The AUM (Assets Under Management) figure represents the total outstanding principal of all loans disbursed through the platform. It is calculated using the following formula:
AUM = Principal of Total Loans Disbursed – Principal of Total Loans Repaid.
This gives the current principal balance remaining from all disbursed loans and does not include closed loans which were not NPA.
Performance breakup of total loans lent
*Portfolio performance updated as on 31st January 2026
*DPD – Days past due
*NPA – Account is classified as NPA if the loan remains overdue for more than 90 days
Impact of NPA on Interest and / or Principal Loss
The lenders on the platform have used the interest they earned to issue additional loans. The below table illustrates how non-performing assets (NPAs) impact both the original principal lent and the interest earned, which is subsequently used for further lending by the lenders. The loss of interest doesn’t mean loss of returns. This table shows that NPA impact is being absorbed by gross interest from borrowers and return of lenders remain intact.
| DPD Wise Ageing | Loss of Principal (in Cr) | Loss of Interest (in Cr) |
|---|---|---|
| 91-180 | 0.00 | 24.06 |
| 181-360 | 0.00 | 46.03 |
| 361-540 | 0.00 | 38.06 |
| 541-720 | 0.00 | 53.91 |
| >720 | 23.1 | 466.30 |
| Total | 651.41 | |
Platform Performance: NPA Percentage of Disbursed Loans
Cumulative loan amount disbursed (Amount in Crores)
Number of cumulative Registered lenders – 2.4 million
Performance Report
P2P Lending is growing rapidly in India. Question is, how and who is contributing to this growth.
Here we present to you a summary of how the lenders of LenDenClub have been earning attractive interest by lending as low as ₹ 10,000 to as much as ₹ 50 Lacs.
Download the Fact Sheet to learn more about these stats and more.