Best Peer to Peer Lending India | P2P Lending India

Why Lend Through Monexo

Monexo brings to you Peer to Peer (P2P) lending - a new asset class for investing.

ATTRACTIVE RETURNS

Grow your savings with interest rates between 13 to 30% p.a.

DIVERSIFIED PORTFOLIO

Fund as little as Rs.1,000 on each loan and build a portfolio.

MONTHLY INCOME PLAN

Enjoy systematic, monthly interest payouts - direct to your bank account

INCREASED LIQUIDITY

Receive monthly repayments of principal and interest.

COMPOUND YOUR EARNINGS

Reinvest your monthly repayments from borrowers.

QUICK AND EASY LENDING

Pick a loan to fund or lend automatically through our 'auto-invest' feature.

We are the first P2P lending platform in India to provide our investors with Escrow account, auto invest and insurance cover with 'job loss' protection.

How Lending Works at Monexo

Lending at Monexo marketplace is simple.

1

Apply

Create your online account.

2

Transfer Funds

Send money to third party Administrative Account.

3

Fund a Loan

Choose from screened borrowers with different risk ratings.

4

Earn

Receive monthly repayments of principal and interest.

As a investor, you can earn great returns by funding loans listed at Monexo. The first step towards that is to complete the online application process which will take only a few minutes. Once you are approved as a lender, transfer a minimum of Rs 1 lac to the third party escrow account managed by IDBI Trusteeship Services Limited (ITSL) to start lending on the platform. You can browse loans in the marketplace and decide which loans to fund based on your risk-return criteria and target portfolio. You have the option to either fund loans manually or use the Auto-Invest feature where loans are funded automatically based on the lending criteria you have set. Once a loan is disbursed, you start receiving monthly repayments into your escrow account from the borrowers.

How Monexo Minimizes Your Risk

Every financial decision comes with risks. At Monexo, we take various measures to enable you to make good lending choices to maximize your returns.

BORROWER SCREENING

All our borrowers are from India. We collect essential documents to verify their background and assess their credit quality to determine an interest rate appropriate to their probability of repayment.

ESCROW ACCOUNT

We are the first and only P2P company in India to partner and hold your funds in escrow account. Our partner, IDBI Trusteeship Services Limited is our third party administrator. Monexo passes your instructions to them to execute your lending transactions and does not have access to your funds or make any transactions on your behalf.

ACCOUNTABILITY

Monexo's fee model is 'success based' - We earn only when YOU earn. We realise earnings only when we collect regular, monthly repayments for you. As a result, we work in your best interest always & our processes are built to deliver steady, consistent returns for you.

COLLECTION

In case of late payment from borrowers, we will proactively initiate collection process on your behalf. Our certified collection partner will be deployed at the appropriate stage to collect the overdue amount for a fee.

Who can be a Lender?

INDIVIDUALS

All legitimate citizens of India, with a valid PAN card and other documents requested by authorities from time to time can be lenders.

LEND NOW

INSTITUTIONS

Companies incorporated in India(excluding not for profit companies, registered or unregistered trust or partnership firm) Banks or Financial Institutions registered in India.

LEND NOW