P2P Lending: India’s Largest RBI-Regulated NBFC-P2P Platform
Diversify your capital to thousands of creditworthy borrowers with the largest peer to peer lending platform in India.
- ₹20K Cr+ disbursed
- 5 Cr+ registered users
- Avg 23% p.a. Earned
- ₹20K Cr+ disbursed
- 5 Cr+ registered users
- Avg 23% p.a. Earned
What is peer to peer lending in India?
Before you jump in, it is important to know what is peer to peer to 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, P2P 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.
Who lends on LenDenClub? LenDenClub is for individuals looking to earn interest income from lending money, separate from market-linked instruments.
Why lakhs of users trust LenDenClub
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
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
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.
23% p.a.
Earned on average as per historical data on closed loans
8/10
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 join the Largest P2P lending platform in India?
Why settle for less when you can earn better interest with us?
Ready to start diversifying your funds?
Diversify your portfolio with LenDenClub and earn attractive interest by lending money in loans.
For Android :
What our lenders ask?
Frequently Asked Questions (FAQs)
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.
As the name suggests, P2P lending (peer-to-peer lending) is a concept in which individuals or institutes can lend money to borrowers. The system removes the role of a financial institution as an intermediary. Instead, P2P lending platforms act as facilitators for the transaction of money.
Anyone can become a lender on P2P lending platforms and effectively lend to many individuals or businesses from their homes. This mode of lending and borrowing has increased its adoption as an alternate way of financing.
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.
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.
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.
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.
