defaults are evened out on a platform level reducing NPA for individual investors. 

Due to its tech-enabled nature, the end-to-end process of on-boarding borrowers to allocation of funds in FMPP is carried out digitally without human intervention. Nevertheless, some steps like clearing some pending blockages, like double-checking a questionable eKYC application and overriding it if some conditions are met, are done manually since they require keen vigilance of human eyes.

LenDenClub is India’s No. 1 and most secure P2P Lending Platform. Being RBI-registered, it is also fully escrow-complaint. The funds are, thereby, handled in escrow accounts, which are units detached from the platform, providing uncom security to investors’ funds.

Who are eligible for FMPP?

FMPP, as a great alternative investment avenue with inflation-beating, double-digit returns, is meant for everyone over the age of 18 years. An adult Indian with a valid PAN, Aadhar card, and bank account; and an Indian expatriate (NRI) with an NRO account and valid Indian PAN are eligible. Institutional investors can also invest in FMPP.


You can find volumes on FMPP in the FMPP product section of the LenDenClub website. You can always feel free to send in an email or chat with the chatbot on the website for any specific information you are looking for. In this section, you’ll find answers to FAQs that are vaguely related to FMPP but demand definitive answers.

  1. How is FMPP the next big step in investing?

FMPP has been designed to give returns that are higher than fixed deposits and recurring deposits, on the one hand; on the other hand, it is meant to offer returns. With a starting investment amount of ₹10,000, FMPP makes both the ends meet so that one can have an all-round investment solution with a convenient investment amount. With the flexibility to choose between 1, 2, 3, 4, and 5 years, and the yield going up to 15.25% p.a.* for a five-year term, coupled with the ability to have multiple FMPP investment plans, it is also meant for wealth-building.

  1. Is FMPP an alternative investment avenue, a new-age investment avenue, or a primary investment avenue?

FMPP is a great alternative investment avenue for those who wish to diversify their investment portfolio as a means of longitudinal or latitudinal diversification. It is also great as a standalone investment avenue due to its well-balanced nature. Since it offers hassle-free and worry-free investing experience along with countering the shortcomings of traditional asset classes, it is also a new-age investment solution.

  1. How come FMPP offers a solution to every investment-related problem?

FMPP, being a P2P investment plan, works on an aggregator model. The investor invests directly in borrowers and uses the LenDenClub platform only as a means. This way, one avoids paying a huge chunk of earnings to otherwise traditional mediators like banks, post offices, etc. P2P lending is an RBI-regulated mechanism, and LenDenCLub is RBI-registered and escrow-compliant. P2P investment is intrinsically not prone to market volatility either. All in all, FMPP offers a solution to every investment-related problem.

Steps in starting an FMPP investment plan

FMPP, a great leap in the FinTech revolution, has been designed with convenience and simplicity as the core of everything. As a result, one can start an FMPP investment plan within three steps, namely (i) download the app and register, (ii) choose a term, and (iii) invest. 

Elaborating each step further: firstly, download the LenDenClub app from Google Playstore or Apple Appstore. Secondly, complete the eKYC step by filling in your details, viz name, contact details, PAN, etc, and completing the verification after agreeing to LenDenClub’s legal authorisation. And thirdly, invest by choosing a term and amount. 

One can track the growth of their investment portfolio in the dashboard either through the LenDenClub app or website.

*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

* On platform level.

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