Better Rates for All

Borrowers & Lenders benefit from Technology and Advanced Analytics being leveraged by PEOPLE-LEND to engineer deals that benefit both Borrowers, by providing them with Loans at rates Lower than those offered by Banks & Financial Institutions, and Lenders, by providing them with investment options that earn Higher returns than risk free rates provided by Banks at low risks.

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People-Lend

We believe that both power & money lies with people. The key towards more inclusive growth is to unlock this by organizing an environment where people with immediate financial needs and those without can become aware of each other and strike deals that are beneficial to both. This is achieved by creating a peer-to-peer lending platform where

  • Lenders earn Greater Returns than risk-free rates provided by banks on their investments &

  • Borrowers get Loans at Low Interest Rates compared to market conditions.

This is achieved by breaking down an Investor’s (Lender’s) portfolio and investing in multiple risk class assets to optimize returns in accordance with her/his needs. This is done such that the returns desired by the Investor are achieved at minimal risk required to achieve the target returns.

Simultaneously since this is an online marketplace, the economies of scale work in our favor and the savings made thus are passed on to the Borrower in the form of lower Interest Rates than prevailing market subject to risk categorization.

Process

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Registration 

Collection of basic information about Borrowers and Lenders

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Documentation 

Collection of KYC, Bank details & Tax Documents in accordance with RBI rules

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Search

Search for Borrower profiles such that investment objectives are met

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Agreement

Borrower & Lender are facilitated by us with paperwork and agreements

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Disbursement

Either happens directly or through our managed Holding account

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Payback

EMIs are paid back to the Lenders directly or through our managed Holding Account

Highlights

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ROI as high as 36% for Lenders

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Invest as low as Rs. 10,000 minimum of Rs. 1000, in different Borrowers

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Interest Rates as low as 11% for Borrowers

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Borrow as low as Rs. 20,000 and up to Rs. 500,000

Features

Online Process, including documentation

No Hidden Charges

Pass on entire interest rate to end user

Complete Transparency

Secure Personal Information