Calculate Your EMI

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Interest Rate

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Loan Tenure

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  • Loan EMI

    ₹ 26,655

  • Total Interest Payable

    ₹ 19,856

  • Total of Payments

    ₹ 3,19,856

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Apply loans, keep track of your loan applications and manage repayments easily.

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  • Peer-To-Peer (P2P) Lending

    Peer-to-peer (P2P) lending is an empowering breakthrough in finance space to simplify the process to give and take unsecured personal loans. As per directives from Reserve Bank of India, borrowers are assessed and verified before being listed on IndiaMoneyMart platform to become eligible for loans from the registered lenders. Lenders are made aware of borrower's ability to repay the loan and past loan behavior to help them lend.

    P2P lending encourages lenders to fund each loan partially so that investments are diversified to minimize risk.

    Peer-to-peer (P2P) lending  has seen success as an alternative finance model across diverse countries, developed and developing. Aided by technology, investors appreciate it as an attractive investment avenue to compound their gains.

    Those who are new to credit or thinly banked have a platform to get loans at affordable rates and build a positive credit history. P2P lending   is an initiative to make credit accessible and affordable to enable borrowers get loans on easy terms and lenders receive good returns.

  • Benefits of Peer-To-Peer Lending (P2P) - Lender

    • Earn better than Bank Savings and Fixed Deposits

    • Lend to KYC verified borrowers assessed by robust algorithm with legal paperwork

    • End-2-End Loan Management by IndiaMoneyMart

    • The monthly EMIs can be reinvested to compound the gains

    • In-built risk hedging mechanism in place that allows lenders to fund partially

  • Benefits of Peer-To-Peer (P2P) Borrowing - Borrowers

    • Affordable interest rates for personal loans

    • Loans available to those new to credit

    • No discrimination against thinly banked users

    • Easy and digital application process

    • Transparent process, rates and charges

    • No pre-payment penalty

  • Is Peer-To-Peer Lending (P2P) Lending Safe?

    The risk associated with P2P Lending is very portfolio specific. Like all investment classes, P2P lending also is not a risk free investment, however, if the lenders follow the best practices suggested by IndiaMoneyMart, the risk can be minimized.

  • Best Practices for Peer-To-Peer (P2P) Lending?

    • Understand the P2P Lending system and the process employed by the platform

    • Understand the return you are aiming from this investment class and diversify your portfolio

    • Understand the verification checks done by the platform listing your loan

    • Assess the information shared for loan requests yourself while lending

    • Understand the loan recovery process before lending

  • Why invest in Peer-To-Peer (P2P) loans against other investment classes?

    • Unlike the stock market, it is not volatile

    • Cash flows are regular and steady

    • Allows for in-built risk diversification

    • Opportunity to re-invest which does not block the capital or returns

    • Simple product to understand against multiple technicalities required for stock market or mutual funds

Satisfied Customers

Let's hear our customers review about IMM

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  • I am a very active investor and like to experiment with different asset classes. P2P Lending has been a welcome surprise for me because I started as a skeptical lender but with time and regular repayments, my confidence in this segment has increased. I appreciate the quantum of data shared by IMM in helping me choose borrowers effectively and their customer service. I look forward to invest more here and get better returns. A word of caution though, potential lenders must choose to diversify their risks.

    Siddhartha V,Chennai

    Lender

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  • P2P Lending is a very good investment avenue for those who want to create wealth and have patience. IndiaMoneyMart’s app helps me invest without difficulty and track my EMI repayments smoothly. I recommend them for their prompt customer service and taking pains to keep lenders interests in mind.

    Ram C,Kalimpong

    Lender

Who is talking About us in Press

India's best P2P lending platform covered by various media outlets.

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