- Lender
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- Why Lend at 5paisa
- Eligibility of an Investor
- Know Your Borrower
- Borrower
- Take Loan
- Why Borrow on 5paisa
- Eligibility Criteria
- Know Your Lender
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- Upto 24% returns
- Verified Borrowers
Why lend?
Lend personal loans online to verified and creditworthy borrowers, and earn high returns.
High Returns on
Investment
Earn better returns than most traditional investment options
Fixed monthly
Income
Create passive monthly income with regular repayments from borrowers
Diversified
Portfolio
Lending on 5paisa loans offers an alternate investment to help you diversify your portfolio
Why lend on 5paisa?
5paisa Loans provides India’s only Lender focused platform that ensures lending serves as an
easy, transparent and a high return investment
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RBI approved NBFC
5paisa loans, is a RBI registered NBFC-P2P lending company.
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Transparency
Quick, easy and transparent process that offers complete control of your lending journey.
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Large Borrower base
5paisa loans is a subsidiary of 5paisa Capital Ltd and therefore has an access to a rich eco-system of credit worthy borrowers.
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Flexible Liquidity Management
Our loan tenure ranges from 6 months to 36 months and you get direct monthly repayments.
Start lending
Eligibility Criteria
Facilitating convenient lending opportunities to everyone
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Resident of
India -
At least 18
years old -
PAN card
-
Valid Id and Address proof
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Valid Bank account
Register now
How to register as a lender?
Grow your money with India’s highly trusted peer to peer lending platform. Start lending personal loans in 5 minutes with a paperless process
Lending process
Lending money for online is simple and easy with 5paisa Loans
- Register
as Lender - Transfer funds to
your escrow a/c - Select
borrower
- Loan closure
- Get Monthly
repayments - Documentation
& Disbursal
-
1. Register as Lender
To begin lending, you need to first create an ‘Investor Account’ by filling in a simple online form, along with uploading the required documents. The registration is completely free of cost.
See Also-2024 -
2. Transfer funds to your escrow account
Transferring money to escrow account is easy and safe, it enables faster and secure transaction. You can start lending as low as Rs 500 with a maximum exposure of Rs 50,000 per borrower. Your aggregate exposure to all borrowers across all P2Ps, is subject to a cap of Rs 10,00,000.
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3. Select borrower of your choice
Browse through the active list of borrowers, review the detailed profile and select the borrower of your choice to start lending. Approved loan amount, interest rate and tenure are mentioned along with a detailed profile of each borrower. All borrowers are listed after a stringent credit underwriting process.
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4. Disbursal of funds
Once the loan agreement is accepted by the borrower, the loan application is processed within 24 hours. Once approved, the loan amount is deposited in the borrower’s bank account on the same day
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5. Receive monthly installments
The EMI for repayments are directly credited to your bank account as per the schedule mentioned in the loan agreement. You can choose to re-invest them by adding it back to your escrow account
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6. Loan closure
Once the principal and interest repayment is complete, the loan is closed and the transaction is completed for that borrower
Returns and Charges
Higher returns. Transparent and low fee structure.
Returns
Earn better returns than most traditional investment options.
-
Select borrower as per your risk appetite:
Independently decide how much return you want to. You can lend to borrowers starting at 12% to 36% as per your risk appetite and borrower’s creditworthiness. Your returns will be equal to the interest rate of the borrower.
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Earn attractive returns
You can earn returns starting from 12% to 36% per annum
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Independent interest rate agreements
Interest rate agreements are completely between lenders and borrowers across the platform.
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Earn weighted average returns
Diversify your investment and earn weighted average of the individual loan parts
Fees & Charges
Make every rupee count with our cost-effective online personal loan lending solution
5paisa levies no charge for registering as an investor. Instead, all benefits derived from this low-cost effective model in the form of attractive returns and low transaction fees, are passed on to the investors. The only fee applicable is processing fee charged at 1.5% of the disbursed amount.
- 0
Registration fee
for investors - 1%*
Processing fee on
disbursed amount
Know your borrower
Build your portfolio by selecting borrowers that meet your criteria
You will be lending to individuals, both salaried and self-employed. Borrowers are listed on 5paisa only after a rigorous assessment with advanced technology.
Borrower’s creditworthiness is evaluated on following parameters and he/she is accordingly categorized in the respective risk category.
- CIBIL score
- Repayment history
- Cash flows
- Document verification
- Physical verification
- Ability to pay
- Intent to pay
Some interesting reads
Frequently Asked Questions
What is 5paisa Loans?
5paisa Loans is India's preferred lending platform that ensures premier service, transparent processes and healthy ROI for its lenders. It’s a platform that connects lenders, looking for higher returns and portfolio diversification, with verified creditworthy borrowers. 5paisa Loans provides customized loan products and alternate investment option where the borrower gets a loan at a very competitive interest rate and lender earns above average market return on the investment.
Why to lend on 5paisa P2P?
5paisa P2P is RBI certified NBFC-P2P which offers complete online and paperless process.
You get
- Verified borrower listing
- Creditworthy borrowers
- Fixed monthly returns
- Above average market returns
How to Lend on 5paisa P2P?
Start Lending in 4 simple steps
- Register Online and create account
- Upload required documents
- Add money in escrow
- Choose borrowers & start lending
More FAQ's
