Private Money Lenders for Personal Loans

ABOUT LENDENCLUB

A novel P2P lending and borrowing platform in IndiaAdd your second bullet point here

It allows individuals to get fast personal loans or become lender to earn higher interest on their investment. The platform helps lenders to multiply their money faster.

BENEFITS AT LENDENCLUB Solid Returns: Sustained high returns on investments makes P2P lending a

sought after investment option for fixed income investors. Across the world, it is used as a diversification tool by HNI’s and institutions.

Monthly Cashflow: P2P lending is the only high return instrument to fetch monthly cash flows with interest payments. Unlike other/ traditional investing instruments, cash flow is tied to maturity and starts immediately after the investment.

BENEFITS AT LENDENCLUB No Volitality: Traditional

instruments such as equity, forex, commodity etc. have high volatility inherent to them, resulting in notional or actual losses. P2P lending is unique in that it offers zero volatility with expected returns.

LENDING PROCESS 1. Register: Register on LenDenClub as a lender by providing basic KYC information and a onetime

registrations fee of Rs. 500. No other hidden charges applicable. 2. Offer Loan: Post investment, you can view pre-verified borrowers. Select the ones you want to

offer loan to, based on the interest rate and amount you want to invest. 3. Repayment: Receive monthly returns from the borrower and start growing your wealth. Lenders

also have the option of reinvesting their earnings.

RETURN EXPECTATIONS P2P lending has emerged as a lucrative investment instrument during the last

decade. TheUS and China have witnessed highest growth in P2P investments with average returns on P2P lending in the US being 7%, much higher than the 1.5% returns on fixed deposits in the US. The fact worth mentioning here is that returns on P2P loans remain 2 to 3 times over FD rates. Considering Indian fixed deposit rates of 6.5%, P2P lending returns of 15% to 20% are great for any investment portfolio.

As with all lending instruments, the returns on P2P investments carry a risk of default by the borrower. Although through our comprehensive risk hedging processes and protocols, since January 2015, LenDenClub has witnessed a total default of less than 1%. Our rigorously tested model suggests that this can go up to 3% – 3.5% in a stressed situation. These factors should be taken into consideration when building a portfolio.

THANK YOU.