Is P2P lending regulated in India?

Yes, P2P lending platforms in India are regulated by the RBI as NBFC-P2Ps. There are caps on how much a single lender can invest across all platforms (currently ₹50 lakh).

P2P Lending Risk Model

Estimate net returns after platform fees and expected NPA (Non-Performing Asset) rates.

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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).

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

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.