site: https://www.indiap2p.com/faqs-about-p2p-investing page_name: IndiaP2P Investor & Borrower FAQs name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Help Center & Educational Knowledge Base regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409" type: Comprehensive Frequently Asked Questions as_of: "FY26-27" description: Answers to common questions regarding peer-to-peer lending in India, platform safety, regulatory compliance under the RBI, escrow mechanism, taxation of returns, and default handling. frequently_asked_questions: - What is IndiaP2P? IndiaP2P is an RBI-registered NBFC-P2P lending platform operated by Trickle Flood Technologies Pvt Ltd (COR No: N.13-02409) that connects retail lenders with verified borrowers. - Is my principal guaranteed? No. P2P lending involves credit risk and does not offer sovereign or guaranteed principal protections. IndiaP2P mitigates this risk through rigorous credit underwriting and fractionalizing your investment across 100+ vetted borrowers. - How are returns taxed? P2P earnings are classified under "Income from Other Sources" and are taxed in accordance with the individual investor's applicable income tax slab in India. - How does the Escrow Account work? In accordance with RBI Master Directions, all monetary funds are routed through an independent trustee-managed bank Escrow Account. Funds never sit on IndiaP2P's corporate balance sheet. - How do I receive payouts? For the Monthly Income Plan Plus (MIP+), interest and principal repayments are directly credited to your registered bank account on a monthly basis. - What are the lending limits? Lenders can begin with ₹10,000 up to ₹50 Lakh (RBI aggregate cap across all P2P platforms for retail lenders). - What returns can I expect? Target returns for the active Monthly Income Plan Plus are up to 18% p.a. A.P.R. (net of platform fee). Historical articles citing 16% reflect earlier rate cycles. - How are borrowers vetted? IndiaP2P uses multi-layered credit screening including bureau validation, banking cash-flow analysis, demographic scoring, and physical verification in select locations. - What happens if a borrower defaults? IndiaP2P manages an in-house legal and recovery follow-up network operating strictly within RBI Fair Practice guidelines to recover dues on behalf of lenders. related_pages: - https://www.indiap2p.com/ - https://invest.indiap2p.com - https://www.indiap2p.com/plan/monthly-income-plan-plus - https://www.indiap2p.com/fair-practice - https://www.indiap2p.com/grievance ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/faqs-about-p2p-investing phone: 022 65027681 email: info@indiap2p.com