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PEER TO PEER LENDING
MADE BY:
SANJAY
Agenda
 What is P2P Lending
 P2P Platforms
 Types of P2P Platforms
 Functions of P2P
Platforms
 The Process
 Advantages and
Disadvantages
 Risks factors
 P2P Platforms in India
 Challenges
 Recommendations
What is P2P Lending
 It is an emerging Internet-
based application where
individuals can directly borrow
money from each other.
 It allows people to borrow and
lend money without a financial
institution.
 So basically it is a new-age
avatar of old fashioned
borrowing retouched by the
principles of crowd lending
and technology.
P2P Platforms
 P2P lending platforms are largely
tech companies registered under
the Companies Act 1956/2013.
 They match Borrowers
with lenders.
 They act as a facilitators and
provide additional services.
Types of P2P Platforms
P2P lending platforms based on their working models:
 Application Domain
I. General platforms
II. Professional platforms
 Trading Rule
I. Auction-based platforms
II. Non auction-based platforms
 Reward Type
I. Donation-based platforms
II. Reward-based platforms
III. Equity-based platforms
IV. Lending-based platforms
FUNCTIONS OF P2P PLATFORM
ACTIVITIESCARRIEDOUTBYTHE
P2PLENDINGPLATFORMS
Verifying KYC
Assessing credit
worthiness
Digitally connecting
Investors and Borrowers
Agreements and
Documentations
Collection and Recovery
of loans
Send legal notice
REGISTER AND CREATE PROFILE UPLOAD DOCUMENTS KYC VERIFICATION
AND RISK ASSESMENT
LIST LOAN
REQUIREMENT
E-CONNECTIONLOAN DOCUMENTATION
FUNDING OF LOAN LOAN REPAYMENT(EMI) LOAN CLOSURE
Advantages
of P2P
Lending
COST
CONVENIENCE
CONSUMERCHOICE
COMFORT
DISADVANTAGES
Lender’s money is at risk
No provision in the Indian penal code
Getting a loan is not guaranteed
No common portfolio of loans
Charge various fees
Risks factors critical to any P2P
platform
 No peers or history available to rely on
 Data privacy is of utmost significance
 Appropriate documentation will be a constant challenge
 Regular functioning of the platform
P2P PLATFORMS IN INDIA
 Fairassets technologies India
Pvt Ltd
 OHMY Technologies Private
Limited
 BigWin Infotech Pvt Ltd
 Lend Box
 I-lend
CHALLENGES
 Creating awareness
 People’s mind-set
 Finding credit worthy borrowers
 Mitigate risk
 Ensuring timely repayments
RECOMMENDATIONS
 Repayments should be either half yearly or yearly.
 Common portfolio of loans
 A high end security systems and proper encryption techniques
 KYC checks should be carried out robustly
 Provision in the IPC governing
Peer to peer lending

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Peer to peer lending

  • 1. PEER TO PEER LENDING MADE BY: SANJAY
  • 2. Agenda  What is P2P Lending  P2P Platforms  Types of P2P Platforms  Functions of P2P Platforms  The Process  Advantages and Disadvantages  Risks factors  P2P Platforms in India  Challenges  Recommendations
  • 3. What is P2P Lending  It is an emerging Internet- based application where individuals can directly borrow money from each other.  It allows people to borrow and lend money without a financial institution.  So basically it is a new-age avatar of old fashioned borrowing retouched by the principles of crowd lending and technology.
  • 4. P2P Platforms  P2P lending platforms are largely tech companies registered under the Companies Act 1956/2013.  They match Borrowers with lenders.  They act as a facilitators and provide additional services.
  • 5. Types of P2P Platforms P2P lending platforms based on their working models:  Application Domain I. General platforms II. Professional platforms  Trading Rule I. Auction-based platforms II. Non auction-based platforms  Reward Type I. Donation-based platforms II. Reward-based platforms III. Equity-based platforms IV. Lending-based platforms
  • 6. FUNCTIONS OF P2P PLATFORM ACTIVITIESCARRIEDOUTBYTHE P2PLENDINGPLATFORMS Verifying KYC Assessing credit worthiness Digitally connecting Investors and Borrowers Agreements and Documentations Collection and Recovery of loans Send legal notice
  • 7. REGISTER AND CREATE PROFILE UPLOAD DOCUMENTS KYC VERIFICATION AND RISK ASSESMENT LIST LOAN REQUIREMENT E-CONNECTIONLOAN DOCUMENTATION FUNDING OF LOAN LOAN REPAYMENT(EMI) LOAN CLOSURE
  • 9. DISADVANTAGES Lender’s money is at risk No provision in the Indian penal code Getting a loan is not guaranteed No common portfolio of loans Charge various fees
  • 10. Risks factors critical to any P2P platform  No peers or history available to rely on  Data privacy is of utmost significance  Appropriate documentation will be a constant challenge  Regular functioning of the platform
  • 11. P2P PLATFORMS IN INDIA  Fairassets technologies India Pvt Ltd  OHMY Technologies Private Limited  BigWin Infotech Pvt Ltd  Lend Box  I-lend
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  • 15. CHALLENGES  Creating awareness  People’s mind-set  Finding credit worthy borrowers  Mitigate risk  Ensuring timely repayments
  • 16. RECOMMENDATIONS  Repayments should be either half yearly or yearly.  Common portfolio of loans  A high end security systems and proper encryption techniques  KYC checks should be carried out robustly  Provision in the IPC governing