What is Peer to Peer Lending?

Peer to Peer lending Company India

What is Peer to Peer Lending?


Peer to Peer lending, also known as P2P Lending, is a financial innovation which connects verified borrowers seeking unsecured personal loans with investors looking to earn higher returns on their investments. Verified borrowers are listed on the P2P lending platform, Investors can see all the details about the borrowers before lending money to them. Investors have the option to lend small amounts to multiple borrowers to diversify their investments.

Peer to Peer Lending is already a hugely successful model for alternate financing across globe. In India, P2P Lending is gaining traction at very fast pace and slowly becoming a very attractive investment option for investors. RBI has already taken a cognizance of this innovation and come up with a consultation paper to regulate this sector.

The Reserve Bank of India has also notified Peer-to-Peer Lending institutions as Non-Banking Financial Companies (NBFC-P2Ps) as it has potential to increase financial inclusion at attractive costs.

Our Customers Profile

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How It Works

Borrow at Attractive Interest Rates on Peer to Peer Lending Platform from the Comfort of your Home without any Prepayment Charges
Post registration, open the borrower account by filling a simple online form and uploading all the relevant documents. Please remember, the more information and documents you provide, better is the chance you stand to get lower interest rates.
Peer to Peer Lending
Borrower Account
i2i considers more than 50+ parameters like education background, employment stability, debt income ratio etc. apart from CIBIL to assess your true credit profile and then recommends interest rate and risk category for the loan.
Loan Assessment by i2i
Loan Assessment
by i2i
After your loan request has been assessed by i2i, you should make your loan live on i2ifunding.com through My Account section by setting interest rate and expiry date. Please note that you can increase interest rate of your loan to make loan more attractive to investors.
Make Loan Live on i2ifunding.com
Make Loan Live
on i2ifunding.com
Once you loan is live on our portal, it can be viewed by all the investors registered on our portal. Soon, investors spread across India will start showing investment commitment in your loan project which can be easily monitored by you through my account section.
Get Funding Commitments from Investors
Get Funding Commitments
from Investors
Once funding of your loan is complete, i2i conducts physical verification to verify the documents submitted by you against the originals. You also need to sign a legal agreement and provide 3 undated cheques equal to EMI amount for each investor.
Physical Verification  and Documentation
Physical Verification
and Documentation
Once all legal formalities have been completed,Individual investors will transfer money to Nodal Escrow account and from Nodal Escrow Account money will be transferred to your bank account. Post which you need to repay the loan as per the terms mentioned in the agreement. You may also choose to prepay loan without any penalty.
Loan Disbursal  and Repayments
Loan Disbursal
and Repayments
Peer to Peer Lending - Hassle Free and Smarter Way for Investors to Earn High Returns
Post registration; open an investor account by filling a simple online form and uploading your Pan Card copy and address proof to adhere to KYC criteria as set by the RBI. Your wallet will be credited with notional money of Rs. 50,000 after registration.
Create Investor Account
in Minutes
Once registered you can review different P2P loans requested by borrowers. i2i has already assessed these loans using its proprietary credit score model and recommends interest rate and assigns risk category to each of the loans to make your investment decision simple.
Review Pre-verified
Loan Projects
Select and fund the loan projects as per your preference using money available in your wallet. You can start investment from just Rs. 5,000, however, you can fund maximum up to 20% of loan amount requested by Borrower. You will have to recharge you wallet for investments after Rs. 50,000.
Invest in P2P Loans
of Your Preference
Post a loan has been accepted by Borrower, i2i conducts physical verification of the borrower. On successful completion of physical verification, the borrower signs a legal agreement and provides undated cheques equal to EMI amount for each investor. i2i sends the digital copy of these documents to all the investors.
Physical Verification
and Documentation
Once all legal formalities have been completed, investors need to transfer funds to the Unique Nodal Escrow account assigned to each investor for disbursal. You will start receiving monthly repayments in your bank account from next month onwards.
Transfer Funds and
Receive Payments from Next Month
Invest small amounts in multiple loans available on our portal as per your risk appetite and build diversified portfolio to earn high returns on your investments. Our user friendly and easy to use "My Account" section gives you complete control and transparent view of all your investments.
Build Portfolio
and Grow Your Money

Why Invest at i2i

  • High Returns

    i2i is best peer-to-peer lending platform in India which provides investors opportunity to invest as per their preference and earn returns up to 30%.

  • Principal Protection

    i2ifunding is India's only P2P Lending platform which provides comprehensive protection plan to its investors along with legal support for recovery.

  • High Quality P2P Loan Projects

    Each loan project undergoes thorough a very stringent credit analysis including CIBIL check and physical verification so that diverse yet robust set of loan projects are listed.

  • Hassle Free, Transparent and Secure

    At i2i, we have put in place one of the highest data security and safety standards to keep your data protected and confidential at all times.

Why Borrow at i2i

  • Low Interest Rates

    Borrowers can get P2P loans at attractive interest rates as we go beyond CIBIL and assess their profile based on 40+ parameters using our proprietary credit score model.

  • Quick and Hassle Free

    i2i provides seamless user experience in terms of ease of transaction, ability to view detailed account statements, transaction analysis and many more features.

  • No Prepayment Penalty

    At i2i, the Borrowers can simply prepay their loans at their own convenience without any charges whatsoever and as many times as they wish.

  • Funding in a Few Days

    We have large pool of investors who are looking to invest in individual projects approved by i2i. Once your loan project is listed on i2i, it gets funded within few days.

i2iFunding Online Videos

  • How to Lend Money Online How to Lend Money Online
  • Get Personal Loan Online Get Personal Loan Online

Latest Blog Post

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Who is talking about us in Press

i2i funding news at The Times of India
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What Our Customer Think of us



I have been associated with I2I funding for the past three months. It has been a pleasure working with the I2I team till now. The response for each and every doubt or clarification i have had till now has been cleared by the team immediately. The borrower's quality also seems to be good. As a whole, it has been a pleasant experience so far.

P2p Loan Investor
Mr. Ranganathan Private Lender


I have been with i2ifunding for over 6 months now & have personally lent as well. I found the team to be always approachable, flexible & all functions to be very integrated. My experience has been smooth & would surely recommend to others to invest or borrow. This platform is a must try as per your risk appetite. Cheers !!!

P2P Lender
A Bansal Angel and PE Investor


When I started investing with i2i, I was pleasantly surprised by their pro-active customer service and transparency. It's processes make it seamless and hassle free to invest and gets us high returns on our investments. i2i is one of best Peer to Peer lending platforms and I will recommend this as one of the good investment platforms.

P2P Loan Lender
Anand Mundra Director, Fairwinds Private Equity


I was introduced to i2i by a friend. Initially, I was skeptic, but when I started getting EMIs back every month, my trust in Peer to peer lending and i2i increased. Now, instead of investing in much riskier options like mutual funds and stock markets, I am investing significantly on i2i and earning 20-22% of average returns on my investments.

Peer to Peer Loan Investor
Capt. Deepanshu Garg Master Mariner


In turbulent times at stock market and with gold prices coming down, investing at i2i seems best options. Team is extremely supportive and professional. They work towards bringing creditworthy borrowers and leave no stone unturned to avoid default. They are very transparent in displaying the detailed information of borrowers.

P2P Investor
Suruchi Singh Credit Policy Head at Axis Bank


I had a very pleasant experience of doing investment on i2i. i2i team was very professional and they resolved all my queries very patiently. They are very transparent in displaying the information about borrowers and assign a risk category to each borrower on which you can blindly trust. A very good investment option to earn higher returns.

 P2P Money Lender
Naveen Gupta Strategy Consultant at Accenture


I was looking to invest around Rs. 1 lakh in investment products where I can get good returns. I came to know about i2i through newspapers. As soon as I registered as investor, someone from i2i called me and explained the complete process in detail. Investment process is very easy and anyone can do it. I am very happy with overall experience.

Peer to Peer Lending
Umesh Chand Senior Technical Lead at UEI


Investing on i2ifunding is very fast and hassle free. It has intuitive and easy to use online process which anyone can use. Based on suggestion of i2i I have invested into multiple borrowers to diversify my risk and earn higher returns. I can say with confidence that i2i must be part of your investment portfolio and you should give it a try.

P2p Lending
Avinash Omer Commercial Operator at Maersk


I will recommend i2ifunding to all those who are looking for good returns on their investment at considerably reduced risks. Their credit evaluation process seems to cover lot of parameters which helps in thoroughly evaluating the risk associated. On top of that they have Principal protection in place as well along with recovery support.

P2p Investor
Girish Sahni Marketing Director


I was in need of fund urgently for medical treatment of my mother and was not getting any positive and quick assistance from any financial institution. One of my office colleague referred me to i2i and I am thankful to them that without any hassle, the required fund was arranged and transferred to me within 5 days. Thanks you i2i for helping me out.

Personal Loan Borrower
Santanu Chakrabarti Team Leader at Aptara


After having some problems and loss of trust in the financial companies, one of my friend advised me to try i2i. They supported me by funding quickly. Those who are facing financial crisis, I would suggest them to go to i2i without any second thought. I wish i2i to achieve success and create history in the funding domain.

Personal Loan Borrower
Vinoth Govindarajan Senior Analyst at WNS


I will recommend i2i to all those who are in need of money. Based on my experience, overall process of borrowing money from i2i is absolutely simple and quick. With their fast and easy online processing, I completed my application without any headache of physically visiting any branch and filling complex application forms.

Personal Loan Borrower
Jaspal Singh Content Writer


The service provided by i2i funding was impressive during complete personal loan process. Overall process was very smooth and I did not have to negotiate with multiple investors as they have fixed interest rate. I got clear information about the rates and charges applied in the loan. i2i is the best P2P platform and I would recommend it to all.

Personal Loan Borrower
Pankaj Nanda Accountant


Recently I had an emergency and needed to get quick help I went to their website which was clear and informative, filled out the quick and easy application and their representative were courteous, quick, and very helpful. In no time at all I had the Money in my account. Thank you I2I funding for being there.

Personal Loan Borrower
Dr. Tushar Mahadik Resident Doctor
RBI Caveat: "Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by the NBFC-P2P, and does not provide any assurance for repayment of the loans lent on it."