P2P Lending Risk Model
Estimate net returns after platform fees and expected NPA (Non-Performing Asset) rates.
Quick Summary: P2P Lending Risk Model
P2P (Peer-to-Peer) lending offers high interest by lending directly to individuals or small businesses. This risk model helps you calculate the 'Net Annualized Return' after factoring in platform fees (1-2%) and the expected Default Rate (NPA).
How to use the P2P Lending Risk Model
- 1
Enter Invested Principal
Input the total amount deployed across various loans.
- 2
Set Gross Interest Rate
Provide the weighted average interest rate promised by the P2P platform.
- 3
Input Expected Defaults
Enter the percentage of loans you expect to default (standard is 3-6% for unsecured lending).
- 4
Check Adjusted ROI
See your net pre-tax return after all risk and fee deductions.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.