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For those exploring asset classes with the potential to deliver steady monthly income, P2P lending offers a unique opportunity. Lenders can choose borrowers based on risk profile, tenure, and expected returns. Many P2P platforms offer tools to diversify across multiple borrowers to manage risk. With minimum investment thresholds often starting as low as ₹500 per borrower, it’s easy to get started. While the returns can be attractive—typically higher than fixed deposits or savings accounts—it’s important to evaluate each borrower’s credibility before lending.

P2P lending has found a solid ground in India due to the vast number of credit-seeking individuals who might not qualify for traditional loans despite having repayment ability. For lenders, this represents a largely untapped market with meaningful returns. Regulatory safeguards introduced by the RBI, such as limits on exposure and mandatory KYC compliance, have added a much-needed layer of safety and trust to the system. Most platforms also offer credit evaluation, risk categorisation, and collection support, thereby reducing the burden on individual lenders.

As with any asset category, the key to using P2P lending effectively lies in being informed and disciplined. Spreading investments across various borrowers and using trusted platforms can mitigate default risks. For individuals seeking alternate avenues to grow their money or earn passive income, especially in a low-interest-rate environment, P2P lending in India offers a structured and regulated pathway worth exploring.