Yes. P2P Lending is legal , as they are registered & regulated by the Reserve Bank of India (RBI). Only platforms registered as NBFC-P2P entities with RBI are permitted to operate.

P2P Lending involves risk because borrowers may default. However, many platforms use borrower credit assessment, collection mechanisms, diversification options, & other risk-management practices to reduce the risk. Investors should be aware of such risks.

Diversification & short tenure are key to safe investment here for a investor.

Returns vary depending on the platform, borrower profile, loan tenure, and defaults. Historically, many investors have targeted returns ranging from approximately 8.00 % - 50% annually. Some higher-risk loans may offer higher expected returns.

Yes. Like any investment linked to lending, there is a possibility of capital loss if borrowers fail to repay. P2P Lending is not guaranteed like a bank fixed deposit.

Any eligible Indian resident meeting the platform's KYC and eligibility requirements can generally register as a lender.

The minimum investment differs from platform to platform which ranges from small amount as Rs. 250/- to Rs. 50000/-. The future investments in same can be in lower amount in mutliples of Rs. 1000/-.

No. This course is designed for beginners and explains the entire process step-by-step..

This course teaches you how to evaluate borrower profiles, understand risk categories, review available information, and diversify your investments.

No. Diversification is one of the most important principles in P2P Lending. Spreading investments across multiple borrowers can help reduce risk.

No. No RBI-regulated P2P platform can guarantee returns. Returns depend on borrower repayments.

Interest & Principal repayments are generally credited according to the repayment schedule given in loan agreement through the platform's prescribed mechanism.

No. August 2024 RBI Guidelines prohibit premature withdrawals.

But if a Borrower prepays, Investor will get funds early,before maturity

Both serve different purposes. Fixed Deposits generally offer lower risk & lower returns, while P2P Lending offers the potential for higher returns but with higher risk.

No. Unlike Bank Deposits, RBI regulates the platforms but does not insure or guarantee your investments.

Yes. Interest earned through P2P Lending is taxable according to the applicable income tax provisions for your individual circumstances.(Normal Rate) 

Eligibility depends on the policies of individual platforms. Many platforms currently cater primarily to resident Indians.

Many experienced investors diversify across more than one RBI-registered platform to reduce platform-specific risk.

This course covers:

• Basics of P2P Lending
• RBI Regulations
• Risk Management
• Choosing the Right Platform
• Registration Process
• KYC Process
• Understanding Borrower Profiles
• Diversification Strategies
• Expected Returns
• Taxation Basics
• Practical Website Demonstrations
• Common Mistakes to Avoid

Safe Investing Practices     

No. The purpose of the course is to teach you the knowledge and framework to make your own informed investment decisions rather than providing personalized investment recommendations.

Absolutely. No prior knowledge of finance or investing is required.

No. It has limited access in terms of 2 months.

Yes. We will update the changes in the policies in community.

No. This course is purely educational & intended to improve financial knowledge. It does not constitute investment advice or guarantee returns.

Most online videos explain only the concept of P2P Lending. This course is based on practical experience and researched on the topic & goes beyond theory by demonstrating actual RBI-regulated P2P platforms, explaining how they operate, showing website navigation, discussing important documents and processes, outlining key risk factors, and providing practical guidance to help you evaluate opportunities with greater confidence. It is designed to save you time and reduce common beginner mistakes.