Hyper-diversify your funds with FMPP®

Fractional Matchmaking Peer to Peer Plan (FMPP®) is designed to help you earn maximum simple interest while reducing the risk significantly. FMPP® lenders have earned up to 15% p.a.* till date with zero principal loss.

FMPP P2P Lending
FMPP P2P Lending

Hyper-diversify your funds with FMPP®

Fractional Matchmaking Peer to Peer Plan (FMPP®) is designed to help you earn maximum returns while reducing the risk significantly. FMPP® investors have earned up to 15%p.a.* till date with zero principal loss.

Some of the products

Lending options to meet your financial goals

Long term wealth creation fund


Earn monthly interest

Monthly Income

Invest based on your preference

Manual Lending

manual lending
Manual lending investment

About FMPP®

It’s a loan-matching algorithm designed to make effective matchmaking between 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 amount lent to invest in loans as low as Re. 1 to mitigate risk.
  • You can lend up to 50 Lakhs
  • FMPP® has given simple interest of up to 15% p.a.* since the launch

Find out how much return you can earn if invested in FMPP®

Calculate Returns

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Return Calculator
Total Interest
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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® lenders have earned upto 12% p.a. since launch

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


Avg Returns p.a. in March 2024

What makes FMPP® different?


Funds hyper-diversified; as low as ₹1 per borrower to mitigate risk.


We do match making between an lender and borrower to ensure you earn the best return.

AI / ML Powered

End-to-end automated processes and advanced algorithms used for lending.

What are the risks, and how do we reduce them

There's some risk

Credit Default Risk: LenDenClub Peer to Peer Lending 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 money is lent 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, the amount you have lent 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 lending amount are divided into hundreds and thousands of loans, the effect of non-repayment by a particular borrower will be very minimal.

We hate to keep anything hidden. Here are the platform fees you should know about.

Platform fees

Fees and Charges: To ensure that our P2P lending platform operates effectively and efficiently, while generating good returns for our lenders, a few fees and charges are applicable. Transparency is a key aspect of our service, and therefore, it’s crucial for you to understand these charges and why they are essential for a successful lending experience.

Facilitation Fee:
This fee is charged for the range of services we provide to make lending smooth and hassle-free for you. The Facilitation Fee covers the costs associated with running the platform for lender-borrower matching, maintenance of a secure and user-friendly platform, and effective customer support. It ensures that we can continue to deliver an efficient and convenient lending experience for you.

Collection Fee:
The Collection Fee is applicable only when we set up with an external vendor or collections partner to manage loan repayments. This helps streamline the collections process while following all applicable guidelines, ensuring that you receive your simple interest in a timely manner. This fee is a small investment towards making the repayment process as smooth as possible.

Recovery Fee:
This fee is only applicable on successful repayment of the delinquent loan from the borrower to the lender. The Recovery Fee is levied for the additional efforts our team puts into ensuring that delinquent loans are repaid, including any follow-ups and legal steps that may be required. The fee is a testament to our commitment to go the extra mile to safeguard your lending amount.

Each of these fees contributes to the overall effectiveness of our platform, enabling us to offer you a robust, trustworthy lending service. The aim is not only to cover the operational costs but also to reinvest in technology and human resources to make our platform even better. This helps us continue to deliver on our promise of being a reliable investment avenue for you.

Some testimonials

Hear from our Lenders

Ready to start diversifying your funds?

Diversify your investments with LenDenClub and increase your overall portfolio value. Download the LenDenClub app to start lending in P2P!

For Android :

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


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.

** Average value mentioned is the weighted average of simple interest received by lenders

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