Hyper-diversify your funds with FMPP®
Fractional Matchmaking Peer to Peer Plan (FMPP®) is designed to help you earn maximum returns while reducing the risk significantly. FMPP® investors have earned up to 15% p.a.* till date with zero principal loss.
Start your FMPP®
Hyper-diversify your funds with FMPP®
Fractional Matchmaking Peer to Peer Plan (FMPP®) is designed to help you earn maximum returns while reducing the risk significantly. FMPP® investors have earned up to 15%p.a.* till date with zero principal loss.
Start your FMPP®
- Invest up to ₹ 50 Lakh
- Safe from market volatility
- Returns up to 15%* since launch
Some of the products
Investment options to meet your financial goals
Long term wealth creation fund
Lumpsum
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Earn monthly interest
Monthly Income
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Invest based on your preference
Manual Lending
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About FMPP®
It’s a loan-matching algorithm designed to make effective matchmaking between investor and borrower to achieve maximum diversification across a maximum number of loans.
- As the name says, we take the lowest possible fraction of your investment to invest in loans as low as Re. 1 to mitigate risk.
- You can invest up to 50 Lakhs.
- FMPP® has given returns of up to 15% p.a.* since the launch
Download Fact Sheet
Find out how much return you can earn if invested in FMPP®
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Return illustration considering portfolio return at 10% p.a.
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Loan curation and due-diligence methodologies
How does the platform curate the best loans
Advanced Data
We collect hundreds of data points from the borrower to assess their creditworthiness
Credit Underwriting
We have advanced algorithms that thoroughly review the collected data before processing the loan request.
Robust Automation
We use machine learning and artificial intelligence to ensure robust credit check.
Overview of credit assessment
We don’t just say, we achieve results!
FMPP® Quarterly Performance
In the last quarter, FMPP® investors have earned upto 12% p.a. since launch
You can make the best use of your funds by investing in FMPP®.
10.13
Avg Returns p.a. in September 2023
Invest in FMPP®
What makes FMPP® different?
Hyper-diversification
Funds hyper-diversified; as low as ₹1 per borrower to mitigate risk.
Matchmaking
We do match making between an investor and borrower to ensure you earn the best return.
AI / ML Powered
End-to-end automated processes and advanced algorithms used for investment.
What are the risks, and how do we reduce them
There's some risk
Credit Default Risk: LenDenClub Peer to Peer Lending platform puts its best efforts into sourcing the right borrowers, and do thorough underwriting, information verification, and KYC checks. However, there is still a possibility of fraud or credit default risk for the borrower. It’s part and parcel of any lending activity. Here, your investment is into loans. In a way, it’s a lending activity. Though LenDenClub’s platform’s performance is good, and it delivered good results in the past, it is vital for you to understand the risk involved in the investment. To mitigate this risk, your investment should be divided into small amounts. On the LenDenClub platform, the capital matching algorithm helps you achieve the same.
Collection Risk: If a borrower does not repay, the platform uses various channels (which follow all RBI-specified guidelines) to recover the funds and ensure you receive your funds back. This includes digital follow-ups, physical meetings with the borrower, and initiating a legal recovery process against the borrower. Based on the loan amount, outstanding amounts, and physical connectivity of the place, the platform decides on the type of collection efforts in the best possible way. Again, because your investments are divided into hundreds and thousands of loans, the effect of non-repayment by a particular borrower will be very minimal.
We hate to keep anything hidden. Here are the platform fees you should know about.
Platform fees
Fees and Charges: To ensure that our P2P lending platform operates effectively and efficiently, while generating good returns for our lenders, a few fees and charges are applicable. Transparency is a key aspect of our service, and therefore, it’s crucial for you to understand these charges and why they are essential for a successful lending experience.
Facilitation Fee: This fee is charged for the range of services we provide to make lending smooth and hassle-free for you. The Facilitation Fee covers the costs associated with running the platform for lender-borrower matching, maintenance of a secure and user-friendly platform, and effective customer support. It ensures that we can continue to deliver an efficient and convenient lending experience for you.
Collection Fee: The Collection Fee is applicable only when we set up with an external vendor or collections partner to manage loan repayments. This helps streamline the collections process while following all applicable guidelines, ensuring that you receive your returns in a timely manner. This fee is a small investment towards making the repayment process as smooth as possible.
Recovery Fee: This fee is only applicable on successful repayment of the delinquent loan from the borrower to the lender. The Recovery Fee is levied for the additional efforts our team puts into ensuring that delinquent loans are repaid, including any follow-ups and legal steps that may be required. The fee is a testament to our commitment to go the extra mile to safeguard your investment.
Each of these fees contributes to the overall effectiveness of our platform, enabling us to offer you a robust, trustworthy lending service. The aim is not only to cover the operational costs but also to reinvest in technology and human resources to make our platform even better. This helps us continue to deliver on our promise of being a reliable investment avenue for you.
Some testimonials
Hear from our investors
The new FMPP® product is good. Was confused initially, but the support team helped me get clarity. The results in past quarter are reassuring. Keep up the innovationRead more “Raghu Kumar”
Raghu Kumar
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
This is the only P2P platform that does not charge a/c opening fee. So I could use the platform for free and ended up investing as well. There is also no fee on withdrawals. Love
…
Chirag Soni
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Love the overall experience. Never had to be worried about the nitty gritty of P2P investment. LenDenClub takes care of it with its FMPP® plan. The returns received were exactly asRead more “Akash Gupta”
Akash Gupta
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I was thrilled that I got to know about LenDenClub from my brother; he has been investing here for the last three years, making around 10 – 11% p.a.. I have been using this platform
…
Ravi Sharma
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
LenDenClub is the most transparent platform I have come across. They micro-diversify the funds to reduce the risk. 90% of my investment is divided into less than ₹ 10 and most of them I can
…
Priya
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I really like this product for two reasons. One, they have a track record of good returns, and second, their support staff is extremely polished and guides youRead more “Sonalki Gupta”
Sonalki Gupta
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
If you wish to invest in new-age investments, I would say LenDenClub is the first preferred option. you don’t have to be a pro-investor to invest here. It is designed in such a way that
…
Akhilesh Reddy
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
A decent platform to enter in P2P as their starting investment amount is just ₹ 10,000. Also I can create multiple investments for various periods according to my needs. Their reports are very transparent and
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Manya Patra
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Ready to start diversifying your funds?
Diversify your investments with LenDenClub and increase your overall portfolio value. Download the LenDenClub app to start investing!
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