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Peer To Peer Lending

Peer-to-peer lending, also known as P2P Lending, is the new way of lending money to individuals or businesses through online platforms that match lenders with borrowers. Such platforms provide easy solutions to borrow money by connecting borrowers with lenders. In India, it is a very normal process to take short-term loans from friends or relatives. However, to bring this under the regulatory ambit and implement it on a larger scale, RBI has given licenses to P2P Lending Platforms. These platforms fill the gap left by banks, as banks do not give loans to everyone. The maximum limit for investment by a single investor is 50 lakhs. However, limit for the borrower to take loan from an individual lender is Rs. 50000.

How P2P Lending Platforms Work: 

Transfer of money takes place through an online automated process. Loan amount is transferred from the Lenders account to an Escrow Account managed by the platform provider, and then from Escrow Account to the borrower’s bank account. All repayments— EMI and pre-closure —happen online via Electronic Money Transfer from borrowers account to Platform’s Escrow account, from where the funds are transferred to individual lender’s bank accounts..


A person should be a resident of India.The person should also have a valid bank account and PAN number.


This product is suitable for the clients who are looking for higher returns in the Short to Medium term and have moderate to high risk appetite.


The interest income earned from P2P loans must be added in total income under other income category while filing tax returns. The tax has to be paid according to the slab the lender would fall under. Currently, a lender cannot classify the P2P earnings as capital gains/loss.

Liquiloans P2P Lending Loans - Investment Process -


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Fairassets Technologies India Pvt. Ltd.

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