Your Money. Your Control.
Better Earning

Our RBI-regulated P2P platform lets you lend as little as ₹250 or as much as ₹50 lakh, with flexible lending options designed to fit your goals

Your Money. Your Control.
Better Earning

Our RBI-regulated P2P platform lets you lend as little as ₹250 or as much as ₹50 lakh, with flexible lending options designed to fit your goals

Benefits of P2P Lending

Why you should do P2P lending?

Our P2P lending platform connects people looking to grow their money by earning interest by lending money to borrowers.

Higher Earnings ​

Grow your money faster—up to 24% XIRR*.
Skip the old-school options. With P2P lending, you earn more by lending directly to real people through a secure, RBI-regulated platform
 

Diversification

Diversify beyond traditional assets.
Add P2P lending to your portfolio for a steady income stream that’s not tied to the ups and downs of market, gold, or real estate.

Full Transparency

Full transparency at every step.
View borrower profiles, risk ratings, and repayment schedules before you lend—no hidden data, no guesswork

Tailored Lending

Amounts That Fit Your Goals.
Start lending with as little as ₹250 or scale up to ₹50 lakh—it’s completely up to you.

How it Works?

What is P2P lending ? All you need to know

CHOOSE PRODUCT


Daily Repayment

Start Lending


Monthly Repayment

Start Lending

CHOOSE PRODUCT


Daily Repayment

Start Lending


Monthly Repayment

Start Lending

We’ve Helped Crores of Indians

We have helped our users browse from thousands of verified LIVE options and handpick the ones that align with their timeline and earning goals.

2 Cr+

Registered Users

16 Cr+

Lent successfully so far

4.5

Rated on Play Store

Start Today

Ready to take your
lending to next level?

Skip the old-school options and start earning more by lending directly to real people through our secure, RBI-regulated platform

Start Lending
Start Today

Ready to take your
lending to next level?

Skip the old-school options and start earning more by lending directly to real people through our secure, RBI-regulated platform

Start Lending
Still Have Doubts?

Get your questions answered

We hope the FAQs below will answer all your questions and give you the confidence to start lending.

Is P2P lending safe?

Yes. All borrowers are carefully verified using credit scores, income documents, and risk assessments.

How much can I earn through P2P lending?

Lenders typically earn between 12% to 24% annual returns, depending on risk preference and diversification.

What is the minimum amount I can start with?

You can start lending with as little as ₹250 & upto 50L, making it accessible even for 1st time lender to most experiensed.

Can I choose who I lend to?

Yes. You have full control to choose borrowers based on their profile, risk level, and loan purpose.

How do I receive returns?

You receive daily or monthly repayments (principal + interest) directly into your account. depending on what loan type you have chosen

Is LenDenClub regulated?

Yes, P2P lending platforms in India are regulated by the Reserve Bank of India (RBI), ensuring accountability and transparency.

What is XIRR?

XIRR (Extended Internal Rate of Return) is a financial metric used to calculate the actual annual return on investments when there are multiple cash flows at irregular intervals

What is LenDenClub score?

LenDenClub Score is calculated from a detailed analysis of demographics, income trends, bureau score and borrower repayment history.

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

*Calculated as per the last 6 months’ average returns by lenders who lent for 12 months tenure

LenDenClub, operated by Innofin Solutions Pvt Ltd (ISPL) is registered as a peer-to-peer lending non-banking financial company (“NBFC-P2P”) with the Reserve Bank of India (“RBI”). 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.