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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 to stocks, MFs and others. Accordingly one should consider allocating a part of his invest-able surplus amount on P2P lending platforms like www.omlp2p.com to diversify their investment portfolio and also to improve their return on investments. Investors can start their investment on P2P lending platforms in accordance with their risk appetite and should steadily build their loan portfolio of diverse good quality borrowers. A long-term investment plan of at least 12 months to 36 months is the best way to get good returns with P2P investment. However platforms, like omlp2p.com do provide short term opportunities of 3-12 months also.


At OMLp2p, we always recommend investor diversify their portfolio on the basis of their expectation of return on their investments and their mindset of taking risk, finally what is important is higher risk adjusted return on investments.


In order to ensure optimum deployment of money, its advisable to take advantage of auto investment facilities available on such platform, this take away the headache of consistent follow-up of the website to invest the money. Such auto facilities provide selections of listed loan, both existing and in future based on selected parameters of the lenders. Effectively redeploying money back to desired borrowers on the earliest basis; no wastage of time.


OMLp2p provides three criteria's for setting up the auto investment of your money -

Criteria No 1.

Tenure of the loan

You may select your
loan investments on
the basis of your
expected time period
for return of money.

Up to 12 Months

More Than 12 Months and Up
to 24 Months

More Than 24 Months

Any Tenure

Any Risk GRADE

Criteria No 2.

OML Risk Grade

You may select your
loan investments on the
basis of
Risk appetite.

Very Low Risk - (P1, B1)

Low Risk - (P2-P3, B2-B3)

Moderate Risk - (P4-P5, B4-B5)

High Risk - (P6-P7, B6-B7)

Any Risk GRADE

Criteria No 3.

Contribution Amount Per Loan

You may select your
loan investments on
the basis of investment
amount per loan.

Min: Rs. 2,000
Max: Rs. 50,000



































Investors can choose any option as per given criteria,


For a Conservative Risk Lender- We recommend to diversify their portfolio in 2 categories:

  • 60-75% investment should be in Very Low risk to Low risk (P1-P2-P3 / B1-B2-B3) grade loans
  • 25-40% investment should be in Medium risk (P4-P5 / B4-B5) grade loans

For a Moderate risk Lender- We recommends to diversify their portfolio in 3 categories:

  • 40-50% investment should be in Very Low risk to Low risk (P1-P2-P3 / B1-B2-B3) grade loans
  • 40-50% investment should be in Medium risk (P4-P5 / B4-B5) grade loans
  • 10% investment should be in High risk (P6-P7 / B6-B7)/ or un grade loans

One of the most significant advantages of P2P lending is that investors start earning from the next month itself, making it possible for them to roll their profits back on the platform for further reinvestment. This ensures a compounding return on their investments, making it lucrative option for investors. Since EMIs starts coming back from next month, if not redeployed the money remain idle and return on investments starts falling. For better return (IRR) its important that money received as EMIs and lying in wallet get redeployed as early as possible.


Reasons for setting up Auto-Invest option at OMLp2p lending platform:

  • Loans get 100% funded very quickly even before investors can check
  • Loan profiles are made live during office hours, due to which some investors are not able to invest
  • Loan profiles are made live late in the evening and on weekends, due to which some investors are not able to invest
  • Some of the investors, because of their family commitments prefer not to touch their laptops/PC during these times and hence miss out good investment opportunities.
  • Due to busy schedules many investors are not able to find time to invest.

These are the reasons due to which investors are facing challenges in re-investing in loans. OMLp2p do understand the challenges of the investors and accordingly the OML platform provides its investors (lenders) the auto-invest feature as the solution for redeployment of their money. The auto-invest feature is available on the website. Investors who have opted for auto-invest; always get first preference over investors who are investing manually.


Auto invest is a process to help lenders to invest into new borrower without logging into his account. Investors can select their investment criteria and if there is/are any loan requirement from the borrowers that fits the selected criteria then the borrower will be automatically funded from OML wallet. In this way, the auto-invest feature makes investments convenient and simple.


The author is Marketing Head of www.omlp2p.com. The article written by him is in his personal capacity and educational in nature. All the views are his personal views. OMLp2p.com, the peer to peer lending platform has placed (promoted) the articles to benefit the general borrowers and lenders. You may write to author for your quarries at customer.support@omlp2p.com referring the article name and your details


www.omlp2p.com is India's leading RBI (Reserve Bank of India) registered NBFC-P2P, providing technology enabled e-commerce platform to it's Lenders and Borrowers to avail their loan at a highly competitive Rate of Interest, in a hassle free manner without much of documents; at the same time it provides its Lenders Higher return on their capital by providing opportunities to lend to good quality, well assessed borrowers.

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