Identity & Compliance
Every borrower's identity is verified end-to-end before they ever reach your portfolio.
Lend to prime borrowers in minutes. Earn up to 16% p.a. XIRR every month.
9000+Active users
₹50 lacsLoan assessed
Curious how some people earn while others keep paying?
Explainer: How P2P lending works.
How BQS puts the right borrowers in front of you.
A credit score tells you where a borrower has been. BQS tells you where they are headed — across 5 pillars and 250+ data points, every single time.
Borrower quality score
Identity & Compliance
Every borrower's identity is verified end-to-end before they ever reach your portfolio.
Credit History
We look beyond CIBIL: repayment patterns, active loans, and delinquency history all count.
Income & Cashflow
We check if income is stable and consistent, not just what the borrower claims to earn.
Repayment Capacity
We calculate the exact buffer left after all existing EMIs before approving a single borrower.
Stability & Behaviour
We evaluate job tenure, industry risk, behaviour, and application patterns before a borrower reaches you.
Want to understand how we evaluate borrowers in detail?
Don’t just pay EMI’s, earn them via 1 Finance P2P
Don’t just pay EMI’s, earn them via 1 Finance P2P Lending.
This is what your money earns through us.
Living in India
At least 18 years old
Indian Bank account
Every borrower is screened. Twice.
250+ data points. Credit, income, behaviour, intent. Only the best make it through.
Earn up to 16% p.a. XIRR
Your money comes back every month with interest. Reinvest it. Let compounding do the rest.
When markets fall, your income doesn't.
Equity and gold may fluctuate. Diversified lending helps reduce risk across multiple borrowers and support steadier monthly cash flows.
Reliable income. Month after month. Without fail.
Diversified borrower exposure helps create regular monthly cashflows, with risks kept transparent.
Get Started
Curious where P2P lending sits in your financial journey? Let's talk.
Superior customer support
No spam
prompt availability
Risk diversification working in your favour.
Every rupee you lend is distributed across multiple screened borrowers. No single borrower ever holds more than 5% of your capital. Your portfolio stays balanced. Your returns stay on track.
Want to understand risk diversification better?
We value your data and privacy
The asset class 3.5 crore Indians have already discovered.
14.8%
Annual industry growth rate. India's fastest growing asset classes.
30+
RBI-registered NBFC-P2P platforms officially recognised and overseen by RBI since 2017.
$10.5b
Projected market size by 2026
Got any more questions?
Here’s a list of a few common questions that might help. If you have any other questions, you can call, email or text us on Whatsapp.
Peer-to-peer (P2P) lending connects borrowers and lenders directly. It allows borrowers to get loans quickly and lets lenders earn money on their returns. This is all done through a safe and regulated online platform. Lenders can choose whom to lend to, helping them diversify their portfolios.
Yes, P2P lending is regulated by the Reserve Bank of India (RBI). Since P2P platforms engage in lending and borrowing, the RBI mandates that they be registered as P2P non-banking financial companies (NBFCs).
1 Finance P2P is a Reserve Bank of India (RBI) registered NBFC-P2P with a simple vision: to make credit more accessible and lending more rewarding. We select high-quality borrowers and offer lenders returns of up to 16%. For borrowers, we provide loans at the best rates in the industry.
Yes, 1 Finance P2P is officially registered as an NBFC-P2P with the RBI. It ensures we offer a safe and regulated platform for peer-to-peer lending and borrowing throughout India.
Anyone who is a resident of India, has an Indian bank account, and is at least 18 years old can become a lender at 1 Finance P2P.
1 Finance P2P lending helps you to diversify your debt portfolio with high-return, low-risk instruments. By lending to creditworthy borrowers, you can achieve annual returns of up to 16%, which is significantly higher than the rates offered by traditional banks on fixed deposits and savings accounts. Since we thoroughly screen our borrowers, the risk of defaults is minimal.
If a borrower defaults, P2P lending platforms take steps to recover the loan, such as sending reminders, charging late fees, and reporting to credit bureaus. In severe cases, legal action may be taken; however, the lender ultimately incurs the financial loss.
At 1 Finance P2P, we safeguard your money by diversifying your funds across multiple borrowers. Our policy limits lending to 5% of your total return per individual, minimising risk. Additionally, we have a stringent credit underwriting process that evaluates over 250 parameters before approving loans. It ensures you lend only to high-quality, creditworthy borrowers, reducing your risk of default.
To borrow from 1 Finance P2P, you need to be at least 18 years old and upto 60 years old to have a valid bank account. KYC documents are also required to apply for a loan on P2P lending platforms. The total borrowing limit across all platforms is capped at ₹10 lakh at any given time.
You can apply for a maximum online loan of up to ₹3 lakh from 1 Finance P2P. The minimum amount you can borrow is ₹10,000. Remember that you can apply for a loan up to ₹10 lakh across all P2P lending platforms at any point in time.
Borrowers will be charged an interest rate based on their risk profile. The interest rate will range from 10% to 24%.
A borrower can avail a loan for up to 24 months. The actual tenure depends on the loan amount and the credit profile. However, as per RBI guidelines, the maximum tenure for a P2P loan cannot exceed 36 months.
At 1 Finance P2P, we believe in 100% transparency. While there is a nominal processing fee for borrowers to cover administrative and credit assessment costs, there are no hidden charges. All fees, interest rates, and repayment terms are clearly disclosed upfront before you finalise your loan or return, ensuring you stay in complete control of your finances.
email us
care@1financep2p.comNeed help?
Here’s a list of a few common questions that might help. If you have any other questions, you can call, email or text us on Whatsapp.
What is peer-to-peer lending?
Peer-to-peer (P2P) lending connects borrowers and lenders directly. It allows borrowers to get loans quickly and lets lenders earn money on their returns. This is all done through a safe and regulated online platform. Lenders can choose whom to lend to, helping them diversify their portfolios.
Is P2P lending regulated in India?
Yes, P2P lending is regulated by the Reserve Bank of India (RBI). Since P2P platforms engage in lending and borrowing, the RBI mandates that they be registered as P2P non-banking financial companies (NBFCs).
What is 1 Finance P2P?
1 Finance P2P is a Reserve Bank of India (RBI) registered NBFC-P2P with a simple vision: to make credit more accessible and lending more rewarding. We select high-quality borrowers and offer lenders returns of up to 16%. For borrowers, we provide loans at the best rates in the industry.
Is 1 Finance P2P regulated by the RBI?
Yes, 1 Finance P2P is officially registered as an NBFC-P2P with the RBI. It ensures we offer a safe and regulated platform for peer-to-peer lending and borrowing throughout India.
Who can lend money through 1 Finance P2P?
Anyone who is a resident of India, has an Indian bank account, and is at least 18 years old can become a lender at 1 Finance P2P.
Why should you consider 1 Finance P2P lending?
1 Finance P2P lending helps you to diversify your debt portfolio with high-return, low-risk instruments. By lending to creditworthy borrowers, you can achieve annual returns of up to 16%, which is significantly higher than the rates offered by traditional banks on fixed deposits and savings accounts. Since we thoroughly screen our borrowers, the risk of defaults is minimal.
What happens to a lender's money if a borrower defaults on a P2P loan?
If a borrower defaults, P2P lending platforms take steps to recover the loan, such as sending reminders, charging late fees, and reporting to credit bureaus. In severe cases, legal action may be taken; however, the lender ultimately incurs the financial loss.
At 1 Finance P2P, we safeguard your money by diversifying your funds across multiple borrowers. Our policy limits lending to 5% of your total return per individual, minimising risk. Additionally, we have a stringent credit underwriting process that evaluates over 250 parameters before approving loans. It ensures you lend only to high-quality, creditworthy borrowers, reducing your risk of default.
Who can take a personal loan through 1 Finance P2P?
To borrow from 1 Finance P2P, you need to be at least 18 years old and upto 60 years old to have a valid bank account. KYC documents are also required to apply for a loan on P2P lending platforms. The total borrowing limit across all platforms is capped at ₹10 lakh at any given time.
What is the maximum loan amount you can borrow from 1 Finance P2P?
You can apply for a maximum online loan of up to ₹3 lakh from 1 Finance P2P. The minimum amount you can borrow is ₹10,000. Remember that you can apply for a loan up to ₹10 lakh across all P2P lending platforms at any point in time.
What is the online personal loan interest rate at 1 Finance P2P?
Borrowers will be charged an interest rate based on their risk profile. The interest rate will range from 10% to 24%.
What is the maximum tenure for a personal loan on 1 Finance P2P?
A borrower can avail a loan for up to 24 months. The actual tenure depends on the loan amount and the credit profile. However, as per RBI guidelines, the maximum tenure for a P2P loan cannot exceed 36 months.
Are there any hidden charges or processing fees?
At 1 Finance P2P, we believe in 100% transparency. While there is a nominal processing fee for borrowers to cover administrative and credit assessment costs, there are no hidden charges. All fees, interest rates, and repayment terms are clearly disclosed upfront before you finalise your loan or return, ensuring you stay in complete control of your finances.
email us
care@1financep2p.comFor quick response to all your queries, reach out to us on WhatsApp.