Lend personal loans online to verified and creditworthy borrowers, and earn high returns.
Earn better returns than most traditional investment options
Create passive monthly income with regular repayments from borrowers
Lending on 5paisa loans offers an alternate investment to help you diversify your portfolio
5paisa Loans provides India’s only Lender focused platform that ensures lending serves as an
easy, transparent and a high return investment
5paisa loans, is a RBI registered NBFC-P2P lending company.
Quick, easy and transparent process that offers complete control of your lending journey.
5paisa loans is a subsidiary of 5paisa Capital Ltd and therefore has an access to a rich eco-system of credit worthy borrowers.
Our loan tenure ranges from 6 months to 36 months and you get direct monthly repayments.
Facilitating convenient lending opportunities to everyone
Grow your money with India’s highly trusted peer to peer lending platform. Start lending personal loans in 5 minutes with a paperless process
Lending money for online is simple and easy with 5paisa Loans
To begin lending, you need to first create an ‘Investor Account’ by filling in a simple online form, along with uploading the required documents. The registration is completely free of cost.
Transferring money to escrow account is easy and safe, it enables faster and secure transaction. You can start lending as low as Rs 500 with a maximum exposure of Rs 50,000 per borrower. Your aggregate exposure to all borrowers across all P2Ps, is subject to a cap of Rs 10,00,000.
Browse through the active list of borrowers, review the detailed profile and select the borrower of your choice to start lending. Approved loan amount, interest rate and tenure are mentioned along with a detailed profile of each borrower. All borrowers are listed after a stringent credit underwriting process.
Once the loan agreement is accepted by the borrower, the loan application is processed within 24 hours. Once approved, the loan amount is deposited in the borrower’s bank account on the same day
The EMI for repayments are directly credited to your bank account as per the schedule mentioned in the loan agreement. You can choose to re-invest them by adding it back to your escrow account
Once the principal and interest repayment is complete, the loan is closed and the transaction is completed for that borrower
Higher returns. Transparent and low fee structure.
Earn better returns than most traditional investment options.
Independently decide how much return you want to. You can lend to borrowers starting at 12% to 36% as per your risk appetite and borrower’s creditworthiness. Your returns will be equal to the interest rate of the borrower.
You can earn returns starting from 12% to 36% per annum
Interest rate agreements are completely between lenders and borrowers across the platform.
Diversify your investment and earn weighted average of the individual loan parts
Make every rupee count with our cost-effective online personal loan lending solution
5paisa levies no charge for registering as an investor. Instead, all benefits derived from this low-cost effective model in the form of attractive returns and low transaction fees, are passed on to the investors. The only fee applicable is processing fee charged at 1.5% of the disbursed amount.
Build your portfolio by selecting borrowers that meet your criteria
You will be lending to individuals, both salaried and self-employed. Borrowers are listed on 5paisa only after a rigorous assessment with advanced technology.
Borrower’s creditworthiness is evaluated on following parameters and he/she is accordingly categorized in the respective risk category.
5paisa Loans is India's preferred lending platform that ensures premier service, transparent processes and healthy ROI for its lenders. It’s a platform that connects lenders, looking for higher returns and portfolio diversification, with verified creditworthy borrowers. 5paisa Loans provides customized loan products and alternate investment option where the borrower gets a loan at a very competitive interest rate and lender earns above average market return on the investment.
5paisa P2P is RBI certified NBFC-P2P which offers complete online and paperless process.
Start Lending in 4 simple steps