Lend to earn returns from upto 10% to 14% pa

1st NBFC-P2P regularised by RBI

Generate a Secondary Monthly Income

Join Lakhs of Individual Lenders

Widest Choice of Pre-verified Borrowers

Now even NRIs can fulfill the dreams of India's local business owners and earn high returns with Peer to Peer Lending (P2P).

First name should include aphabets only & should be atleast 3 characters long.
Last name should include aphabets only & should be atleast 3 characters long.
OTP must be a valid non-empty numeric value.
Password can't be blank.
  • Please select Country.
Mobile No must have 6-20 numbers.
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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What is P2P Lending?

Peer-to-Peer Lending is a new method of debt financing that’s regulated by the Reserve Bank of India (RBI), which allows you to lend and borrow money without the involvement of a financial institution. Being an online portal, P2P Lending generally operates with lower overhead costs as compared to traditional financial institutions or banks. As a result, borrowers can borrow money at lower interest rates and lenders can earn higher returns.

Why Invest for India's small and medium enterprises (SMEs) through P2P Lending?

Gives you an opportunity to earn like a bank

Regulated by
RBI

Diversification Avenue for your Portfolio

High Return
Potential

Generate Secondary Income

Additional
Compounding Benefits

What's In It For You As A Lender?

P2P Lending allows you as an individual to lend in loans and make returns in the form of interest. The loans are extended to borrowers on Faircent only after they have been thoroughly assessed for their stability, ability and intent to repay across 120+ parameters and properly verified. Faircent also ensures collection of security cheques / NACH mandates for direct debit of EMIs from the borrower's bank account and signing of legal agreements. A robust collections, recovery and legal process run by Faircent also helps to minimize risk to your capital. To make the most of P2P Lending, we recommended you to create a diversified portfolio of loans by lending small amounts to large number of borrowers across locations, loan types, risk categories etc. and re-lend to compound your returns.

Earn high returns
Month-on-month returns
Gives returns within 45 days from the day of lending
Mitigate risk via robust mechanisms
Secure and convenient lending through cutting-edge technology
Data & Analytics optimal returns
Re-lend to compound returns
Widest choice of Loan Products to lend in
15 Lakh+ borrowers onboarded

How Is It Better Than Other Investment Options?

The annual returns from Saving Accounts are at 3.5% p.a., PPF & NSC at 7.6% p.a. and FDs at 7-8% p.a. These returns are lower or at par with the average inflation rate (6.07% p.a.). Real Estate requires very heavy investments, Stock Markets are extremely volatile and require investors with high risk appetites whereas Mutual Funds need long-term investments in order to generate high returns.


If you are looking for an optimal way to meet your future financial needs, invest in P2P Lending and earn high returns. What’s more, the Reserve Bank of India (as on 4th October, 2017) has decided to regulate the P2P Lending industry and created a new class of NBFC (NBFC-P2P), thereby providing more credibility to P2P Lending as a platform to invest in.

Why lend on Faircent?

Faircent.com is India's 1st registered NBFC-P2P platform and has been operational for over 5 years. With the support of pedigree investors and a management that has decades of experience in the internet and financial services industries, Faircent.com offers P2P lending, a new asset class which helps lenders earn high returns and that too month-to-month.

India’s Largest P2P Platform with Lakh of registered lenders and borrowers
1st NBFC-P2P regularised by RBI
Lakhs of loans disbursed in the last 12 months
Tech-enabled platform to facilitate risk management
Widest choice of Pre-verified borrowers
Thousands of crores of rupees disbursed.

Awards & Recognitions

Mandatory documents required to register as a lender:

  1. Scanned copy of the NRO bank account canceled cheque
  2. PAN card
  3. Address Proof of the overseas address - permanent and for corresspondence purpose.
  4. Passport copy is mandatory. Relevant pages of passport having name, photo, date of birth and address should be submitted.
  5. Recent Photo
  6. If the customer is from the Merchant Navy, then the person needs to submit a mariner's declaration or certified copy of the Continuous Discharge Certificate.

As per RBI guidelines for NBFC-P2P, a lender funding loans via P2P Lending in India should ensure that there is no international transfer of funds. Hence, an NRI can lend on Faircent.com through an NRO (Non-resident ordinary rupee) account only.

Once the KYC is completed, the account is activated within hours, NRIs can log in through the website using their email ID and password or download the app from google/apple store and access their unique dashboard. To start lending, they must add money to their escrow wallet from their NRO account. More information is available on the dashboard.

Disclaimer:

Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Fairassets Technologies India Pvt. Ltd, and does not provide any assurance for repayment of the loans lent on it. 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.

The information contained herein is only to enable the Lender to make a considered decision. Any decision taken by the Lender on the basis of this information is the sole responsibility of the Lender and Faircent is not liable. This information does not include any sensitive personal data or information of the Borrower. Faircent only facilitates a virtual meeting place between the Borrowers and the Lenders on its online platform. The decision to lend is entirely at the discretion of the Lender and Faircent does not guarantee that the Borrowers will receive any loans from the Lenders. Faircent merely aids and assist the Lenders and the Borrowers listed on its website to make and receive loans and charges a service fee from the Lenders and the Borrowers for such assistance. Faircent is only an ‘Intermediary’ under the provisions of the Information Technology Act, 1999.