HomeBlogUncategorizedHow are tech-enabled platforms redefining new-age investments?

How are tech-enabled platforms redefining new-age investments?

Investing is one way of building wealth, the other being earning through a steady and reliable source. Investing means taking a portion out of one’s savings either in one go or regularly and storing it for future needs. Besides, investing is one step ahead of saving; it helps someone earn beyond the usually limited sources of income. 

When it comes to investments, the two main forms are traditional and new-age investments. Traditional investment avenues are bank-facilitated ones like fixed deposits and recurring deposits; share-market investments, namely mutual funds, and primary and secondary assets, which are mostly opted for through the BSE and NSE; etc. New-age investment avenues, on the other hand, are part of the digital revolution and are tech-enabled. This way, they offer better returns propositions along with other benefits. 

How is P2P investment a new-age investment avenue?

P2P investment is a form of new-age investment avenue since it is part of the digitisation trend. Digital means are the most sought after by nearly everyone. They offer the convenience of online availability within few clicks’ reach. They also have competitive edges as opposed to their traditional counterparts. Ecommerce firms and P2P platforms, especially, are part of the FinTech revolution that is sweeping across the economic ecosystem. 

When talking about P2P, in particular, it is worth mentioning that P2P platforms work on an aggregator model as opposed to the mediator model of banks. Hence, since they convene potential lenders or investors, and borrowers, they offer the convenience of being tech-enabled and competitive. Hence, by investing in P2P, one can earn returns that are higher than those from banks. Borrowers, too, can opt for small ticket-sized instant loans. 

P2P platforms do ensure of on-boarding of only Credit Bureau-verified borrowers. LenDenClub is an RBI-registered non-banking financial company in the Peer-to-Peer sector (NBFC-P2P); hence, it has two checkpoints for the on-boarding process: apart from verification by Credit Bureaus, would-be borrowers are also screened over 200+ verification points. This way, LenDenClub pushes possible NPA to a margin. LenDenClub’s consistent portfolio of 10 to 12% p.a.* along along with low NPA for the past five years is the testimony to the platform’s sense of business pragmatism. 

How is FMPP® a step ahead in P2P investment?

P2P investment is highly lucrative and offers good returns. FMPP®, a Fractional Matchmaking Peer-to-Peer Plan from LenDenClub, has been designed to give Returns. It works on the hyper-diversification principle. The allocation of funds is as low as ₹1 per borrower. This way, any instance of NPA is evened out on a platform level, giving Marginalised NPA through Systematic Risk Mitigation. Therefore, with FMPP®, LenDenClub 100% investors have earned between 10 to 12% p.a. based on returns earned in Sep., Oct., and Nov. 2022.

P2P investment is non-market-linked per se. Hence, it is more considerable than mutual funds, and investments in the BSE and NSE. LenDenClub’s FMPP® investment plan also offers higher, inflation-beating, and double-digit returns than fixed deposits and recurring deposits. 

FMPP® brings hassle-free investment experience along with its worry-free working model.

How does LenDenClub offer competitive returns?

P2P lending is intrinsically free of market volatility and works on a mediator-reduced business model. As stated above, investors can invest in creditworthy borrowers through the platform, bypassing any mediator. LenDenClub, a P2P platform, provides the same facilitation service as a bank, and instead of a huge commission, it charges a minor facilitation fee. 

Since the entire process of on-boarding borrowers and allocation of funds to them is carried out by the platform, there are minimal working heads required. Having said that, there are some steps in the process in which human intervention is required. A pending eKYC application needs further, human-enabled screening. Hence, with the digital nature of the platform, LenDenClub offers competitive returns. 

What guarantee does a P2P platform give?

P2P lending is an RBI-regulated mechanism. A platform has to be duly RBI-regulated. LenDenClub is an RBI-regulated P2P Lending Platform. Adhering to an RBI mandate, it is also fully escrow-compliant; therefore, the funds are handled in escrow accounts, which are units detached from the platform. 

Banks offer principal protection and have unlimited liabilities. Nevertheless, it is worth considering that any repayments to individual investors are subject to the assets a bank can liquidate. 

P2P investment does not come with principal protection. The funds are handled by trustees in escrow accounts; there is unquestionable safety to every investment amount. LenDenClub, being India’s leader in the P2P sector, has a stringent policy of on-boarding borrowers after passing them through two checkpoints. With FMPP®, it also offers Systematic Risk Mitigation. All in all, investing with LenDenClub is a sure deal for portfolio management and wealth-building with absolute security.


Tech-enabled platforms are redefining investments. P2P investment, or FMPP® in particular, is the new-age solution for every investment need. 

*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


Watch our latest commercial with Hardik Pandya.