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Higher Returns From Investment

Investing, as lucrative and foresightful it may seem, may be fraught with hassles. It is not only difficult to find a balance in investing, but, at times, investments may not yield any benefits.

Given the multiplicity of factors, coupled with that of investment avenues on the market, finding the right investment solution could be painstaking. We shall begin listing the categories of investment avenues and then funnel down the list further. Finally, we shall discuss as to why FMPP®, an all-round investment solution, is the best. 

Factors to consider for investing

Saving can be a great habit in healthy financial practices; however, it can be for short-term goals, like planned purchases. Being a step ahead of saving, can be great for long-term goals. Strategically Investing, namely with healthy portfolio management or toward wealth-building, can prove to be best for long-term financial goals.

Investing every now and then, with a definite goal, and in high returns-yielding investment avenues, etc, are some factors worth taking into consideration during investing. 

Knowing every asset class and zeroing in on the ones that suit your investment needs can help you in managing your portfolio as well as wealth-building. 

Finding a balance in investments

Investment avenues come in all sorts and forms. The fact of the matter is that the higher the returns potential an investment avenue offers, the lower the probability it gives. Fixed deposits, recurring deposits, postal investment schemes, etc, offer returns that are predetermined and mutually agreed upon. Market-linked investment avenues, on the other hand, offer good returns, however, with lower ties. Hence, with traditional investment avenues, one has to slide the scale between returns and ties. 

New-age investment avenues, like P2P lending, work contrary to their traditional counterparts. P2P lending is nothing else but a debt asset class, albeit with a mediator-reduced working model. P2P investment, being part of the digital revolution, offers high returns due to its disintermediated nature. Besides, it is not subject to market volatility either. Hence, P2P investment is the new-age solution for all investment-related problems.

LenDenClub, India’s biggest P2P platform, has consistently delivered returns between 10 to 12% p.a.* since 2017. With its latest offering, i.e. FMPP®, LenDenClub is set to offer a uniform portfolio with the returns proposition.

FMPP®, the most well-balanced investment avenue

As stated above, P2P investment offers the best of all investment avenues. FMPP®, i.e. Fractional Matchmaking Peer-to-Peer Plan, an evolution in the P2P investment, offers platform-level uniformity in returns. LenDenClub has devised FMPP® as a one-point investment solution. It offers returns of up to 10 to 12% p.a.*

FMPP® uniquely works on the hyper-diversification principle: as opposed to other P2P investment plans, LenDenClub’s new algorithm for FMPP® enables allocation of funds as low as ₹1 per borrower. Consequently, any NPA is evened out on the platform level, giving Marginalised NPA to individual investors. Hence, with Systematic Risk Mitigation, LenDenClub offers inflation-beating, double-digit returns to nearly every investor on its platform.

FMPP® offers higher returns for serious investments

As a well-balanced investment avenue, FMPP® can be optimum for balancing an investment portfolio. Hence, one can add it to their portfolio for uncom stability. As a one-size-fits-all investment solution, it can be used as a standalone investment. Definitely, investment in FMPP® can be aimed at portfolio management and even for wealth-building. 

The entry-point investment amount of ₹10,000 means one can invest with convenience. The maximum limit of ₹10 lakh or ₹50 lakh with submission of a net-worth certificate along with the flexibility of starting multiple FMPP® investment plans means FMPP® is meant for serious investments. Multiple FMPP® investment plans, all differing in terms and maturities, can be helpful in longitudinal portfolio diversification. One can choose tenures of 1, 2, 3, 4, and 5 years for investments.

FMPP® incorporates new-age solutions for ever-unanswered investment needs 

What’s more lucrative than earning high returns along with unquestionable convenience? FMPP® meets both ends, i.e. convenience and high returns with stability. 

LenDenClub, the biggest player in the P2P sector in India, on-boards borrowers who are Credit Bureau-verified and screened over 200+ verification points. This way, LenDenClub passes its would-be borrowers through two checkpoints for establishing their eligibility. On the investors’ side, no manual investments are required. The process of allocation of funds is automated too. The robust AI- and ML-enabled platform works seamlessly for hyper-diversification and reinvestment of funds over the tenure to.

LenDenClub, therefore, has digitised the process completely with its FMPP® investment plan, making it a hassle-free investment solution for worry-free returns.


Higher returns on investments can be too much of a hassle: finding the right investment avenue to begin with, and earning returns over an investment period are fraught with challenges. FMPP®, a new-age investment solution due to its tech-enabled and well-balanced nature, offers hassle-free investment experience along with high returns.

*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

*On platform level.

LenDenClub is India’s largest alternate investment platform which started operations in India in 2015. We have been helping investors diversify their investments beyond traditional investment instruments ever since.



The Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Innofin Solutions Private Limited, and does not provide any assurance for repayment of the loans lent through its platform.

LenDenClub is an Intermediary under the provisions of the Information Technology Act, 2000 and virtually connects lenders and borrowers through its electronic platform via the website and/or mobile app.

The lending transaction is purely between lenders and borrowers at their own discretion, and LenDenClub does not assure loan fulfilment and/or investment returns. Also, the information provided on the platform is verified or checked on the best efforts basis without guaranteeing any accuracy of the data/information verification. Any investment decision taken by a lender on the basis of this information is at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower, fully or partially. The risk is entirely on the lender. LenDenClub will not be responsible for the full or partial loss of the principal and/or interest of lenders’ investment amounts.


*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

** Average value mentioned is the weighted average of returns received by investors

© 2023 LenDenClub by Innofin Solutions Private Limited | CIN: U74999MH2015PTC266499


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