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Portfolio Performance

Quarter-wise Platform Performance

The graph highlights quarterly data for the last 2 years 8 quarters, from FY21-Q4 to FY23-Q3, comparing the weighted average rate of interest over the default rate.

The net returns on a portfolio is directly proportionate to the average loan tenure of Portfolio.

Illustrative example: If the weighted annual rate of Interest is 23%, the average loan tenure is 6 months and the NPA rate for every cycle is around 4%, then the returns work to 12% p.a., as follows.

Loan cycles (Avg. Loan Tenure of 6 months): 2

ROI: 23% p.a.

Platform Facilitation Fees: 3% p.a.

NPA for 2 loan cycles: 8% (4% each)

Hence Net return: (23 – 8 – 3) = 12% p.a.

Loan Recovery Performance as on 31st December 2022

The chart shows different collection bucket efficiency.

The regular Bucket efficiency is 93.41% and diminishing % of pool going to delinquency buckets ensures a good Portfolio Performance and recovery.

LenDenClub has a strong automated credit check model with 200+ data points to list only credible borrowers on the platform.

Cumulative loan amount disbursed

We strategically improved our disbursals in the last four quarters (Amount in Crore)

Number of cumulative Registered Investors – 2.1 million

We don’t just say, we achieve results!

FMPP® Quarterly Performance

In the last quarter, FMPP® investors earned an average of 11.95% p.a. You can make the best use of your funds by investing in FMPP®.

11.95

Avg Returns p.a. in December 2022

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.

Investment

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