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How To Invest In P2P Options In India?

Find out how you can invest in the best P2P options in India.
December 8, 2020

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A Peer to peer lending or P2P lending platform brings borrowers and lenders together. Unlike conventional lending, there is no intermediary involved.  

This means that people who want a loan can directly get one from a single lender or a group of lenders. Usually, the loan interest rates for borrowers are lower than banks. 

Lenders earn a better than average interest rate on their investment as well, making it a win-win. P2P lending can be a great way to generate passive income because of the recurring monthly interest.

Ways To Invest In P2P Lending In India

The best way to invest in P2P lending in India is with an RBI Certified P2P NBFCs like LiquiLoans or Faircent via the Cube Wealth app

These are two brands that have been shortlisted from the hundreds of P2P platforms. LiquiLoans and Faircent thoroughly vet borrowers to ensure that you lend only to creditworthy individuals. 

You get to choose the scheme based on returns offered and the minimum holding period of these investments. Cube helps you minimize the risk by recommending the best P2P investment schemes and also helps you diversify your investments.

Steps to invest in P2P lending in India:

  1. Download the Cube Wealth app
  2. Complete the paperless KYC process
  3. Explore P2P lending options
  4. Speak to a wealth coach
  5. Select a scheme
  6. Invest

5 Tips For Investing In P2P Lending

1. Speak To A Wealth Coach

P2P lending is a nascent investment option that is gaining huge popularity in India. A wealth coach can help you understand if you should invest with LiquiLoans or Faircent. 

Cube's wealth coaches recommend options based on your investment goals, risk appetite, and other such parameters.  

2. It's never too late to get started

P2P may become a $5 billion industry by 2023 according to several reports. Once you’ve spoken to a wealth coach and weighed the risks, you can start investing or you can download the Cube Wealth app and explore curated options.

3. Diversify

Just like any other investment, P2P lending has some risks. The best way to minimize risk is to diversify your investment. Cube helps you do so by splitting your investment across lenders. This helps make things even safer.

4. Park surplus cash

P2P lending can give you better returns than a bank savings account or a Fixed Deposit. So instead of letting your money rot in a bank savings account, you can use it to invest for better returns and higher liquidity. Speak to a wealth coach to know more.

5. Re-invest

P2P lending can be a passive income generating option. You can use the interest that your investment earns to pay for small indulgences like a fancy dinner or your Amazon subscription. 

However, re-investing your returns has its advantages. The magic of compounding can help your wealth grow. Email a Cube Wealth coach to know more.   

The Best Way To Invest In P2P Lending In India

You can easily invest in P2P Lending using the Cube Wealth app. It gives you access to two of the best RBI Certified P2P NBFCs, LiquiLoans and Faircent.

LiquiLoans is a P2P lending platform that provides zero-cost EMI subvention loans to top-end individuals with a high credit rating through merchants like Dr. Batra, Mahesh Tutorials, and others. 

Faircent is a technology backed P2P lending platform that connects lenders and borrowers. They are the first Indian P2P lending platform to receive an NBFC-P2P from the Reserve Bank of India (RBI). 

Speak to a wealth coach or download the Cube Wealth app today to get started with P2P investments. 

Here's an in-app investment guide for LiquiLoans

Shriram Shekhar
Shriram is a Consultant at CubeWealth. He has developed cutting edge IT products for over 2 years before turning to his passion for the written word. His love for philosophy, developing products, and empowering people through quality content is what got him to CubeWealth.

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