Portfolio Performance

Quarterly Platform Performance

  • The graph highlights quarterly data from FY20-Q3 to FY22-Q2, comparing the weighted average rate of interest over the default rate.
  • The estimated returns to an investor are also dependent on the average loan tenure. For example, if the weighted annual rate of Interest is 22%, the average loan tenure is 6 months and the NPA rate is around 4%, then the estimated returns work to 12% p.a., as follows

Loan cycles (Avg. Loan Tenure of 6 months) : 2
ROI: 22%
Platform Facilitation Fees: 2%
NPA for 2 loan cycles: 8%
Hence estimated return: (22 – 8 – 2) = 12% p.a.

As per the platform data submitted to the Reserve Bank of India (RBI)

Rate of interest
Default Rate
JavaScript Bar Chart

Loan Recovery Performance as on 31st Dec 2021

  • The chart shows a % wise breakup of the recovery tenures of loans disbursed by the platform.
  • 91% of loans disbursed are recovered/closed at regular time intervals, with a diminishing ratio of loans going into later delinquency buckets, owing to a robust collections mechanism for loan recovery.
  • LenDenClub has a strong credit check model with 200+ data points to list only credible borrowers on the platform.

Number of Loans Disbursed

The graph displays the quarter wise number of loans that the platform has disbursed till date.

Number of Loans Disbursed

The graph displays the quarter wise number of loans that the platform has disbursed till date.

Number of Registered Investors

The graph displays the cumulative number of registered investors at the end of every quarter.