The graph highlights quarterly data from FY17-Q1 to FY20-Q4 comparing the weighted average rate of return over the default rate.
*As per the platform data submitted to the Reserve Bank of India (RBI)
The graph highlights quarterly data from FY17-Q1 to FY20-Q4 comparing the weighted average rate of return over the default rate.
*As per the platform data submitted to the Reserve Bank of India (RBI)
Here’s a comparison of returns received in multiple investment instruments.
* Weighted average of all debt funds
** The above data is, 3 year annualised return as on 18th April 2020
The bar graph represents the percentage of borrowers for long term loan products covering various loan buckets.
Long term loans are those beyond 12 months tenure.
The bar graph represents the percentage of borrowers for short term loan products covering various loan buckets.
Short term loans are those with up to 12 months tenure.
| Risk Category | Portfolio breakup (A) | Default in Risk Category (B)* | Potfolio Level Default (C = A x B)** |
|---|---|---|---|
| LOW | 0.06% | 0.00% | 0.00% |
| MODERATE | 6.03% | 5.92% | 0.36% |
| HIGH | 21.35% | 5.87% | 1.25% |
| VERY HIGH | 18.46% | 4.59% | 0.85% |
| ULTRA HIGH | 4.55% | 3.71% | 0.17% |
| UNIDENTIFIED | 49.55% | 6.50% | 3.22% |
| GRAND TOTAL | 100.00% | 5.85% *** |
* Denotes default within a particular risk category
** Denotes the default contribution of a particular risk category in the overall portfolio platform.
*** This include increase in defaults due to national lockdown under the impact of COVID-19
This data is as on 31st March 2020
Disclaimer
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 on it.
LenDenClub is an Intermediary under the provisions of the Information Technology Act, 1999 and virtually connect lenders and borrowers through electronic platforms of website and/or mobile app. The lending transaction is purely between lenders and borrowers at their own discretion and LenDenClub does not assure loan fulfillment and/or investment returns. Also, the information provided on the platform are verified or checked on the best efforts basis without guarantying any accuracy in the data/information verification. Any investment decision taken by the lender on the basis of this information is at discretion of the lender and LenDenClub does not guarantee that the loan amount will be recovered back 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.