P2P Lending

India’s innovative investment:
Earn up to 12% lending to creditworthy individuals.

P2P Lending- Fixed Plan

Your investment will be locked in for the duration of your choosing, efficiently compounding your returns.

Earn up to 11% per annum
Minimum tenure of 12 months
Minimum investment of ₹1 lakh
No TDS on withdrawal
No Investment Fee
Monthly Interest Payout (Optional)

P2P Lending- Flexi Plan

For those who want to keep their money invested with adequate liquidity. You can withdraw your investment with interest anytime.

Earn up to 9.5% per annum
Minimum investment of ₹50,000
No minimum tenure
No TDS on withdrawal
ZERO deposit or withdrawal charges
Daily Interest Credit

Start Investing

Invest Smart with Nemi Wealth

Expert Guidance

Access professional wealth management expertise for better investment decisions and comprehensive portfolio building.

Streamlined Access

Simplified interaction with Per Annum’s P2P lending platform through our intermediary services.

Tailored Solutions

Receive personalized investment recommendations and strategies for financial success.

Frequently Asked Questions (FAQs)

Per Annum, powered by NBFC-P2P Lendbox, employs stringent underwriting practices, setting high standards for credit scores and repayment history. Borrowers endorsed for financing typically maintain credit scores of 700 or above, showcasing a consistent 5+ years of regular repayment. Our network of Partners not only assists in risk assessment but also manages loan collection with on-ground fleets of agents in various cities. The assessment process also considers alternative data, income, and spending behavior while evaluating borrowers for Lendbox.

No, Per Annum and Lendbox do not guarantee or secure investors’ returns, following RBI guidelines. Every investment is dependent on the actual loan repayment. Before disbursement, stringent credit checks ensure high-quality loans. Lendbox employs in-house and partnered collection agencies for effective loan recovery, minimizing delays and defaults, providing consistent investor returns.

You will be able to request for withdrawal of your funds (principal and interest earned) from our app any time.

Our Fixed Tenure investment plans usually lock funds for a specified tenure. Typically, we cannot liquidate your funds before the lock-in period. For exceptional or emergency cases, please connect with your wealth manager to explore potential liquidation options.

No, Per Annum Partners do not guarantee the safety of either the principal or interest portion of your investments. As per RBI P2P regulations, all P2P loans are unsecured and cannot be backed by collateral.

Yes. Per Annum’s empowering company, Lendbox (Transactree Technologies Pvt. Ltd.) , is an RBI-registered P2P-NBFC.