P2P Investment- Peer to Peer Lending India - PowerPoint PPT Presentation

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P2P Investment- Peer to Peer Lending India


For P2P investment you can go for LenDenClub , India's fastest growing RBI approved NBFC-P2P. LenDenClub has been giving consistent returns since it got the nod from RBI. Investing money with peer to peer lending platform is completely online and the process is pretty transparent. P2P investments generate a monthly income (in the form of principal and interest paid together) which can be reinvested to earn compound interest. – PowerPoint PPT presentation

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Title: P2P Investment- Peer to Peer Lending India

Tips to build better investment portfolio with
Peer to Peer Lending in India
Peer to peer lending in India is relatively an
online investment trend which is at its nascent
stage. By adding Peer to Peer lending to your
investment portfolio, you can easily diversify
more, automate your investments and stay invested
for a longer term. If you follow few practices
while investing on P2P lending platforms you can
easily get higher returns with minimum risks.
Here are some useful tips to build a better
portfolio from P2P lending
  • 1. Diversify
  • The mantra of dont put all eggs in one basket
    applies to lending money online as well.
  • The Investment Amount-
  • Do not offer loan to a single borrower, divide it
    among number of borrowers. No of borrowers depend
    upon the amount you wish to invest. Eg. if you
    wish to invest Rs.1,00,000 try to lend among
    25-40 different borrowers.
  • Across risk categories
  • Each borrower has a credit rating based on his
    past credit details. Some peer to peer lending
    platforms in India have their own credit rating
    score too like LenDenClub. While, most lenders
    would prefer low risk borrowers, it wouldnt be a
    riskier proposition to lend money to one or two
    borrowers with medium or high risk rating. So,
    depending on your risk-return expectation, you
    can diversify across risk categories.

2. Automate Your Investment If you are an
individual or an institutional investor with
large investment amount to disburse, then you can
use automated investment. With LenDenClub,
instead of manually looking over each loan or
borrower profile, you can save time by applying
automated filters according to Risk categories,
tenure, purpose, CIBIL score etc.. It also makes
easier to manage the account with so many
3. Stay Invested Most personal loan lenders make
the mistake of withdrawing the interest return or
principal repayment EMIs at regular intervals,
even monthly or quarterly in some cases. However,
it is advisable to stay invested for a longer
period and re-invest from the monthly cash flow
which will earn you compounding interest. By
doing some p2p lending segment research and
proper analysis of borrowers profile, you can
build a better investment portfolio on Peer to
Peer Lending platforms. You can start investing
in P2P lending now with LenDenClub.
Thank You
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