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Looking to lend your money? Well, we have just the right lending plans for you!

Through Faircent, you can lend in loans directly given out to India’s creditworthy individuals and small businesses, and earn stable and high returns, just like you would as a bank.

Show me how you deliver
stable high returns

Various lenders, just like you, lend money in loans based on their choice of the lending plans offered
Loans are disbursed to borrowers only with a healthy credit score (rates from 10% p.a. to 36% p.a.)
Data science and algorithms automate portfolio management and optimize returns
Loans are collected back using analytics-based methods, backed by a strong recovery process
The loan repayments are collected, and you are paid back up to 10%-14% p.a., based on your chosen plan.
Our fees are performance-linked, payable only when you have earned the returns as per your lending plan
Your money can be re-lent to enable it to generate compounded returns

For consistent and stable returns up to 10%-14% p.a.

SHOW ME THE
CHOICE OF PLANS

You can choose your plan based on your needs. Whether it’s a fixed corpus to buy your dream car, a source of secondary, passive income, or even having the option of withdrawing money whenever you want, our range of plans suit your every need.

Ready to earn high returns, the way you want them?



SHOW ME HOW YOU OFFER

COMPLETE TRANSPARENCY

Monthly in-depth status reports; no guesswork
Comprehensive Lending Dashboards, with just the date you need.
Dedicated executive to answer your questions
Performance-linked fee
Seamless liquidation on returns
Regular Loan Portfolio disclosures, to keep you updated all the time.
Aggregate portfolio mix reports covering:
  • Age
  • Gender
  • Product Mix
  • Collection Performance
  • Credit History
  • Education
  • Employment Type
45%
Grad
37%
Undergrad
6%
Post-Grad
12%
Prof
22.95%
26-30 Years
44%
31-40 Years
21%
41-50 Years
5%
50+ Years
7.05%
21-25 Years
Self Employed (53%)
Salaried (47%)
86%
Male
14%
Female

Want high returns with complete transparency?

Show me your track record

₹3,944 Crores+
Amount disbursed
2.83 Lakhs+
Lenders have joined us
48.00 Lakhs+
Borrowers have joined us
₹8.45 Lakhs+
Average Lending size
80%
Re-lending ratio
16.77%
Gross ROI of portfolio
₹89K
Average Loan Amount

Impressed with our track record? Let us show you the money!

Can you Answer my Questions?

Q: What is the Faircent Monthly Liquid Plan?

A: The Faircent Monthly Liquid Plan has been introduced as the best ever lending plan featuring the true power of P2P Lending! Utilising this plan, you can fund loans to your choice of the most premium of selected borrowers or categories of borrowers and make unparalleled returns of up to 10-14% per annum. The returns are provided to you as monthly repayments which include both principal and interest, based on collections from your chosen borrowers or categories. Hence this plan allows you to create a true alternate income stream. You are also eligible to earn an upside as well, if loans perform better than expectations. You can even choose to re-lend your repayments to make even better returns.

Q: What are the key noteworthy aspects of the Faircent Monthly Liquid Plan?

A: Some key aspects of the Faircent Monthly Liquid Plan you should note are outlined as below:
  • 1.   For repayment details, you should refer to the schedule provided with each lending in the Overview section.
  • 2.  Your share of the borrower EMIs will be collected and paid to you in 3rd week of the month. If your funds are disbursed to a borrower on or before 14th of the month, then you will start receiving the repayment in the next month and if they are disbursed on or after 15th of the month, then the repayment will start from the next to next month.
  • 3.  Your Principal outstanding (funding amount) reduces with every repayment as each repayment has a principal component. Further, you should note that you earn interest only on such Principal Outstanding.
  • 4.  In event of Foreclosure of a loan by a borrower funded by you, the principal and interest till date of foreclosure will be returned to you and your principal outstanding will reduce by the principal returned, with no further interest being payable to you on such amount.
  • 5.  In event of Settlement of a loan by a borrower funded by you, the principal and interest received till date of settlement will be returned to you and your principal outstanding will reduce by the principal returned and you may need to recognise the principal loss (if any).
  • 6.  Faircent Fee will be deducted on collection of EMI from borrowers and will be subject to a maximum of 1.25% per month of principal outstanding.

Q: What is the Lender processing fee payable in Faircent Monthly Liquid Plan?

A: Faircent Fees are deducted on collection of EMI from borrowers and will be subject to a maximum of 1.25% per month of the principal outstanding.

Q: What is Faircent Double?

A: Faircent Double aims to provide lenders with an lending option that helps them achieve portfolio efficiency without compromising on lender’s choice. Lenders can benefit from loans that can deliver stable returns without spending too much time and effort. Interested lenders authorize Faircent to disburse this into a diverse mix of loans and loan products offered to borrowers who as per Faircent’s algorithms have the repaying capacity to provide aggregate returns of up to 12% p.a. Faircent Double offers many plans with varied tenures.

Q: How does Faircent Double minimize risk?

A: Loans under Faircent Double are selected through a conservative approach and various steps are taken to mitigate risk:
  • 1.   Diversification across many loan-segments basis tenure, interest rate, industry mix and borrower profile through an algorithm based on years of experience in credit data analytics.
  • 2.   More effective spread across a large number of borrowers and loan products through analytics driven strategy.
  • 3.  Strict due diligence is exercised before the loans are selected for funding with deep verification, credit score analysis, banking history checks etc.
  • 4.   The loans are closely monitored, regular re-calibration and course correction is undertaken in the process to optimise quality of borrowers.

Q: How are defaults managed under Faircent Double plan?

A: For loans under Faircent Double plan, analytics driven collection strategy has been formulated to minimize defaults. Defaulter’s data is scrubbed regularly, and concentrated effort is made towards recovery.

Q: What is the Lender processing fee charged on Faircent Double Plans?

A: There is no lender processing fee for Faircent Double. Faircent charges a fee for managing the pool of loans. The portfolio management fee is performance-linked. Hence, Faircent is only able to earn a fee when the plan delivers. For eg. If the net returns post default (if any) is 15% p.a. and the return on loans to be provided to lender as per the plan selected is 12% p.a, then the Faircent Portfolio Management Fee will be 3%. If the net returns post default (if any) is 11.5% p.a. then the lenders will receive 11.5% while Faircent will not receive any Portfolio Management Fee in such cases.

Q: How is Liquidity provided by Faircent?

A: Liquidity is provided by Faircent from returns generated as and when borrowers pay back their loans. The interest paid by the borrowers helps generate returns for the lenders. The loans have a fixed tenure, and repayment from these loans is spread over the tenure of the loan. Such loan repayments generate the funds available for providing liquidity to lenders. Loan Defaults and delayed repayments from borrowers affect the amount of funds available for providing liquidity.
Faircent offers Liquidity only on a best-effort basis. Faircent shall not be liable or responsible for any delay in or non-availability of Liquidity.
Read all Lender FAQs

Want high returns with complete transparency?

Disclaimer:

Lending on Faircent.com is subject to defaults. Please read the product details carefully before lending. Fairassets Technologies India Pvt Ltd (Faircent.com) is having a valid certificate of registration dated May 16th, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or the opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company. All repayments are subject to GST. Product returns are historic and Faircent doesn’t provide any guarantee of these returns in the future. All information stated above is indicative in nature. The data provided above is purely for information purposes and being dynamic is true as of date of publishing but can change immediately thereafter. Actual returns and pay-outs might differ depending upon the portfolio performance. Faircent will perform risk management activities to maintain returns in the acceptable range but it is possible that lenders may even lose principal amount in case defaults are too high. Lending made in the product may get lent over a period of time depending on the amount of lending. Interest will start accruing only when the amount is disbursed to the respective borrowers on the platform. Returns are dependent on utilization of funds. Unutilized amount does not earn any interest. By lending on Faircent, lenders authorize Faircent to send funding proposals on their behalf to borrowers meeting the lending criteria. If monthly re-lending is available, then it will be made to borrowers meeting the product’s lending criteria at the point of re-lending. Liquidity is offered on a best effort basis and Faircent shall not be liable or responsible for any delay in or non-availability of Liquidity.

By clicking the "Lend" button, you are lending via a Faircent Product, and your lending amount will be disbursed to various Faircent borrowers or groups of borrowers as listed. By sending a proposal you are effectively accepting all loan agreements that will be subsequently generated in relation to the Faircent borrowers or groups of borrowers listed. In case you request for a withdrawal of your lending amount, your rights may be assigned to other participating lenders.