IndiaP2P, an RBI-certified peer-to-peer lending platform, has released its FY25 Social Impact and Performance Report, showcasing how P2P lending can bridge India’s credit gap while creating real social impact in rural and semi-urban India.
Focused on low- and middle-income households across these regions, the platform’s model stands out for delivering small-ticket credit where it is needed most.
In FY25, 78% of IndiaP2P’s loans were disbursed to women borrowers, and over 99% of the lending activity was concentrated in non-urban geographies. These figures reflect a deep and deliberate commitment to creating economic opportunities in areas traditionally underserved by formal finance.
“Our borrowers aren’t just receiving loans; they’re building businesses, adding income streams, and lifting entire households out of poverty,” said Neha Juneja, Mohit Gupta and Ravinder Voomidisingh, the founding team of IndiaP2P, in a joint note.
Operating across 50+ locations in 31 districts—including Odisha, Bihar, Uttar Pradesh, Madhya Pradesh, Chhattisgarh, Rajasthan, and West Bengal—IndiaP2P’s model is designed to support India’s vast network of informal entrepreneurs. With an average loan size of under ₹2 lakh, the platform is unlocking growth for a segment largely ignored by traditional lenders due to structural cost and risk considerations.
A significant 75% of the loans disbursed were directed toward income-generating activities, empowering borrowers to start or expand small businesses. An impressive 92% of the borrowers were self-employed, reflecting the platform’s alignment with India’s growing informal entrepreneurial base.
Moreover, 80% of the loans catered to households from economically weaker sections (EWS), lower-income groups (LIG), and the first tier of middle-income (MIG-1), reinforcing its focus on financial inclusion. The typical borrower was 38 years old, with a business vintage of five years and a median credit bureau score of 747—underscoring both experience and creditworthiness in the largely underbanked segment.
IndiaP2P’s underwriting model goes beyond conventional credit scores, relying instead on a hybrid approach that combines behavioural and business data. This allows it to assess and serve borrowers who may lack complete documentation but demonstrate strong repayment potential. By combining digital onboarding with a network of on-ground agents, IndiaP2P is not just disbursing loans—it is building a credit infrastructure for India’s “invisible middle.”