P2p Lending

RBI mulls allowing P2P firms to diversify risks by entering secured lending

There has been exponential growth in P2P lending in recent years

P2P lending: What's that?

Is it a liquid fund? Is it a fixed deposit? Is it a collective investment scheme?

Why the P2P lending segment is staging a strong comeback after a lull

Initiatives to make returns more attractive and spread risks in order to keep the default rate low for individual lenders have spurred interest in this segment once again

Decoded: Should you try peer-to-peer lending to maximise your returns?

Looking for investment options for high returns? P2P lending could get you 9-12% interest rate? Appealing, right? But there are some riders. Let's understand all about peer-to-peer lending.

P2P lending is for those with a high risk appetite, say analysts

Limit lending amount and diversify among borrowers

Covid-19: Post paycuts, young salaried look up to P2P platforms for loans

With no upper limit, the interest rates in the platform can go as high as 35 per cent, on a reducing balance

P2P lending is for risk-takers, market poised to grow at 19% annually

It is a good opportunity for HNIs as returns can be extremely attractive

P2P lending achieves 10-fold growth with returns as high as 25% in 1 year

Some of the players in the sectors are themselves wary of this unregulated interest rate regime

RBI caps lending on P2P platforms at Rs 50 lakh to shield consumer interest

The lender investing more than Rs 10 lakh across P2P platforms will produce a certificate to P2P platforms from a practising Chartered Accountant certifying minimum net-worth of Rs 50 lakh

RBI raises P2P lending limit five-fold, cap on single-party exposure stays

Apex bank also does away with requirement of escrow accounts run by a bank-promoted trustee for transfer of funds

Top 5 biz headlines: Repo rate unchanged, P2P lending limit raised & more

From RBI's surprise on repo rate to the Reserve Bank raising the lending limit of Peer-To-Peer platforms five-fold, Business Standard brings you the top headlines of the day

P2P firms seek RBI relaxation on lending limit

At present, borrowing from the P2P platform by a single entity is also limited to Rs 10 lakh. Most micro and small enterprises have loan requirement between Rs 5-25 lakh

P2P lending firms to get a leg up with easing of investment cap

RBI is mulling allowing individual investors to raise their exposure to P2P lending start-ups to Rs 25 lakh as against Rs 10 lakh at present

Lending on peer-to-peer platforms is fraught with higher risks

Investors can earn as much as 12-36 per cent, but limiting the amount to each borrower will help contain losses

P2P players blame lending limit for rising costs

Industry players want the RBI to raise the lending limit for individual borrowers and remove it for institutional lenders

P2P platforms look for biz model restructuring to comply with RBI norms

Rs 10 lakh cap on lending is restrictive, say players

P2P lending platforms to get transparent, safer

With these platforms getting access to credit bureaus, small borrowers, who find it difficult to get loans from banks, can use them to build a credit profile

Lending on P2P platforms is risky

Possibility of 16-22% annual returns is attractive but analysts suggest caution till norms are put in place

P2P lending on growth trajectory ahead of RBI guidelines

The industry is expecting RBI to create separate category of NBFCs for P2P lending on the lines of NBFC MFIs

RBI likely to agree on nodal agency

Final guidelines expected soon; P2P players may also get access to credit bureau data