HomeBlogUncategorizedThinking High Returns? Think Peer-to-peer lending

Thinking High Returns? Think Peer-to-peer lending

Peer-to-peer lending is a system that links those in need of credit with those prepared to lend. The P2P lending platforms serve as a marketplace or a medium to connect borrowers and money lenders.

Peer-to-peer lending is a non-market linked alternative investment asset class that opens a new source of generating passive income for the investors. Investing in P2P lending products is a fairly simple process.

With the LenDenClub website or app, all you need to do is complete a signup process for account creation using your PAN and personal details.

After submitting the necessary information and completion of due diligence from LenDenClub, you kick-start your investment journey as a money lender with LenDenClub. If you’re a newbie investor, the best part of P2P lending investments is that you can easily start small and test the waters. Once you gain some trust that’s when you start aiming big and increase your exposure to this asset class!

How does P2P lending work?

P2P lending is made possible by several online marketplaces and platforms. While the method of placing your money may differ in each platform, the goal for you is to diversify your P2P investments across a large pool of borrowers. With LenDenClub, once you fund your account with the amount to be invested and select the time-frame for you to stay invested, your investment journey begins. This is when the AI-based algorithm takes over and ensures that there’s little human intervention while safely placing your money across various borrowers to ensure that your interests remain protected. The entire process is smooth and automated and you don’t have to worry about manually choosing multiple borrowers every time you want to invest. Such smart processes ensure that there’s no scope for human-error and the risks of money lenders are diversified to a greater extent..

How do P2P lending platforms Enable Superior Returns?

With a plethora of investment opportunities available today, you may find lucrative opportunities that may or may not hold true in real-life cases. So of course it’s natural of you to think that why P2P lending is any different. Or how do P2P lending platforms generate higher returns? Well, the simple answer to this question is the ever-increasing need of borrowed funds.

As per CRISIL reports, the bank credit growth rate is to hit a 4-year high of 10-12%* this fiscal year.

This shows that the credit demand is only to increase in the upcoming years and it’s a now-or-never kind of situation for the money lenders to capitalize on such an opportunity.

How LenDenClub Helps its Investor Community Generate Better Than Returns?

Since its inception, LenDenClub has become a thriving marketplace for lenders as a preferred place for placing their investments. Till date, the company has disbursed ly 2500 crores worth of loans and is further expecting to grow at a rapid pace. The company aims to create a self-sustaining trustworthy ecosystem where investors and borrowers can perform mutually beneficial transactions and benefit from such activity. This is how LenDenClub strives to achieve such goals:

200 Point Data Check for Creditworthiness 

Investments by money lenders are disbursed to only loan requests that pass the platform’s evaluation for creditworthiness. This evaluation is carried out by considering over 200 data points by the LenDenClub’s artificial intelligence system. With such comprehensive checks in place and a state-of-the-art ecosystem, investors are bound to operate in a well-regulated environment.

Stay Invested Till Maturity

With LenDenClub’s “Stay Invested Till Maturity” concept, your money remains invested for the duration you choose. All you need to do is select a time-frame from 1-5 years for your investments. Once you make your investments, all you need to do is sit back and relax while we help you reap the benefits of compounding. The longer you stay invested, the better which helps you generate sound returns at the end of maturity. Such a concept keeps you from the hassles of having to reinvest again and again as your accumulated interest amounts are automatically reinvested within the platform. At the end of maturity, you receive your funds along with the interest amount that you have earned for the duration.. 

Risk Mitigation through Hyper Diversification

The platform’s artificial intelligence system has the ability to divide your investment into blocks, sometimes as low as ₹1 per borrower, as part of its hyper diversification concept. Such small distribution buckets can make sure that defaults from borrowers don’t impact your targeted returns. Imagine investing one lakh with a platform that has a community of 3.5 million borrowers. While it may sound pretty intense, such risk mitigation techniques are built to safeguard your investments from any shocks.

Industry Experts Working behind the Scenes

LenDenClub’s formidable leadership includes a team of professionals and experts who have years of experience in the lending industry. Their comprehensive experience in the finance ecosystem brings many new opportunities to the table that can be mutually beneficial for both, the borrowers and the lenders. 


Money lenders today have the opportunity to be a part of a larger community that makes smart money. All of this is possible through simple online, contactless methods guaranteeing seamless income creation. As a result, P2P lending is becoming an attractive investment opportunity, as it allows people to invest through a hassle-free process. They need not think about the market risk that is associated with many other investment options, primarily stocks.

P2P platforms like LenDenClub can provide discerning investors with a great investment alternative. Money lenders can choose investment time-frames to match their goals while maintaining a fine balance between returns and liquidity. With LenDenClub your money can generate you up to 10 – 12%* returns per annum. So, why wait, create your account today and witness a seamless investment experience.

On top of that, online marketplaces like LenDenClub further simplify the process for investors. Let us see how –

  • A family of more than 2 million people
  • AI-powered Auto investment
  • Allows diversification and reduces risk
  • Screens borrower’s profile through 200+ data points to reduce the risk of default.
  • Provides returns up to 10-12% p.a*.
  • Market-risk free returns

Hop on the bandwagon with 2 million+ investors. Register now!

LenDenClub is India’s largest alternate investment platform which started operations in India in 2015. We have been helping investors diversify their investments beyond traditional investment instruments ever since.



The Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Innofin Solutions Private Limited, and does not provide any assurance for repayment of the loans lent through its platform.

LenDenClub is an Intermediary under the provisions of the Information Technology Act, 2000 and virtually connects lenders and borrowers through its electronic platform via the website and/or mobile app.

The lending transaction is purely between lenders and borrowers at their own discretion, and LenDenClub does not assure loan fulfilment and/or investment returns. Also, the information provided on the platform is verified or checked on the best efforts basis without guaranteeing any accuracy of the data/information verification. Any investment decision taken by a lender on the basis of this information is at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower, fully or partially. The risk is entirely on the lender. LenDenClub will not be responsible for the full or partial loss of the principal and/or interest of lenders’ investment amounts.


*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

** Average value mentioned is the weighted average of returns received by investors

© 2023 LenDenClub by Innofin Solutions Private Limited | CIN: U74999MH2015PTC266499