In the fixed-income investment space, the primary avenues are mutual funds and direct investment in bonds, apart from conventional ones like bank or post office deposits. But another investment avenue has emerged over the last few years: peer-to-peer (P2P) lending. In this, hitherto unknown people lend to or borrow from each other; P2P platforms or facilitation websites run by P2P players act as the bridge between people. Returns through this deployment are in double digits, which is higher than that from debt-oriented mutual fund schemes.

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