Latest Articles

What is P2P Lending?

31 Mar 2020

Peer-to-peer (P2P) lending is a recent phenomenon in India and just about 13 years old globally. P2P lending enables individuals to directly obtain loans from other individuals through an organized P2P lending platform.

Is Peer-to-Peer Lending Allowed by RBI?

30 Mar 2020

Peer-to-peer lending is a normal economic activity and the RBI does not allow or disallow such activities. RBI does regulate P2P lending by prescribing some basic rules and prudential norms for P2P platforms.

Why P2P Lending Makes Sense for lenders?

29 Mar 2020

P2P lending is fast catching on in India as an alternative investment avenue. At a time when equity is volatile, bond yields are falling and realty is no longer the sure-shot bet.

Now Borrowing Money for 3 months is just so simple with P2P

28 Mar 2020

If you are up against a small funding shortfall for a couple of months, what do you do? Obviously, personal loans from banks are too cumbersome and have to be at least a commitment of 2-3 years.

Top 5 Tips to get your Personal Loan Approved faster

27 Mar 2020

A personal loan is an unsecured loan and so the lender does not have any collateral to fall back upon. Hence, the sanctioning of any personal loan; be it from a bank or from a P2P lending platform will be based on your credit score and track record.

Crowd Funding in India - How's P2P Lending Helping Increase Small Business Investments

26 Mar 2020

In India crowd funding is often used interchangeably with P2P lending. While conceptually they appear to be the same, there is an important difference between them. P2P lending creates a debtor/creditor relationship between two parties.

P2P Lending and Stock Market Investments

25 Mar 2020

One thing is quite clear that lenders need to look at P2P lending as an investment product. P2P lending can generate returns of 20-25% on an average although the risk is certainly higher.

How lending is the new way of investing?

24 Mar 2020

An investment is all about smart allocation of your capital in search of higher returns. A new and lucrative investment option that has emerged in the last couple of years is P2P (peer to peer) lending.

Is there any investment option which gives higher returns than equity?

23 Mar 2020

Most of us have grown to believe that equity is the best form of long term wealth creator. In a way that is true, because a disciplined approach to investing has stood the test of time.

How lending is the best option for fixed monthly income?

22 Mar 2020

While P2P lending is still a rapidly growing segment of the financial markets, one aspect that we tend to ignore is the fixed monthly income aspect. The interest on the investment is paid on a monthly basis and the principal is paid back on the completion of the loan term.

Diversify your investment portfolio with lending

21 Mar 2020

What is the first thing that comes to your mind when you talk of diversification? You normally think of spreading your money across different stocks. Alternatively, you will look to add debt and reduce equity for an asset level diversification.

Say no to loans, yes to lend!

20 Mar 2020

Debt makes Indians quite cautious. Most people fear that if you borrow it increases your liability and you may not be in a position to repay the loan. But, how about being on the other side? How about being a lender rather than a borrower.

How safe digital lending is in India?

19 Mar 2020

Peer-to-peer (P2P) lending is a fairly recent phenomenon in India and interest levels have picked up in the last couple of years. RBI has already come out with detailed regulations covering P2P lenders and borrowers.

How to choose a platform to lend?

18 Mar 2020

Peer to peer lending (P2P lending) broadly involves 3 parties; the lender, the borrower and the P2P lending platform. Lenders and borrowers are literally spoilt for choice with a number of P2P lending platforms active in India.

Why financial institutes don’t lend to those who do not have credit history?

17 Mar 2020

CIBIL score indicates the capacity to pay and your past track record of loan repayments. Normally, CIBIL scores are pegged to a maximum score benchmark of 900. It is practically impossible to achieve 900 but, a score of above 700 is mandatory to be eligible for loans.

Have working Capital requirement? Get loan in 5 minutes

16 Mar 2020

If you have turned entrepreneur and are trying to get a foothold in the business, one of the biggest challenges you will face is the availability of timely finance. New businesses do not have the asset backing or the credit history to get working capital loans for the business.

10 reasons why you should lend

15 Mar 2020

if you are looking at a unique investment opportunity for higher yields, then you can lend on peer-to-peer lending platforms. These lending platforms bring borrowers and lenders together and you can use the platform to give a personal loan directly to a borrower.

5 ways to identify whom to lend

14 Mar 2020

If you have identified peer to peer lending as a preferred choice of allocating money, there is some basic homework required. You are giving an unsecured personal loan. Moreover, you are giving the personal loan on an impersonal and agnostic platform.

5paisa Loans Blog

Get Lending & Borrowing Market Insights