About Us

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.

A 1 Finance, a new-age personal finance institution centered on life goals and financial well-being, our platform redefines lending beyond banks. Built on principles of psychology, trust, and transparency, we enable individuals to participate in a more human-centric and inclusive credit ecosystem

Our founders are seasoned professionals from finance and technology who saw the legacy inefficiencies in India’s lending ecosystem - where retail lenders were kept out of opportunities that large institutions enjoyed. 1 Finance P2P is changing that. By connecting verified borrowers directly with portfolios of individual lenders, we’re creating a new path for people to grow their wealth while enabling access to fair, timely credit.

We aim to democratise lending - fractional, digital, and hassle-free - with smaller ticket sizes, transparent borrower insights, and zero middlemen.

1 Finance P2P has been building a lending ecosystem that prioritizes quality borrowers, responsible lending, and data-driven transparency. Our platform is built for lenders who value stability, control, and consistent returns - and for borrowers who deserve quick, fairly priced, and respectful access to credit.

Who We're Building This for

Lenders looking for an alternate investment avenue that offers stable, high-quality, and consistent returns by directly lending to carefully evaluated borrowers

Borrowers with strong credit profiles who need quick, flexible, and affordable credit without the delays, rigidity, or complexity of traditional lending channels.

Why choose 1 Finance P2P

Quality-first lending

Lenders earn by funding thoroughly assessed, creditworthy borrowers through structured credit evaluation and risk categorisation.

Quick & transparent credit for borrowers

Borrowers benefit from faster access to funds, clear terms, and competitive pricing—without excess friction or hidden costs.

Human-centric approach

True to the 1 Finance philosophy, decisions are built around real financial behavior, not just numbers.

Trust & compliance

A reliable, compliant platform backed by a large and experienced financial conglomerate, ensuring governance, transparency, and regulatory discipline.

Aligned incentives

A platform where lenders and borrowers both benefit—creating a sustainable, win-win credit ecosystem.

Building on our legacy in the industry

As part of the Marwadi Chandarana Group, 1 Finance P2P draws strength from decades of experience in personal finance, credit management, and responsible lending practices. This deep understanding of how individuals across India earn, borrow, repay, and build financial discipline allows us to design a lending ecosystem rooted in trust, transparency, and data-backed insights. Today, every decision, policy, and product we build at 1 Finance P2P is shaped by these real-world learnings, ensuring a safer and more informed lending experience for both borrowers and lenders.

Marquee Investors

1 Finance P2P is backed and mentored by the Marwadi Chandarana Group, which was established in 1995 and has marked its prominence in the education sector with Marwadi University, one of the youngest and fastest-growing universities in the western region of India; in the financial sector through retail financial services by Marwadi Financial Services; in providing professional, algorithmic, and automated pre-programmed based trading with Marwadi Chandarana Intermediaries Brokers Private Limited (MCIBPL); and in building a more sustainable future with solar energy solutions by Pixon.

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