The Ultimate Directory of P2P Lending Platforms in India (2026)
A comprehensive 8-part series exploring all 50+ P2P lending platforms, license holders, and investment gateways active in India. Verified returns, NPA data, and AUM rankings.
The Ultimate Directory of P2P Lending Platforms in India (2026)
Welcome to the most comprehensive reference guide for Peer-to-Peer (P2P) lending in India. As of May 2026, the P2P landscape has evolved from a niche fintech experiment into a multi-billion dollar alternative credit ecosystem regulated strictly by the Reserve Bank of India (RBI).
This directory lists over 50 platforms, including official NBFC-P2P license holders, major investment gateways, and specialized niche lenders. We have sorted and categorized them based on their Assets Under Management (AUM), historical performance, and regulatory status.
📚 Directory Navigation
| Part | Focus | Key Platforms Covered |
|---|---|---|
| Part 1: The Industry Giants | Market Leaders | LenDenClub, LiquiLoans, Faircent, Lendbox |
| Part 2: High-Yield & Mid-Tier | 12-18% Yields | IndiaP2P, i2iFunding, Finzy, RupeeCircle |
| Part 3: Specialized & Niche | Business & Micro-loans | Cashkumar, i-Lend, Monexo, PaisaDukaan |
| Part 4: Social Impact Lending | Purpose-Driven | Rang De, Kiva Partners |
| Part 5: The New Entrants (2025-26) | Recent Licensees | 1 Finance P2P, 5Paisa P2P |
| Part 6: Investment Gateways | Apps & Aggregators | CRED Mint, MobiKwik Xtra, BharatPe 12% Club |
| Part 7: Performance Analysis | The Numbers | NPA Comparison, AUM Rankings, Return Tiers |
| Part 8: The Master List (50+ Platforms) | Complete Directory | Full A-Z Registry of all Indian P2P Entities |
🔍 Why This Directory Exists
P2P lending in India is a “buyer beware” market. While platforms are regulated, your capital is at risk. This series aims to:
- Verify Legitimacy: Distinguish between RBI-licensed entities and unregulated “loan apps.”
- Benchmark Performance: Compare Non-Performing Asset (NPA) rates across platforms.
- Audit Scale: Show which platforms have the “skin in the game” with large AUMs.
- Educate on Nuance: Explain the difference between manual lending and automated “FMPP” style plans.
⚠️ Mandatory Disclaimer
Peer-to-Peer lending is an unregulated-return investment. Unlike bank deposits, your principal is NOT insured by DICGC. RBI registration of a platform does not guarantee repayment of the loan. Always diversify across hundreds of borrowers to mitigate risk.
Next Part: Part 1: The Giants — LenDenClub, LiquiLoans, Faircent, and Lendbox
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