Why Lend

Lend personal loans online to verified
and creditworthy borrowers,
and earn high returns.

High Returns

High Returns on
Investment

Earn better returns than most traditional investment options

Cash In Hand

Fixed Monthly
Income

Create passive monthly income with regular repayments from borrowers

Statistics

Diversified
Portfolio

Lending on 5paisa loans offers an alternate investment to help you diversify your portfolio

Platform
Landscape

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10,000 +

Total Lender Registered

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₹ 100,000 +

Loan Disbursed

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12.40 %

Platform Return

 

Why lend on 5paisa?

5paisa Loans provides India’s only Lender focused platform that ensures
lending serves as an easy, transparent and a high return investment

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RBI approved NBFC

5paisa loans, is a RBI registered NBFC-P2P lending company.

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Transparent online process

Quick, easy and transparent process that offers complete control of your lending journey.

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Large Borrower base

5paisa loans is a subsidiary of 5paisa Capital Ltd and therefore has an access to a rich eco-system of credit worthy borrowers..

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Flexible Liquidity Management

Our loan tenure ranges from 6 months to 36 months and you get direct monthly repayments.

Start Lending
 

Eligibility Criteria

Facilitating convenient lending opportunities to everyone

Icon India
Indian
Resident
18+
At least 18
years old
Card Holder
PAN card
holder
ID Card
Valid Id and
Address proof
Bank Account
Valid Bank
account
Download App Now >

How to register as a lender?

Grow your money with India’s highly trusted peer to peer lending platform. Start lending personal loans in 5 minutes with a paperless process

Enter Detail
1

Enter Personal Detail

Verify Bank
2

Verify your Bank details

Add Money
3

Add money to escrow Account

Upload Doc
4

Upload Documents

Access Account
5

Access your Account

Lending process

Lending money for online is simple and easy with 5paisa Loans

Register
as Lender
Transfer funds to your escrow a/c
Select
Borrower
Loan closure
Get Monthly repayments
Documentation & Disbursal
1. Register as Lender

To begin lending, you need to first create an ‘Investor Account’ by filling in a simple online form. The registration is completely free of cost.

2. Transfer funds to your escrow account

Transferring money to escrow account is easy and safe, it enables faster and secure transaction. You can start lending as low as Rs 100 with a maximum exposure of Rs 50,000 per borrower. Your aggregate exposure to all borrowers across all P2Ps, is subject to a cap of Rs 50,00,000.

3. Select borrower of your choice

Browse through the active list of borrowers, review the detailed profile and select the borrower of your choice to start lending. Approved loan amount, interest rate and tenure are mentioned along with a detailed profile of each borrower. All borrowers are listed after a stringent credit underwriting process.

4. Disbursal of funds

Once the loan agreement is accepted by the borrower, the loan application is processed within 24 hours and the amount is disbursed to the borrower on the same day.

5. Receive monthly installments

The EMI for repayments are directly credited to your bank account. You can choose to re-invest them by adding it back to your escrow account.

6. Loan closure

Once the principal and interest repayment is complete, the loan is closed and the transaction is completed for that borrower.

Returns and Charges

Higher returns. Transparent and low fee structure.

Returns
Returns

Earn better returns than most traditional investment options.

  • Select borrower as per your risk appetite

    Independently decide how much return you want to. You can lend to borrowers starting at 12% to 36% as per your risk appetite and borrower’s creditworthiness. Your returns will be equal to the interest rate of the borrower.

  • Earn attractive returns

    You can earn returns starting from 12% to 36% per annum

  • Independent interest rate agreements

    Interest rate agreements are completely between lenders and borrowers across the platform.

  • Earn weighted average returns

    Diversify your investment and earn weighted average of the individual loan parts

Fees and Charges
Fees & Charges

Make every rupee count with our cost-effective online
personal loan lending solution

5paisa levies no charge for registering as an investor. Instead, all benefits derived from this low-cost effective model in the form of attractive returns and low transaction fees, are passed on to the investors. The only fee applicable is processing fee charged at 1.5% of the disbursed amount.

Rupee0
Registration fee
for investors
1%*
Processing fee on disbursed amount
 

Know your
borrower

Build your portfolio by selecting borrowers that meet your criteria

Borrower’s creditworthiness is evaluated on following parameters and he/she is accordingly categorized in the respective risk category.

  • CIBIL score
  • Repayment history
  • Cash flows
  • Document verification
  • Physical verification
  • Ability to pay
  • Intent to pay

Some interesting reads

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What is P2P Lending? Introduction, Features, Advantages and Benefits

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What is P2P Lending? Introduction, Features, Advantages and Benefits

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Is Peer-to-Peer lending allowed by RBI ?

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Is Peer-to-Peer Lending Allowed by RBI?

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Diversity your investment portfolio with lending

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How lending is the best option for fixed monthly income

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How lending is the new way of investing?

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Frequently Asked Questions

5paisa Loans is India's preferred lending platform that ensures premier service, transparent processes and healthy ROI for its lenders. It’s a platform that connects lenders, looking for higher returns and portfolio diversification, with verified creditworthy borrowers. 5paisa Loans provides customized loan products and alternate investment option where the borrower gets a loan at a very competitive interest rate and lender earns above average market return on the investment.

5paisa P2P is RBI certified NBFC-P2P which offers complete online and paperless process.
You get

  • Verified borrower listing
  • Creditworthy borrowers
  • Fixed monthly returns
  • Above average market returns

Start Lending in 4 simple steps

  • Register Online and create account
  • Upload required documents
  • Add money in escrow
  • Choose borrowers & start lending
More FAQ’s

Be a part of the 5paisa Loans community
now with other Lenders

Open an Account and Start lending in 5 minutes
Download App Now