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.
Monthly NPA Trend - FY 2022-23
P2P Lending is growing rapidly in India. Question is, how and who is contributing to this growth.
Here we present to you a summary of how the investors of LenDenClub have been earning attractive returns by investing as low as ₹ 10,000 to as much as ₹ 50 Lacs.
Download the Fact Sheet to learn more about these stats and more.
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 11.94% p.a. You can make the best use of your funds by investing in FMPP®.