P2P Directory Part 2: High-Yield & Mid-Tier

While the giants focus on mass-market personal loans, mid-tier platforms often specialize in specific borrower segments or higher-risk/higher-reward categories. These platforms are ideal for diversifying a P2P portfolio.

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5. IndiaP2P (Trickle Flood Technologies Pvt Ltd)

The Alpha in Retail P2P Returns.

Metric	Value (2026)
Average Returns	15% - 18% p.a.
NPA Rate	< 1.0% (One of the lowest in India)
Specialization	Women-led micro-entrepreneurs

Overview

IndiaP2P has emerged as a top performer by focusing on a specific, high-repayment demographic: women-led retail businesses and micro-entrepreneurs. Their data-driven approach has allowed them to deliver 15%+ returns consistently with very low default rates.

Strengths: Best-in-class risk management; monthly interest payouts; transparency in loan data. Red Flags: Smaller scale compared to LenDenClub; loan sizes are smaller, which may limit absorption of very large investments (>₹25 Lakh) quickly.

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6. i2iFunding (i2iFunding Digital Pvt Ltd)

The Granular Risk Grader.

Metric	Value (As of March 2026)
Average Returns	Up to 30% (Gross)
Total Disbursement	₹79 Crore+ (Active Portfolio)
Risk Grades	A (Low Risk) to I/X (High Risk)

Overview

i2iFunding is famous for its detailed risk-grading system. It allows investors to pick specific “buckets” of risk. Their secondary market is one of the most active, allowing lenders to sell their loan parts to other investors for early liquidity.

Strengths: Extremely high potential returns for those who understand credit risk; very detailed borrower profiles (including physical verification reports). Red Flags: High default rates in lower-grade buckets (E, F, G); requires a manual, “active” investment strategy to be successful.

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7. Finzy (Bridge Fintech Pvt Ltd)

The Premium Personal Loan Platform.

Metric	Value
Average Returns	10.5% - 12.5% p.a.
Focus	Salaried Professionals in Tier 1 Cities
Key Feature	”Finzy-Propel” - Systematic Reinvestment

Overview

Finzy targets the same segment as top private banks: high-income salaried professionals. By cutting out the bank’s margin, they offer lenders a stable double-digit return with relatively lower volatility compared to the high-yield platforms.

Strengths: Extremely smooth UI/UX; high-quality borrower profiles; low administrative overhead for lenders. Red Flags: Limited volume of high-yield loans; mostly focused on the 10-12% bracket.

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8. RupeeCircle (Fintelligence Services Pvt Ltd)

The Tech-Driven Credit Analysts.

Metric	Value
Average Returns	12% - 15% p.a.
Registered Users	300,000+
Core Tech	Proprietary Credit Scoring Model

Overview

RupeeCircle uses a mix of traditional and alternative data (social footprints, behavioral data) to score borrowers who might be rejected by traditional banks but are creditworthy.

Strengths: Balanced risk-reward ratio; simple and transparent onboarding process. Red Flags: Competition from newer “Gateway” apps has made their organic growth challenging.

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Next Part: Part 3: Specialized & Niche — Cashkumar, i-Lend, Monexo, and PaisaDukaan