P2P Lending

Access RBI-registered NBFC-P2P platforms with full clarity on how peer-to-peer lending works, its risks and its regulatory limits.

09P2P Lending

Overview

P2P Lending

Peer-to-peer (P2P) lending allows individuals to lend money to borrowers through online platforms registered with the Reserve Bank of India as NBFC-P2P. Lenders earn interest from borrowers, and the platform facilitates matching, documentation and collections.

We introduce interested lenders to RBI-registered NBFC-P2P platforms and help with onboarding. P2P lending carries credit risk, and the principal is not protected. It is not a SEBI-regulated product and is not a mutual fund.

Only RBI-registered NBFC-P2P platforms
Clear disclosure of credit and liquidity risks
Onboarding and documentation support
Information on RBI exposure limits

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What’s Included

How We Help

RBI-Regulated Platforms

Participation only through NBFC-P2P platforms registered with the RBI.

Risk Disclosure

Borrower defaults can lead to partial or full loss of the amount lent.

Exposure Limits

RBI caps aggregate lending by an individual across all P2P platforms (currently ₹50 lakh, subject to conditions).

Onboarding Help

Assistance with platform registration, KYC and lender agreements.

Diversification Awareness

Information on spreading exposure across borrowers as permitted by the platform.

Service Coordination

Support with queries routed to the platform.

Getting Started

Four Simple Steps

Connect

Call, WhatsApp or visit our Coimbatore office to discuss what you are looking for.

Get Onboarded

We help complete KYC, FATCA, nominee and bank mandate formalities — digitally.

Choose & Invest

You select schemes after reading the documents; we execute transactions accurately.

Track & Service

View holdings online and reach us for every service request along the way.

Please Note

Things to Know

P2P lending is regulated by the RBI under the NBFC-P2P Directions. It is not a SEBI-regulated product, not a mutual fund and is not covered under SEBI/AMFI grievance mechanisms.
Neither the platform nor Munnetram Capital assures the return of principal or interest. Credit risk lies with the lender.
RBI directions do not permit platforms to promise assured returns or guaranteed liquidity.
Please read the platform’s terms and the RBI regulatory framework before participating.

FAQs

Common Questions

Is P2P lending an investment product?

P2P lending is a form of lending, regulated by the RBI. It should not be viewed as a deposit or as a market-linked investment product.

Is my principal safe?

No. If borrowers default, you may lose part or all of the amount lent. There is no assurance of returns or principal.

How much can I lend through P2P?

RBI sets an aggregate exposure limit for a lender across all P2P platforms, currently ₹50 lakh, with additional conditions for amounts above ₹10 lakh.

Where do I complain about a P2P platform?

First with the platform's grievance officer; thereafter through the RBI Integrated Ombudsman Scheme, as applicable.

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