Want market-like returns without the risks?
Start earning regular passive income today.

Yes. P2P lending is legal in India. The platform you use to lend money must be registered with the Reserve Bank of India (RBI) as an NBFC-P2P. Remember that P2P platforms must share clear details about the borrowers and their loan performance with their lenders.

The amount you can lend on any P2P platform depends on its specific rules. For example, at 1 Finance, the maximum you can lend to a single borrower is ₹50,000, with a limit of 5% of your total lending to any single borrower. It reduces lenders' risk by spreading their investments across multiple borrowers.

No. To ensure secure, fast, and smooth transactions, 1 Finance P2P uses a lender's escrow account managed by RBI-regulated trustee for all fund transfers.

According to RBI, a lender's total exposure to all borrowers across all P2P platforms may not exceed ₹50 lakh at any time. If your lending exceeds ₹10 lakh, you need to obtain a Net Worth certificate from a Chartered Accountant that verifies your net worth is at least ₹50 lakh.

No, you cannot withdraw my loan principal before the loan tenure ends on a P2P platform. However, you can choose how much money you want to lend to a borrower, as well as the repayment schedule they follow. The maximum amount you can lend to any one borrower is limited to 5% of that borrower's total loan amount. As they make repayments, you will receive monthly payments as a lender with 1 Finance P2P.

At 1 Finance, we carefully screen borrowers by reviewing their financial details, history, and over 250 parameters. It is crucial to remember that P2P lending is not the same as a bank deposit—it is not insured, and there is always a risk that a borrower might not repay the loan. This means that your potential returns are not guaranteed. We do our best to recover the money you lend in the event of a default.
Before you lend through 1 Finance P2P, please read our terms and conditions carefully to understand all the risks involved.

At 1 Finance P2P, lending includes built-in diversification. You can lend at least 1% and up to 5% of what a borrower needs, but no more than that. This way, your money is spread across multiple borrowers rather than concentrated in a single borrower. If one person defaults, it won't affect all of your funds. This strategy helps reduce the risk of your lending portfolio.

No, the earnings from P2P lending are not guaranteed. There is always a risk that a borrower might not repay their loan. At 1 Finance P2P, we mitigate this risk by conducting thorough checks on all potential borrowers, using more than 250 different parameters. Lending only to reliable borrowers is the best way to reduce the chances of defaults.

All repayments you receive from borrowers on 1 Finance P2P will be made without any tax deduction. We will provide an annual income statement for you to download from your dashboard. Your earnings will be taxable according to the income tax rules that apply to you. It is your responsibility to pay the applicable tax on the income earned.

The biggest risk of P2P lending is that a borrower may not repay the loan. At 1 Finance P2P, we reduce this risk by using a strict underwriting process carried out by an experienced team. Our team assesses over 250 factors when selecting borrowers. A loan is only disbursed once the borrower signs a legally binding loan agreement. Additionally, there is a limit on the maximum amount you can lend to a single borrower. These measures help decrease the chances of dealing with a defaulting borrower.