Up to 16% returns
Enjoy high-yield passive income from day one. Let your money work smarter for you.
Turn your savings into monthly income.
Lend to prime borrowers and earn up to 16% p.a.
3%Borrower Acceptance Rate
Average Bureau Score
What does lending to pre-screened prime borrowers actually get you?
Prime borrowers
We check over 250 parameters in our strict underwriting policy so that you only get high-quality borrowers.
Diversified lending. Zero hidden costs.
Lend to multiple borrowers, capped at 5% each. Your risk stays spread, your returns stay clean — no hidden costs.
Your risk is managed. Here's how.
How 1 Finance P2P actively helps the clients
Built-in diversification
Reduces concentration risk
We cap your lending at 5% per borrower automatically. So even if one borrower misses a payment, 95% of your portfolio stays untouched.
Prime borrowers. Lower risk.
Reduces credit risk
Our borrowers are BQS (Borrower Quality Score) approved with 250+ points and carry more disposable income than expenses — so they have the financial bandwidth to repay you, every single month.
Short lending cycles.
Reduces liquidity risk
We keep loan tenures between 2 to 36 months. Your money never stays locked for long. Faster repayments mean you can re-lend sooner and keep your returns compounding.
Become a lender in 4 steps.
Living in India
18+
At least 18 years old
Indian bank account
Mandatory registration requirements *
Create account
Just some basic info about you.
How Borrower Quality Score (BQS)BQS (Borrower Quality Score) is represented on a scale of 0 to 10, where a higher score indicates stronger overall borrower quality and lower perceived risk. It is a proprietary, holistic assessment framework that goes beyond traditional credit scores. While a credit score primarily looks at past repayment history, BQS evaluates a borrower more comprehensively by factoring in income stability, financial behaviour, cash flow patterns, existing obligations, and repayment intent. By analysing over 250 data points, it provides lenders with a deeper, more forward-looking view of borrower quality, helping them make more informed decisions. For better understanding, BQS is broadly classified into the following categories:6.0 - 6.9Moderate7.0 - 7.9Stable8.0 - 8.9Preferred9.0 - 10Prime puts the right borrowers in front of you.
A credit score tells you where a borrower has been. BQS tells you where they are headed — across 5 pillars and 250+ data points, every single time.
Borrower quality score
Identity & compliance
Every borrower's identity is verified end-to-end before they ever reach your portfolio.
Credit history
We look beyond CIBIL: repayment patterns, active loans, and delinquency history all count.
Income & cashflow
We check if income is stable and consistent, not just what the borrower claims to earn.
Repayment capacity
We calculate the exact buffer left after all existing EMIs before approving a single borrower.
Stability & behaviour
We evaluate job tenure, industry risk, behaviour, and application patterns before a borrower reaches you.
Want to understand how we evaluate borrowers in detail?
Your returns can earn returns too — here's how
Most lenders earn their monthly EMI and let it sit. Smart lenders put it right back in.
When you re-lend your monthly repayments instead of withdrawing them your interest starts earning interest. That's compounding. And over 12, 24, or 36 months, the difference between re-lending and not re-lending can be significant.
Returns calculator
Lending amount
₹
Tenure
2 Months36 Months
Expected returns (XIRRYou lend or invest money, but not all on one day. Maybe you put money in today, add more after 2 months, and receive some money back later. In such cases, a simple return percentage does not tell the full story because time matters.
Extended IRR or XIRR calculates returns for irregular cash flows at specific dates. Ideal for investments with varying cashflow.)
Extended IRR or XIRR calculates returns for irregular cash flows at specific dates. Ideal for investments with varying cashflow.)
8%16%
Earnings
₹8,877
Earnings with re-lending
₹17,227
You lend ₹1,00,000 at 16% p.a (XIRR) for 12 Months.
Growth over time
Re-lending each EMI compounds your returns month on month.
Without Reinvestment
Amount Reinvestment
Easily track your returns
You can track your portfolio through the 1 Finance P2P Dashboard. All you need to do is log in and go to your profile to track.
Know where P2P stands among different passive income options
Most people pick a passive income option without comparing the rest. Don't be like most people. See exactly where P2P stacks up — returns, liquidity, all in one place.
Free
Registration
2%p. a.
Fees and chargesFees & charges are clearly disclosed by the platform for services including borrower evaluation, transaction management, and ongoing support.
All disclosed honestly.
Why let your savings sit idle,when they could be earning for you?
Got any more questions?
Here’s a list of a few common questions that might help. If you have any other questions, you can call, email or text us on Whatsapp.
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.
The amount you can lend on any P2P platform depends on its specific rules. For example, at 1 Finance P2P, the maximum you can lend to a single borrower is ₹50,000, with a limit of 5% of your total lending to any single borrower. It reduces lenders' risk by spreading their returns across multiple borrowers.
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.
According to RBI, a lender's total exposure to all borrowers across all P2P platforms may not exceed ₹50 lakh at any time. If your lending exceeds ₹10 lakh, you need to obtain a Net Worth certificate from a Chartered Accountant that verifies your net worth is at least ₹50 lakh.
No, you cannot withdraw your loan principal before the loan tenure ends on a P2P platform. However, you can choose how much money you want to lend to a borrower, as well as the repayment schedule they follow. The maximum amount you can lend to any one borrower is limited to 5% of that borrower's total loan amount. As they make repayments, you will receive monthly payments as a lender with 1 Finance P2P.
At 1 Finance P2P, 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 no 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.
All repayments you receive from borrowers on 1 Finance P2P will be made without any tax deduction. We will provide an annual income statement for you to download from your dashboard. Your earnings will be taxable according to the income tax rules that apply to you. It is your responsibility to pay the applicable tax on the income earned.
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.
email us
care@1financep2p.comGot any more questions?
Here’s a list of a few common questions that might help. If you have any other questions, you can call, email or text us on Whatsapp.
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.
The amount you can lend on any P2P platform depends on its specific rules. For example, at 1 Finance P2P, the maximum you can lend to a single borrower is ₹50,000, with a limit of 5% of your total lending to any single borrower. It reduces lenders' risk by spreading their returns across multiple borrowers.
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.
According to RBI, a lender's total exposure to all borrowers across all P2P platforms may not exceed ₹50 lakh at any time. If your lending exceeds ₹10 lakh, you need to obtain a Net Worth certificate from a Chartered Accountant that verifies your net worth is at least ₹50 lakh.
No, you cannot withdraw your loan principal before the loan tenure ends on a P2P platform. However, you can choose how much money you want to lend to a borrower, as well as the repayment schedule they follow. The maximum amount you can lend to any one borrower is limited to 5% of that borrower's total loan amount. As they make repayments, you will receive monthly payments as a lender with 1 Finance P2P.
At 1 Finance P2P, 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 no 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.
All repayments you receive from borrowers on 1 Finance P2P will be made without any tax deduction. We will provide an annual income statement for you to download from your dashboard. Your earnings will be taxable according to the income tax rules that apply to you. It is your responsibility to pay the applicable tax on the income earned.
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.
email us
care@1financep2p.comFor quick response to all your queries, reach out to us on WhatsApp.