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Peer to Peer (P2P) Lending is a disruptive financial technology that connects individual lenders directly with pre-verified borrowers. By eliminating the traditional banking intermediary, P2P lending allows you to earn attractive, inflation-beating returns while providing borrowers with more accessible credit.
At VP Financial Services, we help you navigate this alternative investment space by selecting platforms that adhere to the strictest RBI guidelines and maintain robust credit-assessment models.
How It Works: The Marketplace Model
1. Selection: You choose to lend to a pool of borrowers categorized by risk profiles (Low, Medium, or High).
2. Diversification: Your investment is automatically spread across hundreds of borrowers to minimize the impact of any single default.
3. Repayment: Borrowers repay the loan via EMIs (Principal + Interest), which are credited back to your account monthly, providing a steady cash flow.
RBI Regulated: All P2P activities are governed by the NBFC-P2P Master Directions issued by the Reserve Bank of India.
Escrow Mechanism: To ensure transparency, your funds never stay with the P2P platform. They move through a Bank-Promoted Escrow Account managed by an independent trustee.
Credit Assessment: Every borrower undergoes a rigorous evaluation involving CIBIL scores, income verification, and digital footprint analysis before being listed.
T+1 Settlement: In accordance with the latest 2024 RBI Guidelines, funds are moved efficiently without unnecessary delays, ensuring your money is either invested or returned to you promptly.
Investment Limits & Guidelines
To protect investor interests, the RBI has defined specific exposure limits:
Aggregate Limit: A lender can invest a maximum of ₹50 Lakh across all P2P platforms combined.
Net-Worth Requirement: If you wish to invest more than ₹10 Lakh, you must provide a Net-Worth Certificate from a practicing Chartered Accountant certifying a minimum net worth of ₹50 Lakh.
Single Borrower Cap: To ensure diversification, the exposure of a single lender to the same borrower is capped at ₹50,000.
P2P lending is subject to credit risk. Unlike bank deposits, these investments are not guaranteed by the Deposit Insurance and Credit Guarantee Corporation (DICGC). The Reserve Bank of India does not accept any responsibility for the correctness of any statements or representations made by the NBFC-P2P platform.
VP Financial Services is a one-stop personal Financial Distribution provider for individuals, Families, HNI’s and corporate.
C/3401, Bhagwati Eleganza, Sec 11, Ghansoli, Navi Mumbai – 400 701
+91 98194 65354
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are Support to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments.
AMFI Registered Mutual Fund Distributor - ARN-49504 | Date of initial registration – 01-Jan-2024 | Current validity of ARN – 31-Dec-2026
AMFI Registered SIF Distributor - 49504 | Date of initial registration - Date of initial registration – 01-Jan-2024 | Current validity of ARN – 31-Dec-2026
AMFI Registered PMS Distributor - APRN08286 | Date of initial registration - Date of initial registration – 24-AUG2023 | Current validity of APRN - 23-AUG-2026
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