How 1 Finance P2P actively helps the clients
Reduces Concentration Risk
Keep your risk in check by lending no more than 5% to any single borrower. You can lend up to ₹50,000 per borrower
Reduces Credit Risk
Borrowers with lowest income obligations and a lot of disposable incomes.
Reduces Liquidity Risk
Borrowers with lowest income obligations and a lot of disposable incomes.
Living in India
At least 18 years old
Indian Bank account
Mandatory registration requirements *
Just some basic info about you.
Just some basic info about you.
To start lending money.
Its a 2 min process.
Just some basic info about you.
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?
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
Free
Registration
1%
Fees and chargesFees & Charges are clearly disclosed by the platform for services including borrower evaluation, transaction management, and ongoing support, ensuring a smooth and transparent lending experience.
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
Every borrower's identity is verified end-to-end before they ever reach your portfolio.
We look beyond CIBIL: repayment patterns, active loans, and delinquency history all count.
We check if income is stable and consistent, not just what the borrower claims to earn.
We calculate the exact buffer left after all existing EMIs before approving a single borrower.
We evaluate job tenure, industry risk, behaviour, and application patterns before a borrower reaches you.
Want to understand how we evaluate borrowers in detail?
Returns Calculator
Earnings
₹8,877
Earnings with reinvestment
₹17,227
You can track your portfolio through the 1 Finance P2P website. All you need to do is log in and go to your profile to track.
You can track your portfolio through the 1 Finance P2P website. All you need to do is log in and go to your profile to track.
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.
Yes. P2P lending is legal in India. The platform you use to lend money must be registered with the Reserve Bank of India (RBI) as an NBFC-P2P. Remember that P2P platforms must share clear details about the borrowers and their loan performance with their lenders.
The amount you can lend on any P2P platform depends on its specific rules. For example, at 1 Finance, the maximum you can lend to a single borrower is ₹50,000, with a limit of 5% of your total lending to any single borrower. It reduces lenders' risk by spreading their investments across multiple borrowers.
No. To ensure secure, fast, and smooth transactions, 1 Finance P2P uses a lender's escrow account managed by RBI-regulated trustee for all fund transfers.
According to RBI, a lender's total exposure to all borrowers across all P2P platforms may not exceed ₹50 lakh at any time. If your lending exceeds ₹10 lakh, you need to obtain a Net Worth certificate from a Chartered Accountant that verifies your net worth is at least ₹50 lakh.
No, you cannot withdraw my loan principal before the loan tenure ends on a P2P platform. However, you can choose how much money you want to lend to a borrower, as well as the repayment schedule they follow. The maximum amount you can lend to any one borrower is limited to 5% of that borrower's total loan amount. As they make repayments, you will receive monthly payments as a lender with 1 Finance P2P.
At 1 Finance, we carefully screen borrowers by reviewing their financial details, history, and over 250 parameters. It is crucial to remember that P2P lending is not the same as a bank deposit—it is not insured, and there is always a risk that a borrower might not repay the loan. This means that your potential returns are not guaranteed. We do our best to recover the money you lend in the event of a default.
Before you lend through 1 Finance P2P, please read our terms and conditions carefully to understand all the risks involved.
At 1 Finance P2P, lending includes built-in diversification. You can lend at least 1% and up to 5% of what a borrower needs, but no more than that. This way, your money is spread across multiple borrowers rather than concentrated in a single borrower. If one person defaults, it won't affect all of your funds. This strategy helps reduce the risk of your lending portfolio.
No, the earnings from P2P lending are not guaranteed. There is always a risk that a borrower might not repay their loan. At 1 Finance P2P, we mitigate this risk by conducting thorough checks on all potential borrowers, using more than 250 different parameters. Lending only to reliable borrowers is the best way to reduce the chances of defaults.
All repayments you receive from borrowers on 1 Finance P2P will be made without any tax deduction. We will provide an annual income statement for you to download from your dashboard. Your earnings will be taxable according to the income tax rules that apply to you. It is your responsibility to pay the applicable tax on the income earned.
The biggest risk of P2P lending is that a borrower may not repay the loan. At 1 Finance P2P, we reduce this risk by using a strict underwriting process carried out by an experienced team. Our team assesses over 250 factors when selecting borrowers. A loan is only disbursed once the borrower signs a legally binding loan agreement. Additionally, there is a limit on the maximum amount you can lend to a single borrower. These measures help decrease the chances of dealing with a defaulting borrower.
email us
care@1financep2p.comHere’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.
Yes. P2P lending is legal in India. The platform you use to lend money must be registered with the Reserve Bank of India (RBI) as an NBFC-P2P. Remember that P2P platforms must share clear details about the borrowers and their loan performance with their lenders.
The amount you can lend on any P2P platform depends on its specific rules. For example, at 1 Finance, the maximum you can lend to a single borrower is ₹50,000, with a limit of 5% of your total lending to any single borrower. It reduces lenders' risk by spreading their investments across multiple borrowers.
No. To ensure secure, fast, and smooth transactions, 1 Finance P2P uses a lender's escrow account managed by RBI-regulated trustee for all fund transfers.
According to RBI, a lender's total exposure to all borrowers across all P2P platforms may not exceed ₹50 lakh at any time. If your lending exceeds ₹10 lakh, you need to obtain a Net Worth certificate from a Chartered Accountant that verifies your net worth is at least ₹50 lakh.
No, you cannot withdraw my loan principal before the loan tenure ends on a P2P platform. However, you can choose how much money you want to lend to a borrower, as well as the repayment schedule they follow. The maximum amount you can lend to any one borrower is limited to 5% of that borrower's total loan amount. As they make repayments, you will receive monthly payments as a lender with 1 Finance P2P.
At 1 Finance, we carefully screen borrowers by reviewing their financial details, history, and over 250 parameters. It is crucial to remember that P2P lending is not the same as a bank deposit—it is not insured, and there is always a risk that a borrower might not repay the loan. This means that your potential returns are not guaranteed. We do our best to recover the money you lend in the event of a default.
Before you lend through 1 Finance P2P, please read our terms and conditions carefully to understand all the risks involved.
At 1 Finance P2P, lending includes built-in diversification. You can lend at least 1% and up to 5% of what a borrower needs, but no more than that. This way, your money is spread across multiple borrowers rather than concentrated in a single borrower. If one person defaults, it won't affect all of your funds. This strategy helps reduce the risk of your lending portfolio.
No, the earnings from P2P lending are not guaranteed. There is always a risk that a borrower might not repay their loan. At 1 Finance P2P, we mitigate this risk by conducting thorough checks on all potential borrowers, using more than 250 different parameters. Lending only to reliable borrowers is the best way to reduce the chances of defaults.
All repayments you receive from borrowers on 1 Finance P2P will be made without any tax deduction. We will provide an annual income statement for you to download from your dashboard. Your earnings will be taxable according to the income tax rules that apply to you. It is your responsibility to pay the applicable tax on the income earned.
The biggest risk of P2P lending is that a borrower may not repay the loan. At 1 Finance P2P, we reduce this risk by using a strict underwriting process carried out by an experienced team. Our team assesses over 250 factors when selecting borrowers. A loan is only disbursed once the borrower signs a legally binding loan agreement. Additionally, there is a limit on the maximum amount you can lend to a single borrower. These measures help decrease the chances of dealing with a defaulting borrower.
email us
care@1financep2p.comFor quick response to all your queries, reach out to us on WhatsApp.
