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Find out</a></li><li class="hidden"><a target="_blank" onclick="ga('send', 'event', 'p2p', 'p2pMIDDLE', 'p2phead8');" href="wealth/borrow/what-is-peer-to-peer-lending/articleshow/60890857.cms">What is peer-to-peer lending</a></li><li class="hidden"><a target="_blank" onclick="ga('send', 'event', 'p2p', 'p2pMIDDLE', 'p2phead9');" href="news/economy/finance/Leverage-ratio-and-P2P-lending-All-you-need-to-know/articleshow/52755047.cms">Leverage ratio and P2P lending: All you need to know</a></li></ul></div><section id="bottomContent"><section id="bottomPL"><div class="botplData flt"><a href="/wealth/p2p/benefits-of-investing-via-p2p-platform-vinay-mathews-explains/videoshow/71568938.cms"><span class="imgContainer flatVideoImg"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-71568938,width-160,height-120,imgsize-227443/benefits-of-investing-via-p2p-platform-vinay-mathews-explains.jpg" alt="Benefits of investing via P2P platform: Vinay Mathews explains"><span class="spriteSV videoImg" data-msid="71568938"></span></span></a><h3><a title="Benefits of investing via P2P platform: Vinay Mathews explains" href="/wealth/p2p/benefits-of-investing-via-p2p-platform-vinay-mathews-explains/videoshow/71568938.cms">Benefits of investing via P2P platform: Vinay Mathews explains</a></h3><span>Oct 13, 2019, 09:09 PM IST</span><p class="videoSumm">Vinay Mathews, Founder and COO, Faircent talks about the benefits of investing via the P2P platform at the ET Wealth Investment Workshop in Chandigarh...</p></div><div class="botplData flt"><a href="/wealth/p2p/do-you-know-how-your-loan-gets-funded-on-p2p-platforms/slideshow/68428569.cms"><span class="imgContainer slideshowImage"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68428523,width-160,height-120,imgsize-98625/do-you-know-how-your-loan-gets-funded-on-p2p-platforms.jpg" alt="Do you know how your loan gets funded on P2P platforms"><span class="playIcon"></span></span></a><h3><a title="Do you know how your loan gets funded on P2P platforms" href="/wealth/p2p/do-you-know-how-your-loan-gets-funded-on-p2p-platforms/slideshow/68428569.cms">Do you know how your loan gets funded on P2P platforms</a></h3><span>Mar 15, 2019, 06:32 PM IST</span><p>Peer-to-peer (P2P) lending is a faster and convenient way to lend and borrow money online. But how does this transfer of money takes place between two individuals who never meet personally. Here is how the process work.</p></div><div class="botplData flt"><a href="/wealth/p2p/we-want-to-be-the-alternate-banking-system-in-rural-areas-paisadukan/articleshow/68426273.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68426273,width-160,height-120,imgsize-573773/we-want-to-be-the-alternate-banking-system-in-rural-areas-paisadukan.jpg" alt="We want to be the alternate banking system in rural areas: PaisaDukan"></span></a><h3><a title="We want to be the alternate banking system in rural areas: PaisaDukan" href="/wealth/p2p/we-want-to-be-the-alternate-banking-system-in-rural-areas-paisadukan/articleshow/68426273.cms">We want to be the alternate banking system in rural areas: PaisaDukan</a></h3><span>Mar 15, 2019, 04:33 PM IST</span><p>What could inspire a-year-old fintech to open a branch in a rural hinterland like Madhubani in Bihar.</p></div><div class="botplData flt"><a href="/wealth/p2p/p2p-investments-how-does-double-digit-return-match-up-to-risk-factors/videoshow/68405251.cms"><span class="imgContainer flatVideoImg"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68405251,width-160,height-120,imgsize-42568/p2p-investments-how-does-double-digit-return-match-up-to-risk-factors.jpg" alt="P2P investments: How does double digit return match up to risk factors?"><span class="spriteSV videoImg" data-msid="68405251"></span></span></a><h3><a title="P2P investments: How does double digit return match up to risk factors?" href="/wealth/p2p/p2p-investments-how-does-double-digit-return-match-up-to-risk-factors/videoshow/68405251.cms">P2P investments: How does double digit return match up to risk factors?</a></h3><span>Mar 14, 2019, 12:30 PM IST</span><p class="videoSumm">Can Peer-to-Peer investment platforms deliver double digit annual returns and what are the risks involved in such investments? Pallavi Verma of Econom...</p></div><div class="botplData flt"><a href="/wealth/p2p/watch-will-rbi-revise-rs-10-lakh-cap-on-p2p-investments/videoshow/68395517.cms"><span class="imgContainer flatVideoImg"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68395517,width-160,height-120,imgsize-40807/watch-will-rbi-revise-rs-10-lakh-cap-on-p2p-investments.jpg" alt="Watch: Will RBI revise Rs 10 lakh cap on P2P investments?"><span class="spriteSV videoImg" data-msid="68395517"></span></span></a><h3><a title="Watch: Will RBI revise Rs 10 lakh cap on P2P investments?" href="/wealth/p2p/watch-will-rbi-revise-rs-10-lakh-cap-on-p2p-investments/videoshow/68395517.cms">Watch: Will RBI revise Rs 10 lakh cap on P2P investments?</a></h3><span>Mar 13, 2019, 07:03 PM IST</span><p class="videoSumm">RBI has put a Rupees ten lakh cap on Peer-To-Peer investment platforms. How does this affect investors and platforms. Pallavi Verma of Economic Times ...</p></div><div class="botplData flt"><a href="/wealth/p2p/every-transaction-is-validated-multiple-times-on-p2p-platforms-cashkumar/articleshow/68356443.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68356443,width-160,height-120,imgsize-255607/every-transaction-is-validated-multiple-times-on-p2p-platforms-cashkumar.jpg" alt="Every transaction is validated multiple times on P2P platforms: Cashkumar"></span></a><h3><a title="Every transaction is validated multiple times on P2P platforms: Cashkumar" href="/wealth/p2p/every-transaction-is-validated-multiple-times-on-p2p-platforms-cashkumar/articleshow/68356443.cms">Every transaction is validated multiple times on P2P platforms: Cashkumar</a></h3><span>Mar 11, 2019, 02:57 PM IST</span><p>With the ease of digital transactions comes the threat of data theft.</p></div><div class="botplData flt"><a href="/wealth/p2p/will-ban-on-unregulated-deposit-schemes-benefit-p2p-lending/articleshow/68200736.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68200736,width-160,height-120,imgsize-181390/will-ban-on-unregulated-deposit-schemes-benefit-p2p-lending.jpg" alt="Will ban on unregulated deposit schemes benefit P2P lending?"></span></a><h3><a title="Will ban on unregulated deposit schemes benefit P2P lending?" href="/wealth/p2p/will-ban-on-unregulated-deposit-schemes-benefit-p2p-lending/articleshow/68200736.cms">Will ban on unregulated deposit schemes benefit P2P lending?</a></h3><span>Feb 28, 2019, 03:41 PM IST</span><p>The next time you are looking for an unsecured loan, make sure you reach out to the right lender. </p></div><div class="botplData flt"><a href="/wealth/p2p/6-smart-tips-for-investing-in-p2p-lending/articleshow/68171243.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68171243,width-160,height-120,imgsize-18818/6-smart-tips-for-investing-in-p2p-lending.jpg" alt="6 smart tips for investing in P2P lending"></span></a><h3><a title="6 smart tips for investing in P2P lending" href="/wealth/p2p/6-smart-tips-for-investing-in-p2p-lending/articleshow/68171243.cms">6 smart tips for investing in P2P lending</a></h3><span>Feb 26, 2019, 06:36 PM IST</span><p>Lenders get a higher interest rate than other conventional modes of investment and borrowers can get loans without the myriad of paperwork and collaterals usually required.</p></div><div class="botplData flt"><a href="/wealth/p2p/top-9-things-to-keep-in-mind-to-earn-higher-returns-using-p2p-lending/articleshow/68171120.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68171120,width-160,height-120,imgsize-9480/top-9-things-to-keep-in-mind-to-earn-higher-returns-using-p2p-lending.jpg" alt="Top 9 things to keep in mind to earn higher returns using P2P lending"></span></a><h3><a title="Top 9 things to keep in mind to earn higher returns using P2P lending" href="/wealth/p2p/top-9-things-to-keep-in-mind-to-earn-higher-returns-using-p2p-lending/articleshow/68171120.cms">Top 9 things to keep in mind to earn higher returns using P2P lending</a></h3><span>Feb 26, 2019, 06:32 PM IST</span><p>The internet has democratised several activities which earlier needed a formal institution. One can express an editorial opinion using one's blog without being an editor.</p></div><div class="botplData flt"><a href="/wealth/p2p/women-from-small-towns-queue-up-for-p2p-loans/articleshow/68113072.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68113072,width-160,height-120,imgsize-312302/women-from-small-towns-queue-up-for-p2p-loans.jpg" alt="Women from small towns queue up for P2P loans"></span></a><h3><a title="Women from small towns queue up for P2P loans" href="/wealth/p2p/women-from-small-towns-queue-up-for-p2p-loans/articleshow/68113072.cms">Women from small towns queue up for P2P loans</a></h3><span>Feb 22, 2019, 04:57 PM IST</span><p>"women borrowers make more timely repayments as compared to their male counterparts. "</p></div><div class="botplData flt"><a href="/wealth/p2p/rupeecircle-ties-up-with-tata-aig-to-insure-p2p-loans/articleshow/68064042.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-68064042,width-160,height-120,imgsize-177025/rupeecircle-ties-up-with-tata-aig-to-insure-p2p-loans.jpg" alt="RupeeCircle ties up with Tata AIG to insure P2P loans"></span></a><h3><a title="RupeeCircle ties up with Tata AIG to insure P2P loans" href="/wealth/p2p/rupeecircle-ties-up-with-tata-aig-to-insure-p2p-loans/articleshow/68064042.cms">RupeeCircle ties up with Tata AIG to insure P2P loans</a></h3><span>Feb 19, 2019, 04:42 PM IST</span><p>P2P fintech RupeeCircle has signed a deal with TATA AIG for insurance cover for its loans. </p></div><div class="botplData flt"><a href="/wealth/p2p/rbi-may-change-rs-10-lakh-lending-cap-on-p2p-platforms-say-p2p-players/articleshow/67990896.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67990896,width-160,height-120,imgsize-603257/rbi-may-change-rs-10-lakh-lending-cap-on-p2p-platforms-say-p2p-players.jpg" alt="RBI may change Rs 10 lakh lending cap on P2P platforms, say P2P players"></span></a><h3><a title="RBI may change Rs 10 lakh lending cap on P2P platforms, say P2P players" href="/wealth/p2p/rbi-may-change-rs-10-lakh-lending-cap-on-p2p-platforms-say-p2p-players/articleshow/67990896.cms">RBI may change Rs 10 lakh lending cap on P2P platforms, say P2P players</a></h3><span>Feb 14, 2019, 02:33 PM IST</span><p>Peer to Peer or P2P players are hopeful that the comprehensive financial data sought by the RBI might help the regulator to take some major policy decisions</p></div><div class="botplData flt"><a href="/wealth/p2p/all-you-need-to-know-about-p2p-lending/videoshow/67960066.cms"><span class="imgContainer flatVideoImg"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67960066,width-160,height-120,imgsize-107307/all-you-need-to-know-about-p2p-lending.jpg" alt="All you need to know about P2P lending"><span class="spriteSV videoImg" data-msid="67960066"></span></span></a><h3><a title="All you need to know about P2P lending" href="/wealth/p2p/all-you-need-to-know-about-p2p-lending/videoshow/67960066.cms">All you need to know about P2P lending</a></h3><span>Feb 12, 2019, 05:06 PM IST</span><p class="videoSumm">Vinay Mathews, Founder and COO, Faircent talks about the benefits of investing via the P2P platform at the ET Wealth Investment Workshop in Jaipur. </p></div><div class="botplData flt"><a href="/wealth/p2p/how-p2p-platforms-create-credit-profile-of-borrowers/articleshow/67864368.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67864368,width-160,height-120,imgsize-374410/how-p2p-platforms-create-credit-profile-of-borrowers.jpg" alt="How P2P platforms create credit profile of borrowers"></span></a><h3><a title="How P2P platforms create credit profile of borrowers" href="/wealth/p2p/how-p2p-platforms-create-credit-profile-of-borrowers/articleshow/67864368.cms">How P2P platforms create credit profile of borrowers</a></h3><span>Feb 6, 2019, 12:31 PM IST</span><p>Have you ever wondered what these platforms look for in a borrower?</p></div><div class="botplData flt"><a href="/wealth/p2p/p2p-lenders-give-thumbs-up-to-budget-2019/articleshow/67804195.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67804195,width-160,height-120,imgsize-419837/p2p-lenders-give-thumbs-up-to-budget-2019.jpg" alt="P2P lenders give thumbs up to budget 2019"></span></a><h3><a title="P2P lenders give thumbs up to budget 2019" href="/wealth/p2p/p2p-lenders-give-thumbs-up-to-budget-2019/articleshow/67804195.cms">P2P lenders give thumbs up to budget 2019</a></h3><span>Feb 2, 2019, 11:45 AM IST</span><p>A slew of tax sops in budget 2019 would have a positive impact on the P2P industry, believe leaders of the emerging industry.</p></div><div class="botplData flt"><a href="/wealth/p2p/p2p-industry-expectations-from-budget-2019/slideshow/67768781.cms"><span class="imgContainer slideshowImage"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67768629,width-160,height-120,imgsize-81884/p2p-industry-expectations-from-budget-2019.jpg" alt="P2P industry expectations from Budget 2019"><span class="playIcon"></span></span></a><h3><a title="P2P industry expectations from Budget 2019" href="/wealth/p2p/p2p-industry-expectations-from-budget-2019/slideshow/67768781.cms">P2P industry expectations from Budget 2019</a></h3><span>Jan 31, 2019, 11:24 AM IST</span><p>The peer to peer or P2P players are waiting for the budget with a lot of hopes. From tax sops to relaxation in Angel Tax and periodicity of GST returns, they have a long wishlist. Here are some of the pre-budget suggestions by prominent P2P players.</p></div><div class="botplData flt"><a href="/wealth/p2p/how-are-interest-rates-set-on-p2p-platforms/articleshow/67754829.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67754829,width-160,height-120,imgsize-603257/how-are-interest-rates-set-on-p2p-platforms.jpg" alt="How are interest rates set on P2P platforms?"></span></a><h3><a title="How are interest rates set on P2P platforms?" href="/wealth/p2p/how-are-interest-rates-set-on-p2p-platforms/articleshow/67754829.cms">How are interest rates set on P2P platforms?</a></h3><span>Jan 30, 2019, 03:01 PM IST</span><p>Risk profiling is the most important aspect of peer to peer (P2P) lending. </p></div><div class="botplData flt"><a href="/wealth/p2p/background-more-important-than-vintage-in-p2p-says-rupeecircle/articleshow/67568345.cms"><span class="imgContainer"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67568345,width-160,height-120,imgsize-507069/background-more-important-than-vintage-in-p2p-says-rupeecircle.jpg" alt="Background more important than vintage in P2P, says RupeeCircle"></span></a><h3><a title="Background more important than vintage in P2P, says RupeeCircle" href="/wealth/p2p/background-more-important-than-vintage-in-p2p-says-rupeecircle/articleshow/67568345.cms">Background more important than vintage in P2P, says RupeeCircle</a></h3><span>Jan 17, 2019, 11:50 AM IST</span><p>RupeeCircle, the first online lending player to receive the RBI licence this year.</p></div><div class="botplData flt"><a href="/wealth/p2p/watch-is-your-p2p-lending-worth-the-risk/videoshow/67258214.cms"><span class="imgContainer flatVideoImg"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67258214,width-160,height-120,imgsize-38056/watch-is-your-p2p-lending-worth-the-risk.jpg" alt="Watch: Is your P2P lending worth the risk?"><span class="spriteSV videoImg" data-msid="67258214"></span></span></a><h3><a title="Watch: Is your P2P lending worth the risk?" href="/wealth/p2p/watch-is-your-p2p-lending-worth-the-risk/videoshow/67258214.cms">Watch: Is your P2P lending worth the risk?</a></h3><span>Dec 26, 2018, 06:01 PM IST</span><p class="videoSumm">How much does a person earn when she starts lending through a Per to Peer lending platform? How can one evaluate the risk grade and possible return? A...</p></div><div class="botplData flt"><a href="/wealth/p2p/various-fees-charged-by-p2p-platforms/slideshow/67252244.cms"><span class="imgContainer slideshowImage"><img src="https://img.etimg.com/thumb/msid-42031747,width-160,height-120/etlogo.jpg" class="lazy" width="160" height="120" data-original="https://img.etimg.com/thumb/msid-67252243,width-160,height-120,imgsize-336211/various-fees-charged-by-p2p-platforms.jpg" alt="Various fees charged by P2P platforms"><span class="playIcon"></span></span></a><h3><a title="Various fees charged by P2P platforms" href="/wealth/p2p/various-fees-charged-by-p2p-platforms/slideshow/67252244.cms">Various fees charged by P2P platforms</a></h3><span>Dec 26, 2018, 11:06 AM IST</span><p>Here’s a list of charges a borrower needs to pay while taking a loan from a peer-to-peer (P2P) lending platform. </p></div></section></section><div class="clrwh2"></div><div id="campbotdiv" class="pagination1"><div class="childfst">Page 1 of <a href="/%0A wealth/p2p/p2p_home/msid-65068593,page-4.cms">4</a></div><div class="child2nd"><span>1</span> | <a href="/%0A wealth/p2p/p2p_home/msid-65068593,page-2.cms">2</a> | <a href="/%0A wealth/p2p/p2p_home/msid-65068593,page-3.cms">3</a> | <a href="/%0A wealth/p2p/p2p_home/msid-65068593,page-4.cms">4</a></div><div class="child3rd">    <a rel="next" href="/%0A wealth/p2p/p2p_home/msid-65068593,page-2.cms">NEXT<span> »</span></a></div></div></div><aside id="rightDiv" class="rgt"><div class="clr"></div><div class="clrwh2"></div><section class="faq-taxfilling faq_p2p_questions"><h2><span class="header-name">FAQs for P2P Borrowers</span><span class="hArrow homeSprite"></span></h2><div class="faq-container"><div class="faq-panel active"><h3><span class="ques-mark">Q.</span><span>What is Peer to Peer (P2P) lending?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>Peer to peer (P2P) lending platform is a marketplace that connects individuals in need for credit with individuals and institutions willing to lend. </p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Who can lend on a P2P platform?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>Any Indian resident, above 18 years of age, with a valid bank account and PAN can lend on the platform. Any non-banking financial company listed by RBI or companies formed under the Indian Companies Act can also apply as lenders.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>How does P2P lending benefit lenders?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>P2P lending helps lenders earn interest on the idle money which otherwise would not earn anything.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Can a lender become an investor through P2P lending?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>To become an investor, you can sign up and fill in the basic details about yourself and pay the registration fees through debit/credit card, net banking, etc. Your registration will be verified within 12-24 hrs. Once approved, you can log on to your account online and start lending.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What’s the maximum amount and duration for lending?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>One can start with a minimum amount of Rs 750 per loan. Borrowers are registered for a period between 6 and 36 months. You can choose the borrower according to the loan duration suitable to you.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Why should lenders pay a fee to invest their own money?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>The registration fee is used to process and verify the documents received. It is typically adjusted towards the legal agreement and documentation done with the borrowers before disbursing the loan.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What is the expected rate of return?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>Lenders can expect returns in the range of 12-28 percent, depending on how you spread your investment. Returns also depend on the ongoing demand for lenders on the platform.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Can I control the returns from my investment?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>You can control the returns by spreading the investment across borrowers at different loan amounts and rate of interest.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What is the maximum amount per borrower?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>An individual lender can invest up to 20%, High Net worth Individuals can invest up to 50%, and institutional lenders up to 100% of the total loan amount requested by an individual borrower.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What happens in case of delayed or non-payment by borrowers?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>In case of any default, additional penal interest will be applied to the due amount for the duration of delay which borrower (s) will be liable to pay directly to their lender(s).</p></div></div></div></section><div class="clrwh2"></div><section class="faq-taxfilling faq_p2p_questions"><h2><span class="header-name">FAQs for P2P Lenders</span><span class="hArrow homeSprite"></span></h2><div class="faq-container"><div class="faq-panel active"><h3><span class="ques-mark">Q.</span><span>What is Peer to Peer (P2P) lending?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>Peer to peer (P2P) lending platform is a marketplace that connects individuals in need for credit with individuals and institutions willing to lend.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Who can lend on a P2P platform?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>Any Indian resident</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>How does P2P lending benefit lenders?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>P2P lending helps lenders earn interest on the idle money which otherwise would not earn anything</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Can a lender become an investor through P2P lending?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>To become an investor</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What’s the maximum amount and duration for lending?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>One can start with a minimum amount of Rs 750 per loan. Borrowers are registered for a period between 6 and 36 months. You can choose the borrower according to the loan duration suitable to you.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Why should lenders pay a fee to invest their own money?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>The registration fee is used to process and verify the documents received. It is typcially adjusted towards the legal agreement and documentation done with the borrowers before disbursing the loan.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What is the expected rate of return?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>Lenders can expect returns in the range of 12-28 percent</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>Can I control the returns from my investment?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>You can control the returns by spreading the investment across borrowers at different loan amounts and rate of interest.</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What is the maximum amount per borrower?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p>An individual lender can invest up to 20%</p></div></div><div class="faq-panel"><h3><span class="ques-mark">Q.</span><span>What happens in case of delayed or non-payment by borrowers?</span><span class="arrow">&rsaquo;</span></h3><div class="faq-content"><p> In case of any default</p></div></div></div></section><div class="clrwh2"></div><div xmlns:valurl="com.times.utilities.CMSWebUtility" xmlns:java="java" class="asidecalc-slider"><div id="widgetCalc" class="slider-ctn"><h5>MORE CALCULATORS </h5><div class="calculatorwrap clcWgtSldr"><div class="calclist calc-list"><ul><li><div class="calc-img"><span><img class="lazy" height="161" width="161" alt="NPS Calculator" title="NPS Calculator" src="https://img.etimg.com/photo/msid-42031747,quality-100/et-logo.jpg" data-original="https://img.etimg.com/photo/59470014.cms"></span></div><div class="calc-info"><h5><a title="NPS Calculator" target="_blank" href="/wealth/calculators/nps-calculator">NPS Calculator</a></h5><p>Calculate the amount of pension wealth you will accumulate on retirement. </p><a title="NPS Calculator" 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