Want market-like returns without the risks?
Start earning regular passive income today.
How you benefit as a P2P lender?
Lend to a wide range of borrowers and earn money from their monthly payments. You can get higher interest rates than banks offer, by skipping the intermediary.
Up to 16% Returns
Enjoy high-yield passive income from day one. Let your money work smarter for you.
Prime borrowers guaranteed
We check over 250 parameters in our strict underwriting policy so that you only get high-quality borrowers.
Not all eggs in one basket
Lend to various borrowers, with a limit of 5% of the total loan allocated to any one borrower. It helps you spread out your risk.
Easy diversification
Grow your wealth safely. Effortlessly diversify your debt portfolio to build a reliable passive income stream.
Up to 16% Returns
Enjoy high-yield passive income from day one. Let your money work smarter for you.
Prime borrowers guaranteed
We check over 250 parameters in our strict underwriting policy so that you only get high-quality borrowers.
Not all eggs in one basket
Lend to various borrowers, with a limit of 5% of the total loan allocated to any one borrower. It helps you spread out your risk.
Easy diversification
Grow your wealth safely. Effortlessly diversify your debt portfolio to build a reliable passive income stream.
Before you start P2P lending, Know your borrowers
We understand that your money is hard-earned, so we want to be transparent about where it goes. You should know who you are lending to.
Full transparency
We ensure you know exactly who you are lending your hard-earned money to.
Thorough vetting
Each borrower is rigorously evaluated through 250+ data points.
Strict lending limits
Lend between 1% and 5% of a loan amount to a single borrower to diversify your risk.
Who can lend on 1 Finance P2P?
- Must be an Indian citizen.
- Must be at least 18 years old.
- Must have a valid bank account.
- Eligible individuals seeking passive income with potentially attractive returns can choose to lend through 1 Finance P2P.
How much can you lend?
- At 1 Finance P2P, you can choose your own borrowers from the pre-screened list available on your dashboard. You can select borrowers based on their loan amounts, credit profiles, 1 Finance scores and ratings and make your own portfolio.
- As mentioned, we have capped the loan amount to a 5% per borrower. The maximum amount that you can lend to an individual borrower is Rs 50,000.
Risk Diversification
1% to 5% lending limit per borrower
How much return can you expect?
By now, you know that you can lend money to a set of borrowers and earn regular interest on it. Let me show you with an example how P2P lending works.
Let us say, a lender has lent Rs 1.5 lakh to four different borrowers for a period of one year at various interest rates. He lends Rs 50,000 to A at 12% interest per annum, Rs 30,000 to B at 15% interest per annum, Rs 40,000 to C at 13% interest per annum, and Rs 30,000 to D at 11% interest per annum.
| Borrower | Money lent | Interest Rate | Interest Earned |
|---|---|---|---|
| A | ₹50,000 | 12% | ₹3,309 |
| B | ₹30,000 | 15% | ₹2,493 |
| C | ₹40,000 | 13% | ₹2,872 |
| D | ₹30,000 | 11% | ₹1,817 |
| Total | ₹1,50,000 | 14.3% XIRR | ₹10,491 |
The lender earns Rs 10,491 by lending Rs 1,50,000, which corresponds to an approximate XIRR of 14.3%. If the lender opts to lend Rs 30,000 at an interest rate of 15%, he will earn an interest of Rs 2493. Thus, the interest earned will depend on the amount of money lent and the interest rate applied.
As a lender of 1 Finance P2P, the amount you want to lend and the interest rate you choose are at your discretion.
How to lend money through 1 Finance P2P
Just fill in some simple details to set up your account.
01
Create an account
Lending has never been easier. Just enter your name and number to set up your account.
02
Verify your details
Complete your KYC verification in just a few clicks, and your account will be ready for lending.
03
Get, set, start investing
You can lend to multiple borrowers at once, with a minimum of 1% and a maximum of 5% of any loan.
04
Choose the best loans
Find the best loans and borrowers available for you. Easily Build your own portfolio.
05
Track your growth
Review all transactions and the status of the loans from your own dashboard. All you need to do is log in to your 1 Finance P2P account to view it.
06
Passive income every month
You will receive monthly repayments directly from borrowers into your bank account. You can then reinvest the EMI amount.
How to track my returns on my P2P lending portfolio?
You can track your portfolio through the 1 Finance P2P website application. All you need to do is log in and go to your profile to track.
Charges for P2P lending
1 Finance P2P will charge a facilitation fee based on the amount you are lending.
There is no registration or transaction fee for lending money through 1 Finance P2P
Other fees may apply as per the agreements.
How can you evaluate a borrower before lending?
Borrower evaluation may include reviewing credit score, 1 Finance P2P Score, borrower rating, income information, and employment type. This information is provided to help lenders make informed decisions.
How 1 Finance P2P reduces credit risk
Rigorous vetting
We have a strict process to screen all borrowers, which helps lower the risk of defaults on our platform.
Lending limits, diversification
You can lend a maximum of 5% of a single borrower’s loan request. This limit encourages you to spread your investments across multiple borrowers, minimising the impact of any one default.
Liquidity risk
P2P loans are typically medium-term commitments (e.g., 12, 24). Once you lend money, that capital is locked up until the borrower repays the loan according to the schedule.
How 1 Finance P2P reduces liquidity risk
At 1 Finance P2P, you can lend money for a duration of 3 to 24 months. The lending period is clearly shown before you start. It allows you to select how long you want to lend your money.
Frequently Asked Questions
Any Indian resident who is at least 18 years old and holds an Indian bank account can become a lender on 1 Finance P2P.
1 Finance P2P helps diversify your debt portfolio with a low-risk, high-return asset. You can earn up to 16% annually—higher than traditional bank deposits. Our strict borrower selection process reduces default risks significantly.
Yes. P2P lending is legal in India. The platform you use to lend money must be registered with the Reserve Bank of India (RBI) as an NBFC-P2P. Remember that P2P platforms must share clear details about the borrowers and their loan performance with their lenders.
At 1 Finance, the maximum you can lend to a single borrower is 5% of a loan up to ₹50,000. As per RBI guidelines, a lender can lend up to ₹50 lakh in total across all P2P platforms.Additionally, if a lender’s total P2P lending exceeds ₹10 lakh, they are required to submit a Chartered Accountant–certified net worth.
No. To ensure secure, fast, and smooth transactions, 1 Finance P2P uses a lender's escrow account managed by RBI-regulated trustee for all fund transfers.
At 1 Finance, we carefully screen borrowers by reviewing their financial details, history, and over 250 parameters. It is crucial to remember that P2P lending is not the same as a bank deposit—it is not insured, and there is always a risk that a borrower might not repay the loan. This means that your potential returns are not guaranteed. We do our best to recover the money you lend in the event of a default.
Before you lend through 1 Finance P2P, please read our terms and conditions carefully to understand all the risks involved.
At 1 Finance P2P, lending includes built-in diversification. You can lend at least 1% and up to 5% of what a borrower needs, but not more than that. This way, your money is spread across multiple borrowers rather than concentrated in a single borrower. If one person defaults, it won't affect all of your funds. This strategy helps reduce the risk of your lending portfolio.
No, the earnings from P2P lending are not guaranteed. There is always a risk that a borrower might not repay their loan. At 1 Finance P2P, we mitigate this risk by conducting thorough checks on all potential borrowers, using more than 250 different parameters. Lending only to reliable borrowers is the best way to reduce the chances of defaults.
The biggest risk of P2P lending is that a borrower may not repay the loan. At 1 Finance P2P, we reduce this risk by using a strict underwriting process carried out by an experienced team. Our team assesses over 250 factors when selecting borrowers. A loan is only disbursed once the borrower signs a legally binding loan agreement. Additionally, there is a limit on the maximum amount you can lend to a single borrower. These measures help decrease the chances of dealing with a defaulting borrower.
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Pick what you’re here for, we’ll guide you through the rest.