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  • Awareness & High Investment Cap to boost P2P lending Surendra Jalan - OMLP2P

    Awareness & High Investment Cap to boost P2P lending Surendra Jalan - OMLP2P

    The size of peer-to-peer (P2P) in the USA is a whopping $35 billion, and Surendra Jalan of OMLP2P sees a huge potential in India going forward. Small ticket loans upto Rs 500,000 have higher potential, and Jalan believes that an increase in P2P lending awareness will supplement the growth, as lack of awareness has been a major roadblock for the P2P industry. Jalan confirms the plan to disburse around ₹ 250cr in next 2 years, and also being in talks with investors to raise funds in the future.

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  • How to utilise your yearly bonus or increment

    It is that time of the year when most companies would have paid out the yearly bonuses or pay raise. But given the economic ambiguity on account of the COVID-19 Pandemic, it is possible that many salaried professionals got a lower than estimated bonus or perhaps none at all. According to the Centre for Monitoring Indian Economy (CMIE) data several salaried employees are vulnerable to losing their

  • Saving and investing funds during uncertain times

    The COVID-19 crisis has caused enormous disruptions in our lives, not just to our jobs but to our wellbeing as well. Businesses have been forced to temporarily shut down to support efforts in limiting the pandemic, with some even ceasing operations due to the enormous losses incurred during the lockdown period. For individuals living on monthly salaries, the sudden loss of income brings heavy f

  • Get Equipment Finance without Security in India for Your Business

    There are many types of finance/loans options available to an individual and businesses in the market like housing loan, vehicle loan, business loan, education loan, marriage loan etc. The business loan includes several types of loans out of which equipment financing is one category. An equipment financing is a business loan's that specific category that is obtained purchase of equipment's

  • A Personal Loan to Pay off Credit Card Bills- Is it a smart decision?

    Everyone wishes to have an abundant stream of cash to splurge whenever, wherever he/she want. Here, credit cards play a crucial role when you are short on cash & credit cards offer a slightly superior limit than your financial capability. Carrying several credit cards is clearly becoming the new standard and symbolic of societal prominence. Nevertheless, it is only a wise decision when you use cre

  • Easy Personal Loans for Government Employees

    Whether you are dealing with unexpected medical expenses or planning your child's higher education or marriage, you need a large sum at once. Therefore, taking a personal loan makes a lot of sense. If you are planning to take care of an urgent expenditure, all you need is personal loan at competitive interest rates, which is remarkably easy to avail for government employees. With a secure incom

  • Secured vs Unsecured Personal Loan: What is the Difference?

    Emergencies or unwarranted expenses may knock your door without any warning e.g health emergency, a sudden expense or want to go on a trip etc. which will make you wonder to which financing option to opt, a personal loan may be the best solution. It is quick and easy to process, requires minimal documents and the loan amount get disbursed in your bank account. Another useful feature of a person

  • Is Taking a Joint Personal Loan Beneficial?

    Several borrowers opt for a joint personal loan with a co-applicant - usually a family member. As a result, the co-applicant also becomes responsible for the loan repayment. Should you opt for a joint loan? When you get a co-applicant, your eligibility for the personal loan enhances. Before proceeding, you need to know about two important things a. Credit Score: The credit score of your co-

  • Personal Loan Vs Credit Card? Which One is Better for Funding Travel needs?

    Everyone needs a holiday occasionally to unwind. But whether it is 7 days backpacking trip or a weekend getaway, travelling can weigh heavy on your pocket. Many people opt for a credit card or a personal loan to fund their expeditions. But is one better than the other? Using Personal Financing for Travel Personal financing offers various advantages. It is an unsecured loan, which can cover all

  • How to Manage Family Finances and Adjust Lifestyles during the COVID-19

    It is famously said that the only uncertainty is certain. No human being ever has managed to prepare for what the future holds for them, and uncertainty is a big part of our existence. The current times are the perfect example of the uncertainty playing havoc and turning lives upside down. The unforeseen advent of the COVID-19 pandemic has adversely impacted the entire world. It has thrown governm

  • How to build an Emergency Fund in 2021?

    The ongoing Covid-19 pandemic has hit India's economy hard, triggering a credit crunch for many people. The mishap has made many families realize the importance of having an emergency fund. A contingency fund or an emergency fund is a specified amount set aside for unforeseen emergencies. These can be medical emergencies, short-term job loss, salary deduction or sudden travel due to family eme

  • How to Apply for a Top Up Loan?

    A top-up loan is an additional amount you can borrow over and above your - existing personal or business loan. You can apply for this only after paying off a specified number of EMI's. So, if you have a steady loan repayment record, your bank or financial institution can let you borrow some additional money either at a lower or the same interest rate. Sounds like something you might need but no

  • A Personal Loan for Medical Emergency

    Health problems that were once incurable can now be cured, thanks to the advancements in technology that have made complex treatments possible. But the cost of these medical treatments are so high that not everyone can afford them, especially people who fall under the middle-class category. Any treatment that includes surgery, the cost of the entire treatment often goes up to a few lacs. compelli

  • Why diversity is good for investments?

    Let me start by quoting famous saying "Don't put all your eggs in one basket", Similarly, based on your objectives you may have allocated your investment into various asset classes such as equity, fixed income, insurance, commodities, and P2P lending. But if you do not diversify your investment within each asset class, the exercise, according to experts, is sub-optimal. Portfolio Diversificatio

  • Is Investing in P2P Lending the Right Move?

    P2P (Peer-to-peer) lending has been a hot topic in the investors circle for couple of years now. Also known as "marketplace lending", it allows retail and/or institutional investors to lend money to borrowers online without the use of a conventional intermediary such as bank. Investing through P2P lending platforms allows investors to provide loans for small business and personal purposes. It h

  • What Happens If You Miss Your EMI Payment On Loan?

    When you take a loan from a lender, you make a legal commitment to repay the loan. However, life often surprises you from time to time and traps you in a whirlwind of uncertainties like - a job change, or a health event, which can quickly throw you off track. These events limit you from going on with a fairly planned financial journey and lead to missed payments on your loans or credit cards. Even

  • Top 9 FAQs about Credit Score in 2021

    How can I improve my CIBIL Score? You can improve your CIBIL Score by maintaining a good credit history, which is important for loan approvals by lenders. Follow these steps to better your score: a. Pay all overdue: It is extremely important to pay your debts on time. This affects approx. 35% of your credit score. Pay on time, all the time. Your credit scores can be considerably impacted wi

  • Lending to peers may be worth a look

    Peer-to-peer lending can give higher returns at relatively lower risk in a falling interest rate scenario Interest rates have come down significantly. Bank deposit rates have eased, and fixed income mutual fund running yields (portfolio YTMs) are much lower than earlier. In this situation, investors looking for relatively higher returns can eye an avenue known as peer-to-peer (P2P) lending. L

  • Worried about Your Business Post Lockdown - Facing Temporary Financial Challenges?

    Small and medium business enterprises (SME's) have seen a boost in current times. They have shown favorable growth in terms of popularity and financial significance. These Micro and Small business are one of the biggest influencer for job creation (self-employments) as well as wealth creation. More and more SME's are now bringing new approaches in business to stand out among their contempo

  • How does auto investment works on P2P lending platforms, and its advantages

    It is better to invest your money instead of keeping it idle. Idle money does not generate any revenue,and you have an array of asset-classes to choose from. It is said that compounding of interest income is the eighth wonder of the world, because it works even when you are sleeping. Needless to say that P2P lending platforms are delivering much higher and stable returns on investments, compare

  • What should I do if I have defaulted in my Loan Repayment in past?

    Repaying a loan in time and keeping up with the EMIs payment is important for availing future loans and also to have competitive terms of borrowings, like lower interest rate, extended period of credit, higher amount of loan, etc. However, It's possible that due to unavoidable circumstances one may default in payment of an EMI or series of EMIs. Such defaults of payment of EMI/s is quite worrying

  • What is Annual Percentage Rate (APR) and its importance in Loans

    Annual percentage rate, commonly known as APR, is a number that represents the total cost of borrowing a sum of money from a lender. The term APR refers to the annual rate of interest charged by a lender from its borrowers for the amount he lend; the rate will be cited in % term on an annual basis. As we know, interest is the time cost of the money a borrower enjoy / a lender part with. Such in

  • Tax Provision, a Lenders should know about their investments (lending) on P2P Lending platforms

    Many Lenders have questions in their mind regarding Tax treatment of their Income earned through investment on P2P lending Platforms. Income earned by Lenders through investing on P2P lending platforms are subject to Indian Income Tax like any other taxable interest on their deposits / loans with banks or other institutions / individuals. We have classified the Taxation related questions in 4 part

  • Should You Consider Borrowing from Friends and Family?

    "Neither a borrower nor a lender be." These famous words came from Polonius, Shakespeare's chief counselor to King Claudius in Hamlet. When times are tough and money is tight, you end up having limited options of where to turn or to whom to turn to take loan to meet your requirements. If your credit score is good, and you know where to approach and you have enough time and securities, you m

  • Investing into Innovative assets during uncertain time

    Uncertainty is an investor's worst enemy! The spread of corona virus disease COVID-19 is one of the biggest threats to the global economy and financial markets. And this has triggered panic across the world and shaken the confidence of investors. This is certainly a time where it increases the mental stress within the investors' minds with enhanced doubts regarding the longevity of equity asse

  • Importance of Working Capital in Business

    Working capital is the capital of a business which is used in its day-to-day trading operations, calculated as the current assets minus the current liabilities. Net operating working capital is a measure of a company's liquidity and refers to the difference between operating current assets and operating current liabilities. Need of Working Capital Management Efficient working capital manag

  • How to start building wealth at the earliest?

    It's said that the second best time to start anything is today. The best time to start was yesterday. If you didn't, make today the day. You're never too old to start building wealth, but if you start when you're young, you have far greater potential to accumulate a fortune and more time to let that fortune compound itself as you grow older. The earlier you start investing, the

  • Importance of having an Emergency Fund

    The coronavirus (Covid-19) crisis has created chaos throughout the world. The new virus is not only deadly, if not taken adequate protections and social distancing can spread quickly to masses leading to huge healthcare problems and deaths. This has already overburden entire healthcare systems and crippled financial stabilities of many. Another side effect of the pandemic is the toll it's taki

  • P2P Loans: All you need to know before applying

    Practice of giving and taking of loans is as old as money itself. What's modern is the ease of comfort and scale of loaning, being afforded by the modern age technology. Ten years ago, an individual needing a loan to start a business, consolidate debt, or cover unexpected home improvements would have limited options to borrow from his or her known friends, family, and acquaintances outside of

  • Is Personal Loan Protection Insurance Important For You?

    Personal loans can cover everything from debt consolidation to medical bills, house renovation, children education, marriage in family, or even major life events like adoption or a wedding, business support requirements, etc. Availing loan is helpful to take care of such situation and keep the family happy and going. Also help business to handle financial challenges and boost the growth. While

  • 6 Reasons Businesses Are Rejected for Small Business Loans

    Are you looking to apply for a loan for your small business? Are you not sure if your loan will get approved? Chances are it will not get approved, as it has been observed over the years that banks are notoriously reluctant to lend to small businesses. According to a recent survey by on-deck of over 10,000 business applicants, a whopping 82% were denied financing by their bank. A small bu

  • Borrowing from Peer-to-Peer Lending platforms: How it Works

    In the new age of FinTech (Financial Technology), Borrowers has an option to borrow money for their personal as well as business requirements from Peer to peer (P2P) lending platforms. Borrowing from P2P lending platforms is much more convenient, hassle free, cost effective and with minimal documentations. What's more - no security required availing the loan. If you're in the market for a

  • 6 Reasons: Businesses Are Rejected for Small Business Loans

    Are you looking to apply for a loan for your small business? Are you not sure if your loan will get approved? Chances are it will not get approved, as it has been observed over the years that banks are notoriously reluctant to lend to small businesses. According to a recent survey by on-deck of over 10,000 business applicants, a whopping 82% were denied financing by their bank. A small business

  • Peer-to-Peer (P2P) Lending In 2020: The Ultimate Guide

    What Is Peer-to-Peer Lending Peer-to-Peer (P2P) lending enables individuals to obtain personal or small business loans directly from other individuals, cutting out the financial institution as the intermediary. Websites that facilitate Peer-to-Peer (P2P) Lending have significantly increased its adoption as an alternative method of financing. Peer-to-Peer (P2P) Lending is also known as social

  • 7 Quick Tips for Investing in Peer-to-Peer Lending

    Peer-to-Peer (P2P) lending refers to an online marketplace through which ordinary individuals can issue unsecured personal loans to other individuals. This eliminates the intermediaries, and subsequently, the lower costs involved, make P2P lending an attractive investment opportunity. Lenders get better interest rates, and the borrowers get the loan money in a short period of time. Even though the

  • 5 Trends In Peer-to-Peer Lending To Watch Out in 2020

    Peer to peer lending is the process of getting a loan online with minimum paperwork wherein the entire process of submission of the loan application to the final disbursement of the fund is done over the Internet. The revolution is led by innovative fintech companies and has re-defined the rules of borrowing and lending in India. The Indian Peer to Peer lending sector currently has some highly

  • Return On Equities

    As we know holding equity shares of a company is akin to holding a proportional share in a company without the requirements or responsibilities of (1) entrepreneurship (i.e. running the company) and (2) any liability associated with the running of the business. An investor in equity is eligible to get a proportional profit of a business and stands to lose his entire investment at maximum if the bu

  • What are Equity Shares?

    Any business or commercial entity needs 4 kinds of inputs (also called factors of production in economics) viz Land, Labour, Capital, and Entrepreneurship. We herein deal with Capital which is one of the factors of production required to run a business. Capital here means owners equity plus debt borrowed from others. When a business is small the entrepreneur starts with his own funds and invest

  • How Personal Loans Can Help Increase Home Value

    Real Estate is a market which sees huge ups and downs and yet never ceases to lose the attention of potential investors. Everybody needs a home which he or she can call their own. Whether it is buying a house or selling a house, the most important aspect is its market value. If you want to sell your house, then you definitely need to increase the value of it. You can increase the value of your hom

  • Benefits of Planning Your Yearly Travel Well in Advance

    Whether you are a free individual traveller (FIT) or a group individual traveller (GIT), the benefits of planning travel ahead of time are many. These include, among others, priority preferences for your airline seat and your hotel room, scheduling activities at the destination, ensuring advance pickup and welcome preparations, having a say and choice for holiday activities, and the like. Get t

  • Can I Use Personal Loan for Business Purposes?

    Wedding in house or want to go for a travel in India or striving to go for a long pending overseas trip with family and friend or looking for some extra funds to finance your daughter's education - however worried for financing such events. Availing Personal loan is one of the best solutions to take care of such situation. That's why today millions of individuals are leveraging the benefits of per

  • Top 8 Reasons Why People Take a Personal Loan

    Whenever there is a financial emergency or a cash crunch, you look for ways to get instant access to funds. One way to get funds is to avail a personal loan. Personal Loan provides individuals liquidity support to the borrowers to take care of their financial requirements. Personal Loan are primarily all purpose loan. Some of situations under which people prefer to apply for a personal loan instea

  • Is P2P Lending a Good Investment Than Other Investment Assets?

    P2P lending platforms are called "peer to peer lending" because they bring individuals / peers - together to participate in two sides of the same transaction. While borrowers turn to P2P lending in order to apply for a loan, investors show up in order to secure higher returns on their investment capital. Peer to peer lending in India is a newly emerging investment concept. It is often compared

  • For millennials, travel is a way of life - and they're taking P2P loans to fund it

    Though most Indian millennials may not spend as much time on travelling, the desire to see the world and make time and money to do so is an integral part of life for many young people. They don't always share their parents' desire to invest in traditional ways, such as homes or gold. For many millennials, rented accommodation and shared transportation work better. A recent survey by leading travel

  • How to Take Out a Loan: Frequently Asked Questions Answered

    Need to fill gaps in your budget this month or pay for a marriage expense? Understanding how to take out a personal loan is the first step to securing the funds you need to cover temporary, short-term expenses. Before applying for a loan or resorting to other short-term lending options, check out our answers to the most frequently asked questions about taking out a personal loan. 1. Is it a

  • How do I apply online for an instant personal loan?

    Applying for a personal loan can sometimes be a very confusing process. The reason for this is that personal loans have many aspects that need to be accounted for. Keeping a track of these aspects can often be overwhelming for you. However, you need not worry about applying for personal loans as they are very easy to understand once you know what to focus on. Before you apply for an instant per

  • Peer to Peer Lending - Future of Digital Loan Market in India

    Peer to peer lending is the process of getting a loan online with minimum paperwork wherein the entire process of submission of the loan application to the final disbursement of the fund is done over the Internet. The revolution is led by innovative fintech companies and has re-defined the rules of borrowing and lending in India. The Indian Peer to Peer lending sector currently has some highly

  • The Indian P2P market expected to grow to USD 10 Billion by 2025

    The number of banks and its branches has grown tremendously in the last few years. Banks are spreading their roots across the country. But are banks able to fulfil the credit demand of individuals and businesses? Traditional lending models such as banks come with their own set of strength and limitations when it comes to lending money. For a small borrower, be it small personal or business loan

  • How To Mitigate Risk In Peer to Peer Lending Platforms

    Peer to Peer lending, also abbreviated as P2P lending, is an online lending platform, where lenders get opportunities to earn higher returns on their investment, by lending to high quality borrowers of their choice, matching their risk expectations. It is a kind of direct lending where Investment (as loans) is being made to the selected high-quality Borrowers for their Personal and Business req

  • 7 Reasons Why You Should Invest In Peer To Peer Lending

    There are different types of investment options meant for investors with different investment horizons and risk tolerance. However, in the past year, most of the asset classes have failed to entice investors as markets whether it is equity or debt have remained volatile. It also saw kneejerk reactions from various market participants. With the interest rates moving south, traditional deposits, con

  • 5 Reasons Why You Should Borrow Money Through Peer to Peer Lending

    Thanks to the widespread use of technology, the financial industry is changing very fast like never before. More and more people are switching to online means to invest and other financial transactions. Peer to Peer lending (P2P lending) is one such modern concept made possible by growth in technology. Peer to peer lending has become a popular alternative asset class for both borrowers and investo

  • Low Credit score - Ways to Strategize and Improve your CIBIL Score.

    Just like a good marksheet can help you get admissions in top notch universities or a good job placement; a good credit report can help you get your potential loan approved. There are many ways to get loans and many criterias based on which you can get a loan. But all banks and other financial institutions compulsorily check your CIBIL (Credit Beureau) score. This is an established mechanism to

  • A Systematic Investment Plan (SIP) as a unique way to start investing in P2P

    Have you ever wondered how wonderful would it be to merge and enjoy the benefits of both SIP and P2P lending and invest in P2P through SIP’s. You can start by investing in small amounts every month and earn high returns (upto 36% p.a.). SIP's (Systematic Investment plans) are established as one of the most convenient, methodical and periodic investments and peer to peer lenders focus on c

  • P2P Lending Vs Stock Market

    When it comes to investment of our hard-earned money, really challenging to decide which is the right financial asset to invest in? In order to derive better returns from our investments, we need to critically analyse and compare all the possible options available to us for investing and take a final decision, as to which one is the better option; matching our risk and liquidity requirements and a

  • P2P is here to pave a way for smart investors

    The most precious resource we have today is time. From purchasing groceries to gold, we can now buy everything online. So, have you ever thought about lending online. Why have we been contingent on the traditional ways, while being hi-tech with everything else. The need to do burdensome tasks of submitting several documents and filling various forms and the never ending wait is now over. Throug


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