Expect net return up to 12% per annum.

Approx 12%

Net Return P.A

2 Million+



Default Rate


Registered Investors

How Peer to Peer Lending Works

The simplest way to understand how P2P Lending works.

Get all your queries answered!

Explore our FAQ section and get all your queries related to investing money online in P2P lending answered.

Why Peer to Peer Lending and Why Us

P2P Loans are new investment asset class for your portfolio.

Solid Returns

Sustained high returns on investment make P2P lending a sought-after investment option for fixed income investors. Across the world, it is used as a diversification tool by HNI’s and institutions. Learn more about it from our team.

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Monthly Cashflow

P2P lending is the only high return instrument to fetch monthly cash flows with interest payments. Unlike other/ traditional investing instruments, cash flow is not tied to maturity and starts immediately after the investment.

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No Volatility

Traditional instruments such as equity, forex, commodity etc. have high volatility inherent to them, resulting in notional or actual losses. P2P lending is unique in that way, which offers zero volatility with expected returns.

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Ultimate Success Mantra in P2P : Maximum Diversification of Investment

Diversification of lending amount among many borrowers is default risk mitigation.

Optimal diversification can vastly improve the performance of your P2P investments. As a widely accepted practice, investors diversify their investment portfolio across various instruments to ensure that the collective performance of the portfolio sufficiently eclipses the losses of individual instruments. Similar principle is applied to P2P lending as well. For instance the performance of an investment amount of Rs. 50 lakhs divided into 100 borrowers (Rs. 50,000 each) could be majorly affected by even one default. Whereas, if a similar amount is divided between 2500 borrowers (Rs.2,000 each), a couple of defaults won’t affect the collective returns of your portfolio in a big way. Optimal diversification ensures high returns.

Mitigate risk while investing in P2P lending

Lending Process

The process to invest money online in P2P lending is very simple and easy.


Register as Lender

Register as a lender by providing basic KYC information and a one-time registrations fee of Rs. 500. That’s all it takes to get started.


Offer Loan

Before you invest money online in P2P lending, you can view verified borrowers. Select the ones you want to offer loan to and offer the amount you want to invest.


Receive Repayments

Receive monthly returns from the borrower and start growing your wealth. You also have the option to reinvest your earnings.

The Strongest Credit System

The borrowers on our P2P lending platform come from a large demographic pool, primarily consisting of salaried individuals. Every borrower goes through a 5 step LenDen screening mechanism where borrower’s personal, professional and financial information is scrutinised by our digital verification mechanism and physical verification checks. On successful verification and confirmation of the borrower credentials, the profile is processed by our proprietary S-Algo (Screening Algorithm). The borrower is listed on the platform once the comprehensive sets of S-Algo criteria are met. We also visit each of the borrower’s house before his loan amount is transferred to his account. This ensures lesser borrower defaults and easy tracing of borrowers if at all he/she defaults.


Personal Verification

We verify all personal details of the borrower including reference verification, residence verification.


Professional Verification

Our credit team also verifies the professional details of the borrower, including office reference check.


Physical Verification

Our field executives verify the professional and personal address of that borrower by doing surprise visits.


Financial Detail Verification

Borrowers financial details are verified by doing a thorough check of salary proof and bank statement analysis.


Credit History Verification

To ensure that no defaulter borrower pass through our credit check, we check for credit history of each borrower using CIBIL Credit Bureau data.

Escrow Payment Mechanism

Utmost transparency using trusteeship mechanism to transfer money

LenDenClub processes loan disbursement and EMI repayments through a third party SEBI registered escrow agent, ICICI Trusteeship Services Limited . The escrow agent communicates with our platform and bank escrow bank account. On receipt of a transaction, they get it executed with our escrow bank ICICI Ltd. LenDenClub has no access whatsoever to the funds. The Escrow account functions as a detached unit from the platform to ensure complete security of lender and borrower’s money. The complete end to end process is intuitively managed by the platform without human intervention. An annual and monthly audit of the Escrow account is conducted by the escrow agent in adherence to the prescribed mandate.

Escrow mechanism process for investing in P2P platform LenDenClub

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