Hyper-diversify with Fractional Matchmaking Peer to Peer Plan (FMPP®)
With FMPP®, your fund is diversified to the lowest possible fraction. If you invest ₹ 10,00,000, your fund could be distributed to lakhs of borrowers to reduce risk and maximize returns. Try it now!

- Investment Starting ₹ 10,000
- Safe from market volatility
- Returns > 10% since launch
About FMPP®
It’s a loan-matching algorithm designed to make effective matchmaking between investor/lender and borrower to achieve maximum diversification across a maximum number of loans.
- As the name says, we take the lowest possible fraction of your investment to invest in loans as low as Re. 1 to mitigate risk.
- You can start with as low as ₹ 10,000 for a year.
- FMPP® has given returns of more than 10% to its investors in the past quarter
Find out how much return you can earn if invested in FMPP®
Calculate Returns
Return Calculator
Total Interest
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We have sent your request information to your email.Return illustration considering portfolio return at 10% p.a.
Loan curation and due-diligence methodologies
How does the platform curate the best loans
Advanced Data
We collect hundreds of data points from the borrower to assess their creditworthiness
Credit Underwriting
We have advanced algorithms that thoroughly review the collected data before processing the loan request.
Robust Automation
We use machine learning and artificial intelligence to ensure robust credit check.
We don’t just say, we achieve results!
FMPP® Quarterly Performance
In the last quarter, FMPP® investors earned an average of more than 10% p.a. You can make the best use of your funds by investing in FMPP®.
Avg Returns p.a. in December 2022
What makes FMPP® different?
Hyper-diversification
Funds hyper-diversified; as low as ₹1 per borrower to mitigate risk.
Matchmaking
We do match making between an investor and borrower to ensure you earn the best return.
AI / ML Powered
End-to-end automated processes and advanced algorithms used for investment.
What are the risks, and how do we reduce them
There's some risk
Credit Default Risk: LenDenClub platform puts its best efforts into sourcing the right borrowers, and do thorough underwriting, information verification, and KYC checks. However, there is still a possibility of fraud or credit default risk for the borrower. It’s part and parcel of any lending activity. Here, your investment is into loans. In a way, it’s a lending activity. Though LenDenClub’s platform’s performance is good, and it delivered good results in the past, it is vital for you to understand the risk involved in the investment. To mitigate this risk, your investment should be divided into small amounts. On the LenDenClub platform, the capital matching algorithm helps you achieve the same.
Collection Risk: If a borrower does not repay, the platform uses various channels (which follow all RBI-specified guidelines) to recover the funds and ensure you receive your funds back. This includes digital follow-ups, physical meetings with the borrower, and initiating a legal recovery process against the borrower. Based on the loan amount, outstanding amounts, and physical connectivity of the place, the platform decides on the type of collection efforts in the best possible way. Again, because your investments are divided into hundreds and thousands of loans, the effect of non-repayment by a particular borrower will be very minimal.
Some testimonials
Hear from our investors
The new FMPP® product is good. Was confused initially, but the support team helped me get clarity. The results in past quarter are reassuring. Keep up the innovation guys.
Love the overall experience. Never had to be worried about the nitty gritty of P2P investment. LenDenClub takes care of it with its FMPP® plan. The returns received were exactly as promised.
I really like this product for two reasons. One, they have a track record of good returns, and second, their support staff is extremely polished and guides you well.
Ready to start diversifying your funds?
Diversify your investments with LenDenClub and increase your overall portfolio value. Download the LenDenClub app to start investing!
