Use the power of Data Science and Compounding to earn up to 12% p.a. (Flat) returns by investing in loans to India’s creditworthy small businesses and consumers with the Faircent Double.

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I have read and agreed to the Terms Of Use , Privacy & Security Policy and the Terms and Conditions of the Loan Agreement. I have understood all the risks associated with the lending transactions and acknowledge that Faircent does not assure the return of principal or payment of interest. I am aware that there exists a likelihood of loss of entire principal in case of default by a borrower. Faircent does not provide any assurance or guarantee for the recovery of loans and does not promote peer-to-peer lending as an investment product with features like tenure-linked assured minimum returns, liquidity options, etc.
I authorize Faircent.com to make any enquiries with any finance company or bank or credit bureau regarding my credit history. I consent to the search, download, and upload of my CKYC information to CERSAI.
I declare that the funds used or intended to be used by me on this platform are from legitimate sources and are not involved in money laundering, terrorism financing, or any illegal activities. I acknowledge compliance with Anti-Money Laundering (AML) regulations and agree to provide additional information if required. I understand that false information may lead to appropriate actions, including reporting to authorities. I have also read and understood this in the Terms of Use.
I have read and understood the Master Direction - Non-Banking Financial Company - Peer to Peer Lending Platform (Reserve Bank) Directions, 2017, along with other applicable guidelines issued by the Reserve Bank of India for NBFC-P2P. I agree to stay informed of any updates and their implications and to be bound by them including the retrospective changes. I have formed my own opinion regarding the validity of the features offered by the Platform from the regulatory perspective. In the event regulatory changes/clarification/review prevent the Company from providing the features of the product as originally offered, the Company reserves the right to modify such features to ensure compliance with applicable regulatory requirements without any further consent. I accept that any guideline updates will have the override effect on existing terms of the product.
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Key Features

Invest using Data Science

Unique Diversification Algorithm

Performance linked Processing Fees

Liquidity after selected tenure

Non-Volatile Flat Returns

Stable and High Returns

Low correlation with stock market

Constant Portfolio Monitoring for Recalibration

How does the Faircent Double work?

  • Interested lenders pool in their money and authorize Faircent to disburse this into a diverse mix of loans offered to borrowers who as per Faircent’s algorithms have the repaying capacity to provide aggregate returns of up to 12% p.a.
  • Leveraging the power of data and analytics, a scientific approach is used for portfolio building. This helps you save time and energy while achieving efficiency in managing your portfolio.
  • Portfolio is constantly monitored and recalibrated. Analytics based approach to collection strategy and execution.
  • Portfolio offers loans to credit-worthy borrowers with proven track records and a healthy credit score, and a majority have no defaults in their loan servicing history.
  • Processing Fees are only payable after you have earned the returns as per your investment plan. Eg. If the net returns post default are 15% p.a. and the lender has chosen tenure option with 12% p.a. (Flat) returns, then the Faircent Performance linked processing fee will be 3%. If the net returns post default (if any) are 11.5% p.a. and the lender has chosen tenure option with 12% p.a. (Flat) returns, then the lender will receive 11.5% p.a., while Faircent performance linked processing fee will be nil.
  • Reinvestment option available to benefit from compounding returns.

Why Faircent.com?

Faircent.com is India’s largest P2P lending platform and first to be recognized as an NBFC-P2P by the Reserve Bank of India. It provides you with a digital platform to invest directly in India’s local businesses through a variety of loan products enabling you to diversify your investment portfolio and earn stable and high returns just like a bank.

India's Largest P2P lending platform with Lakhs of registered lenders and borrowers

1st NBFC-P2P Regulated by RBI

Lakhs of loans seamlessly disbursed every month

Tech-enabled platform to facilitate risk management

Simple, transparent and online investing experience seamlessly managed by Faircent

Rs.2500+ Crores loan amount disbursed till date

Awards & Recognitions

Faircent.com is recognised in India and the world over for its tremendous potential as a P2P Lending platform.

Here’s what Mr. Sharad Sharma, an Faircent Double investor has to say:

"Faircent Double is a great option to earn flat returns on my investment while also helping to increase my portfolio stability. Knowing that my investment is going to India's local business owners has been a very fulfilling experience. Faircent.com has made the process really very simple."

Disclaimer:

Lending on Faircent.com is subject to defaults. Please read the borrower profiles carefully before investing. Fairassets Technologies India Pvt. Ltd. (Faircent.com) has a valid Certificate of Registration dated May 16, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India Act, 1954. 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 opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company. The ratings given for each Borrower, Product or Partner is based on an internal mechanism developed by Faircent taking into account various factors such as quality of borrowers, their credit history, the tenure of loans, diversity of portfolio and the partners vintage, reach, control over funds, credit history, strength of management and assistance or collection support provided, which Faircent believes in good faith may assist lenders in their selection of Borrower, Product or Partner. Faircent is not a rating agency and the factors considered to rate a Borrower are not industry approved factors nor approved, or in accordance with any regulatory authority. You may therefore choose to rely on these ratings at your sole discretion and Faircent will not be liable or responsible for your reliance on these ratings. The data provided above is purely for information purposes and being dynamic is true as of the date of publishing but can change immediately thereafter and Faircent is not accountable for its authenticity or veracity.

ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate, Mumbai - 400020, India, Tel No : 022 - 2288 2460, 022 - 2288 2470.The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon.Please note, distribution of products offered by Faircent.com are not Exchange traded products and I-Sec is just acting as distributor to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.