If you have money to invest for the short term, you can consider a new option in the debt segment other than traditional debt instruments such as debentures and bonds – peer-to-peer (P2P) lending, which has emerged as an attractive avenue for people who don’t mind taking some additional risks for extra returns. This involves lending money to individuals or businesses through online services that match lenders with borrowers. Recently, even the Reserve Bank of India (RBI) showed confidence in the fledgling segment by revising a lender’s exposure limit across P2P platforms from ₹10 lakh to ₹50 lakh. Experts say one can earn good returns by diversifying risks across types of borrowers.
Key Regulatory Developments
P2P players have been in existence since 2012, when the first platform – i-Lend – was launched. Initially, there was hardly any regulatory oversight. Seeing the potential of the evolving technology and growth of lending to the underserved, the RBI came out with guidelines in September 2017, to convert P2P players into NBFCs by issuing NBFC-P2P licences. There are around 30 P2P players in the country of which 20 had got the NBFC-P2P licences as on October 31, 2019; the rest have applied for it.
この記事は Business Today の February 09, 2020 版に掲載されています。
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この記事は Business Today の February 09, 2020 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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