Hyper-diversify your funds with FMPP®

Fractional Matchmaking Peer to Peer Plan (FMPP®) is designed to help
you earn maximum returns while reducing the risk significantly. FMPP® investors have earned up to 12% till date with zero principal loss.

Hardik has chosen to hyper-diversify his funds with LenDenClub’s FMPP®

With LenDenClub’s FMPP®, your funds are diversified to the lowest possible fraction. For example, if you invest ₹10,00,000, your fund could be distributed to lakhs of borrowers to reduce risk and maximize returns. So try it now!

About FMPP®

It’s a loan-matching algorithm designed to make effective matchmaking between investor/lender and borrower to achieve maximum diversification across a maximum number of loans.
  • As the name says, we take the lowest possible fraction of your investment to invest in loans as low as Re. 1 to mitigate risk.
  • You can invest up to 50 Lakhs.
  • FMPP® has given returns of upto 12% p.a. since launch

Find out how much return you can earn if invested in FMPP®

Calculate Returns

Two columns

Return Calculator

Total Interest

"{{getWooProductName}}" has been added to your cart

Your service request has been completed!

We have sent your request information to your email.
Issued on: {{ $store.getters.getIssuedOn }}
Payment method: {{ $store.getters.getPaymentType }}
{{ item.label }}: {{ item.converted }}

Return illustration considering portfolio return at 10% p.a.

Loan curation and due-diligence methodologies

How does the platform curate the best loans

Advanced Data

We collect hundreds of data points from the borrower to assess their creditworthiness

Credit Underwriting

We have advanced algorithms that thoroughly review the collected data before processing the loan request.

Robust Automation

We use machine learning and artificial intelligence to ensure robust credit check.

Some of the products

Investment options to meet your financial goals

Long term wealth creation fund


Earn monthly interest

Monthly Income

Invest small, earn big

Systematic Investment

We don’t just say, we achieve results!

FMPP® Quarterly Performance

In the last quarter, FMPP® investors have earned upto 12% p.a. since launch

You can make the best use of your funds by investing in FMPP®.


Avg Returns p.a. in December 2022

What makes FMPP® different?


Funds hyper-diversified; as low as ₹1 per borrower to mitigate risk.


We do match making between an investor and borrower to ensure you earn the best return.

AI / ML Powered

End-to-end automated processes and advanced algorithms used for investment.

What are the risks, and how do we reduce them

There's some risk

Credit Default Risk: LenDenClub Peer to Peer Lending platform puts its best efforts into sourcing the right borrowers, and do thorough underwriting, information verification, and KYC checks. However, there is still a possibility of fraud or credit default risk for the borrower. It’s part and parcel of any lending activity. Here, your investment is into loans. In a way, it’s a lending activity. Though LenDenClub’s platform’s performance is good, and it delivered good results in the past, it is vital for you to understand the risk involved in the investment. To mitigate this risk, your investment should be divided into small amounts. On the LenDenClub platform, the capital matching algorithm helps you achieve the same.

Collection Risk: If a borrower does not repay, the platform uses various channels (which follow all RBI-specified guidelines) to recover the funds and ensure you receive your funds back. This includes digital follow-ups, physical meetings with the borrower, and initiating a legal recovery process against the borrower. Based on the loan amount, outstanding amounts, and physical connectivity of the place, the platform decides on the type of collection efforts in the best possible way. Again, because your investments are divided into hundreds and thousands of loans, the effect of non-repayment by a particular borrower will be very minimal.

Some testimonials

Hear from our investors

Ready to start diversifying your funds?

Diversify your investments with LenDenClub and increase your overall portfolio value. Download the LenDenClub app to start investing!

For Android :

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.