HomePortfolio Performance

Portfolio Performance

Performance breakup of total loans lent

Loans Disbursed
0 Crores

*Portfolio performance updated as on 30th September 2024
*DPD – Days past due
*NPA – Account is classified as NPA if the loan remains overdue for more than 90 days

Auto Lending Returns vs NPA

Lenders on LenDenClub platform benefit from strong interest earnings. Below is the illustration of returns earned over the past 1 year against the monthly delinquency of loans exceeding 90+ DPD at the portfolio level.
Below is the historical data of returns earned over the past 1 year against the monthly NPA of loans at the portfolio level.

Impact of NPA on Interest and / or Principal Loss

The lenders on the platform have used the interest they earned to issue additional loans. The below chart illustrates how non-performing assets (NPAs) impact both the original principal lent and the interest earned, which is subsequently used for further lending by the lenders. The loss of interest doesn’t mean loss of returns. This table shows that NPA impact is being absorbed by gross interest from borrowers and return of lenders remain intact.

DPD Wise AgeingLoss of PrincipalLoss of Interest
91-1800.00%0.17%
181-3600.00%0.78%
361-5400.00%0.65%
541-7200.00%0.58%
>7200.15%0.73%
Total3.06%

Cumulative loan amount disbursed (Amount in Crores)

Number of cumulative Registered lenders – 2.4 million

Performance Report

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 lenders of LenDenClub have been earning attractive interest by lending as low as ₹ 10,000 to as much as ₹ 50 Lacs.

Download the Fact Sheet to learn more about these stats and more.

We don’t just say, we achieve results!

FMPP® Quarterly Performance

In the last quarter, FMPP® lenders have earned upto 12% p.a. since launch

You can make the best use of your funds by lending in FMPP®.

11.06

Avg Returns p.a. in March 2024

LenDenClub is India’s largest Peer to Peer lending platform which started operations in India in 2015. We have been helping lenders diversify their portfolio beyond traditional investment instruments ever since.

Lending

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 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 lending simple interest. 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 lending 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’ lending amounts.

*This is an annualized yield and is subject to the maximum FMPP tenure, which is 5 years. P2P lending is subject to high risk and may cause an entire loss of principal.
 

*P2P lending is subject to risks. And lending 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.

© 2024 LenDenClub by Innofin Solutions Private Limited | CIN: U74999MH2015PTC266499