LenDenClub — P2P Lending Trends Report 2025
LenDenClub Annual Report · India's Largest P2P Lending Platform
P2P Lending Trends
Report 2025
An in-depth analysis of lending activity, investor behavior, and evolving market dynamics on LenDenClub — India’s largest P2P lending platform for the calendar year 2025.
01 · Platform Growth
📈
341%
Annual Investment Growth
YOY
👥
437%
Annual Active Investor Growth
YOY
🌱
245%
New Investor Growth
YOY
02 · Investor Behaviour
₹2 Lakh
Average Investment Value Per User
68.13%
Investors Funded More Than One Loan
200+
Borrowers Funded On Average
77%
Value Contribution From Investors Who Invested More Than ₹10 Lakh
03 · Historical Earnings
Annualized Return
% Of Investors
Above 20% p.a.
82.27%
15–20% p.a.
8.02%
0–10% p.a.
4.32%
10–15% p.a.
3.25%
Loss
2.14%
Includes all loans closed on or before 31st December 2025. Historical returns are not indicative of future performance. P2P lending is subject to risk.
Investor Returns Snapshot
90%+
investors earned
more than 15%
annualized returns
LenDenClub investors have consistently outperformed traditional fixed-income instruments, with the vast majority achieving double-digit annualised returns.
04 · Demographic Analysis
Gender & Age Insights
♂
Male Investors
₹60K
Avg. Amount Invested
♀
Female Investors
₹2.5L
Avg. Amount Invested
Female investors commit 4× higher ticket size than their male counterparts.
Investor Count by Age % share
23.6%
<25
45.4%
26–35
19.0%
36–45
6.5%
46–55
5.6%
56+
<25 26–35 36–45 46–55 56+
Amount Invested by Age % share
7.4%
<25
17.7%
26–35
21.0%
36–45
19.0%
46–55
34.9%
56+
<25 26–35 36–45 46–55 56+
While younger investors are growing faster, the 36–45 and 56+ segments still contribute over 50% of total invested amount — signalling that high-value wealth allocation is driven by mature, experienced investors.
05 · Cities & Geography
Top Cities by Lending Contribution
Mumbai
22.58%
Bangalore
10.95%
Pune
7.97%
Hyderabad
7.40%
Delhi
7.06%
Jaipur
6.52%
Other Cities
37.52%
Geographic Split
Top Metro Cities
62.48%
Tier II & III Cities
37.52%
62.48%
Top Metro Cities
37.52%
Tier II & III Cities
06 · Payment Methods & Preferred Tenure
Payment Methods
91.89%
Most Investors Preferred UPI Payments
3.21%
IMPS
3.01%
Net Banking
1.89%
Debit Card
Preferred Tenure
2–6
Months
Most popular tenure range
among active lenders
LenDenClub, owned and 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 RBI does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by LenDenClub, and does not provide any assurance for repayment of the loans lent through its platform. P2P lending is subject to risks. Any lending decisions taken by a lender on the basis of this information is at the discretion of the lender, and LenDenClub cannot guarantee that the loan amount will be recovered from the borrower.