Earn up to 16% returns
Your money can do more.
Turn your savings into regular income.
Diversify your debt portfolio. Lend money to high-quality borrowers and earn up to 16% returns annually.
Your benefits as a 1 Finance P2P lender
Prime borrowers
We analyse over 250 data points, not just credit scores, to ensure you lend to the most trustworthy borrowers.
Diversified Risk
Your money is lent to a group of borrowers, so even if a few default, your overall capital remains safe. It minimises risk and protects your investment.
A trusted platform
We are an RBI-regulated NBFC-P2P platform. Your funds are securely managed by RBI-regulated trustee.
Regular income
Select borrowers based on their profiles and financial needs. Once they start repaying, you receive a steady monthly income from their payments.
Who Can Lend on 1 Finance P2P?
- If you want to earn regular passive income with potentially higher returns, you can lend through 1 Finance P2P.
- Eligibility criteria:
- 1) You are an Indian citizen residing in the country.
- 2) You are at least 18 years old.
- 3) You have a valid PAN card and an Indian bank account.
Who can borrow through 1 Finance P2P?
Our personal loan rates are among the best in the market, with 100% transparency and super-fast approval.
2) You must have a valid Indian bank account and basic KYC documents.
How to get started
01
Sign up and verify
Enter your name and phone number to create an account and complete your KYC.
02
Build your portfolio
Select from verified borrower profiles and start lending.
03
Earn a monthly income
Get repayments directly into your bank account. Track everything via the dashboard.
P2P Lending and Borrowing Industry
29,800 Crore +
AUM as of May 2025
3.5 Crore+
lenders registered across platforms
10+
Active P2P platforms in India
Get your personal loan sanctioned in 4 hours
01
Quick application
Apply in minutes. Just verify your details and link your bank account to get started.
02
Choose an offer
We provide the options—you choose the loan amount and payment term that suit your needs.
03
Instant loan disbursement
Once approved, the funds are transferred directly to your bank account without delay.
P2P Lending and Borrowing Industry
29,800 Crore+
AUM as of May 2025
3.5 Crore+
lenders registered across platforms
10+
Active P2P platforms in India
Frequently Asked Questions
Peer-to-peer (P2P) lending connects borrowers and lenders directly. It allows borrowers to get loans quickly and lets lenders earn money on their investments. This is all done through a safe and regulated online platform. Lenders can choose whom to lend to, helping them diversify their portfolios.
Yes, P2P lending is regulated by the Reserve Bank of India (RBI). Since P2P platforms engage in lending and borrowing, the RBI mandates that they be registered as P2P non-banking financial companies (NBFCs).
1 Finance P2P is a Reserve Bank of India (RBI) registered NBFC-P2P with a simple vision: to make credit more accessible and lending more rewarding. We select high-quality borrowers and offer lenders returns of up to 16%. For borrowers, we provide loans at the best rates in the industry.
Yes, 1 Finance P2P is officially registered as an NBFC-P2P with the RBI. It ensures we offer a safe and regulated platform for peer-to-peer lending and borrowing throughout India.
Anyone who is a resident of India, has an Indian bank account, and is at least 18 years old can become a lender at 1 Finance P2P.
1 Finance P2P lending helps you to diversify your debt portfolio with high-return, low-risk instruments. By lending to creditworthy borrowers, you can achieve annual returns of up to 16%, which is significantly higher than the rates offered by traditional banks on fixed deposits and savings accounts. Since we thoroughly screen our borrowers, the risk of defaults is minimal.
If a borrower defaults, P2P lending platforms take steps to recover the loan, such as sending reminders, charging late fees, and reporting to credit bureaus. In severe cases, legal action may be taken; however, the lender ultimately incurs the financial loss.
At 1 Finance P2P, we safeguard your money by diversifying your funds across multiple borrowers. Our policy limits lending to 5% of your total investment per individual, minimising risk. Additionally, we have a stringent credit underwriting process that evaluates over 250 parameters before approving loans. It ensures you lend only to high-quality, creditworthy borrowers, reducing your risk of default.
To borrow from 1 Finance P2P, you need to be at least 18 years old and have a valid bank account. KYC documents are also required to apply for a loan on P2P lending platforms. The total borrowing limit across all platforms is capped at ₹10 lakh at any given time.
You can apply for a maximum online loan of up to ₹3 lakh from 1 Finance P2P. The minimum amount you can borrow is ₹10,000. Remember that you can apply for a loan up to ₹10 lakh across all P2P lending platforms at any point in time.
Borrowers will be charged an interest rate based on their risk profile. The interest rate will range from 10% to 16%.
A borrower can avail a loan for up to 24 months. The actual tenure depends on the loan amount and the credit profile. However, as per RBI guidelines, the maximum tenure for a P2P loan cannot exceed 36 months.
At 1 Finance P2P, we believe in 100% transparency. While there is a nominal processing fee for borrowers to cover administrative and credit assessment costs, there are no hidden charges. All fees, interest rates, and repayment terms are clearly disclosed upfront before you finalise your loan or investment, ensuring you stay in complete control of your finances.
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