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Is P2P Lending The Right Investment For You?

Find out if P2P lending is right for you. Learn everything you need to know about Cube's P2P lending partner, Faircent. Understand how you can start investing in P2P by Faircent using the Cube Wealth app.
April 10, 2024

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Investing in alternative assets is one of the most effective ways to create passive income with lucrative returns for the medium term. Peer to peer lending (P2P) by Faircent gives you access to exactly that. 

This blog will help you understand whether P2P lending by Faircent can be suitable for you. We'll tell you all about the facts and figures of the investment option and how you can invest in P2P using Cube. You can consult a Cube Wealth Coach or download the Cube Wealth App.

What Is P2P Lending?

In P2P lending, a lender loans money to one or more borrowers directly without a middleman (a bank). This allows lenders to gain a higher share of the profits while helping borrowers in need.

Cube's P2P partner Faircent is one of India's oldest RBI Certified P2P NBFC. It is a P2P lending marketplace that connects high-quality borrowers directly with lenders. 

P2P lending by Faircent ensures that you lend money to thoroughly vetted borrowers who have an average CIBIL score of 768. Moreover, your P2P investment with Cube is split across borrowers to reduce risk

Who Should Invest In P2P By Faircent?

P2P lending by Faircent is ideal for investors looking to earn a stable passive income over the medium term (1 to 3 years). Furthermore, the net returns are predictable and range from 11-12%.

Explore P2P Lending Now

P2P Lending By Faircent: Details At A Glance

The Cube Wealth app gives you access to two Systematic Income Generation Plans (SIGP) with Faircent:




Minimum Investment Amount


6 months




12 months




NOTE: ₹ 50,000 minimum investment amount valid till 30th April only

Invest Now

Why Do We Love This?

P2P lending By Faircent has historically generated better returns than your average bank savings account, fixed deposit, recurring deposit, and even debt funds*.

Furthermore, Cube gives you the unique benefit of splitting your P2P investment across a basket of top-rated, creditworthy borrowers from Faircent's premium partners like: 

UNO Finance | Mobikwik | Propelld | Oxigen | 

Investment Facts

The best part? P2P by Faircent generates recurring monthly payments that can help you build wealth for the medium term. 

Invest Now

About Cube’s P2P Lending Partner

Faircent was established in 2013 and was the first RBI Certified P2P NBFC in India. It made the list of Superbrands’ prestigious 'Super Start-Ups 2017'. 

  • Loans disbursed: ₹1,000+ crore
  • Lenders: 1,50,000+

Explore P2P lending Now

How To Invest In P2P By Faircent Using Cube?

You can invest in P2P lending by Faircent using Cube Wealth in 5 simple steps:

Get The 4.5⭐rated Cube App Now

Watch this video to know more about alternative investment options in India


Q. How do I invest in Faircent?

Ans. The Cube Wealth app helps you invest in two of the best P2P lending Systematic Income Generation Plans (SIGPs) with Faircent. These plans generate a passive income and returns of up to 12%. 

Here's how you can get started:

  • Download Cube Wealth
  • Complete your KYC
  • Click on P2P by Faircent
  • Select a SIGP plan
  • Tap on invest

Invest In P2P By Faircent Now

Q. Is P2P lending regulated by RBI?

Ans. Yes, RBI regulates P2P lending in India. For example, Cube's P2P partner Faircent is one of the oldest RBI Certified P2P Lending NBFCs. Explore P2P by Faircent Now

*Individual returns may differ

Q. What are the risks associated with P2P lending?

Ans. Risks in P2P lending include the possibility of borrowers defaulting on loans, which can lead to loss of principal. There may also be liquidity issues, and P2P lending investments are not typically covered by deposit insurance. You can consult a Cube Wealth Coach or download the Cube Wealth App.

Q. Is P2P lending suitable for all investors?

Ans. P2P lending may not be suitable for conservative investors seeking guaranteed returns or those who cannot tolerate the risk of borrower defaults. It's important to assess your risk tolerance and investment goals before participating in P2P lending.


P2P lending represents an innovative and accessible way to invest and earn returns, but it's not the right choice for everyone. Whether or not P2P lending is a suitable investment for you depends on your risk tolerance, financial goals, and investment preferences.

P2P lending offers potential benefits, such as higher returns compared to traditional savings accounts or bonds, diversification, and the opportunity to generate passive income. It's a viable option for investors willing to accept some level of risk and diversify their investment portfolio.

However, P2P lending comes with risks, most notably the possibility of borrowers defaulting on loans. Investors should be prepared for the potential loss of principal and should not consider P2P lending as a risk-free investment. You can consult a Cube Wealth Coach or download the Cube Wealth App.

Other Posts You May Like:

Priya Bansal
Curious about personal finance and all things money. Can either find me reading a book or dancing to a tune.

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