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Broad Business Model

LenDenClub Peer to Peer lending platform connects a borrower looking for a loan with investors (lenders) on the platform who wants to give money to him/her.

The platform allows a borrower to take a loan starting from Rs. 1 to Rs. 10 Lakhs based on borrowers’ risk profiling. Any investor on the platform can invest up to 5% of the loan amount to give a loan to a borrower. The investor uses our auto investment algorithms to take an exposure of 5% per borrower or lesser. The capital matching algorithm enables the investor/lender to automatically invest his/her money into borrowers of the bucket/criteria chosen by him/her.

LenDenClub helps investors/lenders understand the borrower’s risk and the probability of default based on past borrower behavior. It also facilitates the agreement and other operational work through its digital platform. By providing the platform on which investors/lenders can find investible borrowers, their risk analysis, probability of default, collection support (on the best effort basis), agreement facilitation, and escrow transactions support, the platform charges fees from the investors/lenders varying between 0% to 5% unless specified otherwise in the borrower profile. The Platform will charge a fee only when the investors or lenders received EMIs/repayments from the borrowers. Further, in case of higher default any lender’s portfolio, the platform may provide a partial or complete waiver of fees at it’s  discretion. 

Like investors/lenders, the platform also provides services to borrowers. The borrowers can apply for a loan on the platform. The platform does credit and risk assessment of the borrower through various data points like digital transactions, bank statements, credit bureau data, digital footprints, etc. If the borrower is selected through the risk and eligibility criteria of the platform he/she will be connected with the investors/lenders on the platform. By providing services of onboarding, risk, and credit assessment, connecting with investors/lenders on the platform, agreement support, disbursement, and repayment facilitation, etc., the platform charges fees varying between 0% to 7% or any other amount conveyed at the time of onboarding itself.

All transactions on the platform are done from escrow bank accounts maintained with ICICI Bank Limited via ICICI Trusteeship Services Private Limited. The funds brought to the platform lie in the escrow account and are only meant to be invested into borrowers’ loans as specified or chosen by the lender. Platform cannot and does not use these funds for any activity other than this specified use nor earns any commission from the bank on idle money lying in the escrow account.

The platform earns fee-based income from either or both investors/lenders and borrowers.

Here are some stats we are proud of

FMPP® Quarterly Performance

In the last quarter, FMPP® investors have earned upto 12% p.a. since launch

You can make the best use of your funds by investing in FMPP®.


Avg Returns p.a. in September 2023

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


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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 lending simple interest. 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 lending 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’ lending amounts.

*This is an annualized yield and is subject to the maximum FMPP tenure, which is 5 years. P2P lending is subject to high risk and may cause an entire loss of principal.

*P2P lending is subject to risks. And lending 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 simple interest received by lenders

© 2024 LenDenClub by Innofin Solutions Private Limited | CIN: U74999MH2015PTC266499