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P2P Lending

This document presents information on peer-to-peer (P2P) lending. It defines P2P lending as enabling individuals to act as lenders, like banks, by lending small amounts to multiple borrowers to reduce risk. The document outlines Reserve Bank of India regulations for P2P companies, including requirements for borrower assessments, documentation, escrow accounts, and more. It also provides examples of borrower profiles reviewed on P2P platforms and average returns earned from lending at different risk levels. Finally, it notes that the presenter's company partners with two specific P2P platforms in India.

Economy & Finance◦
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PND WEALTH MANAGEMENT IMF LLP Product Presentation on P2P LENDINGP2P LENDING
What is P2P Lending? • P2P is a Peer to Peer Lending or we can say Person to Person lending. • P2P Lending enables small lender to become a lender like a Bank / NBFC
How P2P lending works?
RBI Regulations related to P2P • P2P Companies – can not raise Deposit or Lend Money on its own – undertake credit assessment and risk profiling of the borrowers and disclose the same to their prospective lenders; – undertake documentation of loan agreements and other related documents;documents; – provide assistance in disbursement and repayments of loan amount; – render services for recovery of loans originated on the platform. • Escrow Account: Fund transfer between the participants on the Peer to Peer Lending Platform shall be through escrow account mechanisms which will be operated by a trustee.
Feature of P2P lending • Feature of P2P lending:- – P2P lending is regulated by RBI. – You can lend small amount to many borrowers to reduce risk. Investment can be of Rs.10,000/- to Rs.10 lakh, out of which you can lend Rs.1000/- each to different borrowers.different borrowers. – You can see Profile of Borrowers including CIBIL ranking before lending. – You can see your dashboard with full transparency. – Earn Interest between 13% to 25%. Maximize your returns from un-conventional products.
On P2P Platform we will able to check complete profile of Borrower before funding. Loan – Case Study 1 – Low Interest Rate
We can check Cibil Score, Business & Personal Details, Credit History , Avg Qty Bank Balance, Avg Yearly Income, etc….
On P2P Platform we will able to check complete profile of Borrower before funding. Loan – Case Study 2 – Medium Risk
We can check Cibil Score, Business & Personal Details, Credit History , Avg Qty Bank Balance, Avg Yearly Income, etc….
Average ROI earned risk wise.
Net Return of Minimal Risk Category
Net Return of Low Risk Category
Net Return of Medium Risk Category
Net Return of High Risk Category
Net Return of Very High Risk Category
We are Partner of - • We are partner of two companies: • Faircent.com – Minimum 1000 to Maximum 10 Lakhs– Minimum 1000 to Maximum 10 Lakhs – Fees charges – 1.18% on Loan – Lending to Business & Salary Profiles • Monexo.co – Minimum 1 Lakh to Maximum 10 Lakhs – Fees charges – 2.95% on Loan plus Interest earned – Lending only to Salary Profile
Thank you CA Nimesh Dedhia pndwealth@gmail.com