P2P lending operates through regulated online platforms that connect investors directly with borrowers. The platform manages onboarding, risk assessment, and repayments, making the process structured and transparent.

Investor Selects Lending Opportunities
Investors choose borrowers or lending portfolios based on risk profile, interest rate, and tenure offered on the P2P platform.

Funds Are Disbursed to Borrowers
Once selected, the invested amount is disbursed to borrowers through the platform under predefined terms and agreements.

Borrowers Repay with Interest
Borrowers repay the loan amount along with interest in regular instalments over the agreed tenure.

Platform Manages Operations
The P2P platform handles borrower verification, credit assessment, legal documentation, and repayment collection.

Returns Are Credited to Investors
Repayments received from borrowers are credited back to investors, generating periodic income based on lending performance.
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