P2P Directory Part 6: Investment Apps & Gateways — CRED Mint, MobiKwik Xtra, and BharatPe
How most Indians actually invest in P2P: through gateway apps. Understanding the partnerships between apps and RBI-licensed NBFC-P2P platforms.
P2P Directory Part 6: Investment Apps & Gateways
Most retail investors do not interact directly with NBFC-P2P platforms. Instead, they use “Gateways”—popular apps that partner with licensed P2P entities to offer a seamless investment experience.
19. CRED Mint
The Premium Gateway.
| Feature | Detail |
|---|---|
| Licensed Partner | LiquiLoans (NDX P2P) |
| Target Returns | Up to 9% p.a. |
| Eligibility | Members with CIBIL > 750 |
Overview
CRED Mint allows users to lend to other “high-trust” CRED members. Because the borrower pool is highly curated (high CIBIL scores), the default rates are traditionally lower than open-market P2P, but the returns are also lower (capped around 9%).
20. MobiKwik Xtra
The Micro-Lending Gateway.
| Feature | Detail |
|---|---|
| Licensed Partner | Lendbox (Transactree) |
| Target Returns | 12% - 13% p.a. |
| Min. Investment | ₹1,000 |
Overview
MobiKwik Xtra is designed for the masses. It offers a very high degree of diversification (your ₹10,000 might be split across 200+ borrowers) and provides daily interest accrual visibility.
21. 12% Club (BharatPe)
The Pioneer of High-Yield Gateways.
| Feature | Detail |
|---|---|
| Licensed Partner | LenDenClub & LiquiLoans |
| Target Returns | 12% p.a. |
Overview
BharatPe’s 12% Club was the first to make P2P lending famous in India. While it has faced regulatory headwinds regarding “instant liquidity,” it remains a significant channel for P2P investments in India.
22. Fello (Fello P2P)
The Gamified Gateway.
| Feature | Detail |
|---|---|
| Licensed Partner | Lendbox |
| Concept | Save + Play (Gaming rewards for investing) |
Overview
Fello combines the thrill of gaming with the utility of P2P investing. Every time you invest or save, you get “Fello tickets” to play games and win rewards, while your capital earns P2P interest.
23. INDmoney (P2P Section)
The Wealth Management Gateway.
| Feature | Detail |
|---|---|
| Licensed Partner | LiquiLoans |
| Target Returns | 9% - 11% p.a. |
Overview
INDmoney offers P2P lending as part of its “Stable Returns” bucket, alongside FDs and Bonds. It focuses on low-to-medium risk profiles.
Next Part: Part 7: Performance Analysis — NPA, AUM, and Return Comparison Table
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