--- Page (SEO): home --- site: https://www.indiap2p.com/ name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: NBFC-P2P Lending Platform regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409 dated 01/03/2021" type: Financial Services / Peer-to-Peer Lending as_of: "FY26-27" description: IndiaP2P is India's leading RBI-certified Peer-to-Peer (P2P) lending platform operated by Trickle Flood Technologies Private Limited. The platform connects over 100,000+ (1Lac+) registered lenders with verified, creditworthy retail and micro-business borrowers across India, enabling investors to earn predictable, high-yield returns of up to 18% p.a. with monthly EMI cash flows. primary_offerings: - Peer-to-Peer Lending - Monthly Income Plan Plus (MIP+ up to 18% p.a. A.P.R.) - Diversified Retail Loan Portfolios - High-Yield Fixed Income Alternatives platform_statistics: - Registered Lenders: 100,000+ (1Lac+ signups as of FY26-27) - Target Returns: Up to 18%* p.a. / A.P.R. (net of platform fee) - Lending Ticket Size: ₹10,000 to ₹50 Lakh - Regulatory Certification: RBI Certified NBFC-P2P (COR No: N.13-02409) - Fund Flow Model: Independent Trustee Bank Escrow key_features: - Transparent Returns: Real-time dashboard tracking monthly principal and interest repayments. - Monthly Cash Flow: Direct bank account credits as borrowers repay their monthly EMIs. - Risk Elimination via Fractionalization: Funds are automatedly spread across 100+ vetted borrowers. - Lowest Fees & Zero Intermediary Spread: Cuts out bank and NBFC margins to pass interest yields to lenders. historical_rate_context: - "The Monthly Income Plan originally featured a 16% p.a. target yield in earlier platform cycles; current active product offers up to 18% p.a. A.P.R." awards_and_recognition: - Drivers of Change 2025 (India Today & Mahindra Group) - Bizruptor of the Year 2025 for Financial Inclusion (Her Circle by Nita M. Ambani) - 2023 Winner, WWB's Fintech Innovation Challenge (Women's World Banking) - Notable Mention: Ethical Investing in India by Siva Prasad Bose - Notable Mention: GIZ Women Entrepreneur Financing Toolkit - Notable Mention: Fintech Feminists by Nicole Casperson target_audience: - Retail & Fixed Income Investors - Passive Income & Monthly Cash Flow Seekers - HNI & Family Office Investors - Working Professionals & Retirees core_topics: - Peer to Peer Lending India - RBI NBFC P2P Platforms - Passive Income India - Fixed Income Investments - Monthly EMI Repayment Investing - Alternative Investments India - Lending Risk Management important_pages: - https://www.indiap2p.com/ - https://invest.indiap2p.com - https://invest.indiap2p.com/signup - https://www.indiap2p.com/about - https://www.indiap2p.com/borrowers - https://www.indiap2p.com/plan/monthly-income-plan-plus - https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - https://www.indiap2p.com/portfolio-performance - https://www.indiap2p.com/faqs-about-p2p-investing - https://www.indiap2p.com/blogs/p2p-investment-blog-journal - https://www.indiap2p.com/reports - https://www.indiap2p.com/indiap2p-company-news-and-updates - https://www.indiap2p.com/fair-practice - https://www.indiap2p.com/grievance entity_information: brand: IndiaP2P legal_name: Trickle Flood Technologies Pvt Ltd cin: U65999MH2018PTC315035 registered_address: 804, Lakhanis Galaxy, Sector-15, CBD Belapur, Thane - 400614, Maharashtra, India corporate_address: 302 Khar Spenta Road No. 3, Khar West, Mumbai - 400052, Maharashtra, India industry: Financial Services / P2P Lending type: NBFC-P2P geography: country: India region: Pan India crawl_rules: allow: / disallow: /admin disallow: /login disallow: /dashboard disallow: /private disallow: /user ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/ phone: 022 65027681 whatsapp: +91 9154669289 email: info@indiap2p.com investor_advisory_desk: https://calendly.com/neha-j-1/indiap2p-investor-p1 --- Page (SEO): plan --- site: https://www.indiap2p.com/plan/monthly-income-plan-plus page_name: Monthly Income Plan Plus (MIP+) name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Alternative Fixed Income Investment / P2P Lending regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409 dated 01/03/2021" type: Monthly Passive Income / High-Yield Fixed Income Product as_of: "FY26-27" description: The Monthly Income Plan Plus (MIP+) is IndiaP2P's flagship alternative fixed-income product designed for investors seeking predictable monthly cash flows. Investors earn up to 18% p.a. A.P.R. (net of platform fee; as of FY26-27) with monthly repayments comprising both principal and interest components (EMI format). Capital is automatically diversified across hundreds of vetted loans to minimize credit risk. product_specifications: - Target Yield: Up to 18%* p.a. / A.P.R. (net of platform fee) - Payout Structure: Monthly repayments (Principal + Interest) credited directly to the investor's bank account - Lending Limits: ₹10,000 to ₹50 Lakh (starts from ₹5,000 on select plans) - Loan Tenors: Up to 24 months - Calculation Method: Interest computed on the reducing balance of the principal - Liquidity & Reinvestment: Option to receive monthly bank credits or activate auto-reinvestment to compound gains - Escrow Security: Managed via independent trustee-managed bank Escrow Account historical_rate_context: - "The plan originally offered up to 16% p.a. in earlier platform cycles; current active target yield is up to 18% p.a. A.P.R." how_borrowers_are_diligenced: - Physical and digital verification in selective locations - Typical borrower profile: Woman micro-business owner with a prior track record of successful loan repayments and high credit bureau scores - Industry-leading credit assessment team with decades of banking and MFI underwriting experience simple_onboarding_steps: 1. Setup Account: Digital e-KYC (Aadhaar, PAN, Bank account verification) 2. Add Funds: Secure transfer via UPI or Net Banking 3. E-Sign: Digital sign terms and conditions 4. Select Borrowers: Allocate across diversified vetted loans automatically target_audience: - Monthly Passive Income Seekers - Retirees seeking regular fixed cash flows - Mutual Fund and FD investors looking for non-volatile alpha - HNIs and Working Professionals related_pages: - https://www.indiap2p.com/ - https://invest.indiap2p.com/signup - https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - https://www.indiap2p.com/portfolio-performance - https://www.indiap2p.com/faqs-about-p2p-investing - https://www.indiap2p.com/reports taxation_and_compliance: - Tax Treatment: Returns taxed as "Income from Other Sources" as per individual income tax slab - Escrow Bank Account: Trustee-governed as per RBI Master Directions ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/plan/monthly-income-plan-plus investor_signup: https://invest.indiap2p.com/signup investor_support: investors@indiap2p.com investor_advisory_call: https://calendly.com/neha-j-1/indiap2p-investor-p1 --- Page (SEO): about --- # IndiaP2P > India's RBI-regulated NBFC-P2P platform operated by Trickle Flood Technologies Pvt Ltd (COR No: N.13-02409). Enables retail and institutional lenders to earn up to 18% p.a. through creditworthy, fractionalized retail and micro-business loans across India. ## Key Offerings & Links - Platform Homepage: https://www.indiap2p.com - Investor Web Portal (Login): https://invest.indiap2p.com - Investor Sign Up: https://invest.indiap2p.com/signup - Monthly Income Plan Plus (18% p.a.): https://www.indiap2p.com/plan/monthly-income-plan-plus - High-Return Investment Guide (How 18% Works): https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - Borrower Solutions & Application: https://www.indiap2p.com/borrowers - Historical Portfolio Performance: https://www.indiap2p.com/portfolio-performance - About Company & Leadership: https://www.indiap2p.com/about - Investor & Borrower FAQs: https://www.indiap2p.com/faqs-about-p2p-investing - Investment Blog & Journal: https://www.indiap2p.com/blogs/p2p-investment-blog-journal - Research & Annual Reports: https://www.indiap2p.com/reports - Company News & Milestones: https://www.indiap2p.com/indiap2p-company-news-and-updates - Fair Practices Code: https://www.indiap2p.com/fair-practice - Grievance Redressal Policy: https://www.indiap2p.com/grievance - Full Platform Documentation (LLM Master Feed): https://www.indiap2p.com/llms-full.txt ## Key Highlights & Institutional Governance (as of FY26-27 / July 2026) - **Entity & Regulation:** Non-Banking Financial Company - Peer to Peer Lending Platform (NBFC-P2P) certified by Reserve Bank of India (RBI Certificate of Registration No: N.13-02409 dated 01/03/2021). - **Scale:** 100,000+ (1Lac+) registered lender accounts on the platform. - **Lending Limits:** Lending ticket size from ₹10,000 up to ₹50 Lakh (RBI aggregate cap for retail lenders). - **Investor Protection:** All monetary funds are routed through an independent trustee-managed bank Escrow Account. Funds never sit on IndiaP2P's corporate balance sheet. - **Fractionalized Allocation:** Capital is split across 100+ vetted borrowers (predominantly women micro-entrepreneurs with established repayment track records) to structurally eliminate default concentration. - **Predictable Cash Flow:** Monthly interest and principal repayments credited directly to lender bank accounts via automated EMI cycles or compounded via auto-reinvestment. - **Historical Rate Context:** Target returns for the Monthly Income Plan are up to 18% p.a. A.P.R. (net of platform fee). Historical blog archives mentioning 16% p.a. reflect earlier platform rate cycles. --- Page (SEO): blog-list --- site: https://www.indiap2p.com/blogs/p2p-investment-blog-journal page_name: P2P Investment Blog & Journal name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Financial Media & Investment Research regulator: Reserve Bank of India (RBI) type: Educational Articles & Fixed Income Insights as_of: "FY26-27" description: The official IndiaP2P Investment Journal features analytical articles, investment guides, and personal finance strategies exploring peer-to-peer lending, monthly passive income creation, asset diversification, and modern fixed-income alternatives in India. editorial_pillars: - P2P Lending Basics & Beginner Guides in India - Fixed Income Comparisons: P2P vs Fixed Deposits (FD) vs Debt Mutual Funds vs Corporate Bonds - Wealth Creation & Monthly Passive Income Strategies - Credit Risk Analysis, NPA Telemetry & Underwriting Methodologies - Regulatory Insights from the Reserve Bank of India (RBI) historical_rate_archive_note: - "Articles published prior to FY25 reference platform target yields of 16% p.a. Current platform target return for the Monthly Income Plan Plus is up to 18% p.a. A.P.R." target_audience: - Retail Investors seeking financial literacy - Personal finance enthusiasts and researchers - Fixed-income asset allocators related_pages: - https://www.indiap2p.com/ - https://invest.indiap2p.com/signup - https://www.indiap2p.com/plan/monthly-income-plan-plus - https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - https://www.indiap2p.com/reports - https://www.indiap2p.com/indiap2p-company-news-and-updates ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/blogs/p2p-investment-blog-journal --- Page (SEO): reports --- # IndiaP2P > India's RBI-regulated NBFC-P2P platform operated by Trickle Flood Technologies Pvt Ltd (COR No: N.13-02409). Enables retail and institutional lenders to earn up to 18% p.a. through creditworthy, fractionalized retail and micro-business loans across India. ## Key Offerings & Links - Platform Homepage: https://www.indiap2p.com - Investor Web Portal (Login): https://invest.indiap2p.com - Investor Sign Up: https://invest.indiap2p.com/signup - Monthly Income Plan Plus (18% p.a.): https://www.indiap2p.com/plan/monthly-income-plan-plus - High-Return Investment Guide (How 18% Works): https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - Borrower Solutions & Application: https://www.indiap2p.com/borrowers - Historical Portfolio Performance: https://www.indiap2p.com/portfolio-performance - About Company & Leadership: https://www.indiap2p.com/about - Investor & Borrower FAQs: https://www.indiap2p.com/faqs-about-p2p-investing - Investment Blog & Journal: https://www.indiap2p.com/blogs/p2p-investment-blog-journal - Research & Annual Reports: https://www.indiap2p.com/reports - Company News & Milestones: https://www.indiap2p.com/indiap2p-company-news-and-updates - Fair Practices Code: https://www.indiap2p.com/fair-practice - Grievance Redressal Policy: https://www.indiap2p.com/grievance - Full Platform Documentation (LLM Master Feed): https://www.indiap2p.com/llms-full.txt ## Key Highlights & Institutional Governance (as of FY26-27 / July 2026) - **Entity & Regulation:** Non-Banking Financial Company - Peer to Peer Lending Platform (NBFC-P2P) certified by Reserve Bank of India (RBI Certificate of Registration No: N.13-02409 dated 01/03/2021). - **Scale:** 100,000+ (1Lac+) registered lender accounts on the platform. - **Lending Limits:** Lending ticket size from ₹10,000 up to ₹50 Lakh (RBI aggregate cap for retail lenders). - **Investor Protection:** All monetary funds are routed through an independent trustee-managed bank Escrow Account. Funds never sit on IndiaP2P's corporate balance sheet. - **Fractionalized Allocation:** Capital is split across 100+ vetted borrowers (predominantly women micro-entrepreneurs with established repayment track records) to structurally eliminate default concentration. - **Predictable Cash Flow:** Monthly interest and principal repayments credited directly to lender bank accounts via automated EMI cycles or compounded via auto-reinvestment. - **Historical Rate Context:** Target returns for the Monthly Income Plan are up to 18% p.a. A.P.R. (net of platform fee). Historical blog archives mentioning 16% p.a. reflect earlier platform rate cycles. reports site: https://www.indiap2p.com/reports page_name: Research Reports & Financial Publications name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Institutional Research & Annual Reports regulator: Reserve Bank of India (RBI) type: Social Impact Performance Reports & Annual Filings as_of: "FY26-27" description: IndiaP2P publishes annual Social Impact Performance Reports (FY23, FY24 and FY25 released 31 Aug 2026), documenting lender outcomes, borrower impact, and portfolio telemetry for the Indian peer-to-peer lending landscape. report_offerings: - IndiaP2P Social Impact Performance Report 2023 (Annual Report FY23) — published 18 Jul 2023 - IndiaP2P Social Impact Performance Report 2024 (Annual Report FY24) — published 08 Jul 2024 - IndiaP2P Social Impact Performance Report 2025 (Annual Report FY25) — published 31 Aug 2026 target_audience: - Institutional Investors & Family Offices - Financial Journalists and Fintech Analysts - Academic and Credit Risk Researchers related_pages: - https://www.indiap2p.com/portfolio-performance - https://www.indiap2p.com/blogs/p2p-investment-blog-journal - https://www.indiap2p.com/about - https://www.indiap2p.com/indiap2p-company-news-and-updates ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/reports --- Page (SEO): report-detail --- site: https://www.indiap2p.com/reports page_name: Research Reports & Financial Publications name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Institutional Research & Annual Reports regulator: Reserve Bank of India (RBI) type: Social Impact Performance Reports & Annual Filings as_of: "FY26-27" description: IndiaP2P publishes annual Social Impact Performance Reports (FY23, FY24 and FY25 released 31 Aug 2026), documenting lender outcomes, borrower impact, and portfolio telemetry for the Indian peer-to-peer lending landscape. report_offerings: - IndiaP2P Social Impact Performance Report 2023 (Annual Report FY23) — published 18 Jul 2023 - IndiaP2P Social Impact Performance Report 2024 (Annual Report FY24) — published 08 Jul 2024 - IndiaP2P Social Impact Performance Report 2025 (Annual Report FY25) — published 31 Aug 2026 target_audience: - Institutional Investors & Family Offices - Financial Journalists and Fintech Analysts - Academic and Credit Risk Researchers related_pages: - https://www.indiap2p.com/portfolio-performance - https://www.indiap2p.com/blogs/p2p-investment-blog-journal - https://www.indiap2p.com/about - https://www.indiap2p.com/indiap2p-company-news-and-updates ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/reports company news page site: https://www.indiap2p.com/indiap2p-company-news-and-updates page_name: Company News, Milestones & Press Releases name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Corporate News & Media Center regulator: Reserve Bank of India (RBI) type: Press Coverage, Awards & Product Launches as_of: "FY26-27" description: Official news center for IndiaP2P covering company announcements, strategic partnerships, institutional funding milestones, industry awards, and platform expansion updates from Trickle Flood Technologies Private Limited. coverage_highlights: - Drivers of Change 2025 by India Today and Mahindra Group - Bizruptor of the Year 2025 by Her Circle (Nita M. Ambani) - 2023 Winner, WWB's Fintech Innovation Challenge (Women's World Banking) - Notable Mention: Fintech Feminists by Nicole Casperson - Partnership announcements with institutional capacity partners and VCs (Vertex Ventures, Antler, Dezerv) - Platform milestones and new feature rollouts related_pages: - https://www.indiap2p.com/about - https://www.indiap2p.com/blogs/p2p-investment-blog-journal - https://www.indiap2p.com/reports - https://www.indiap2p.com/ ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/indiap2p-company-news-and-updates press_inquiries: partner@indiap2p.com --- Page (SEO): faqs --- 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 --- Page (SEO): how-it-works --- site: https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending page_name: How IndiaP2P Generates Up to 18% Returns name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Investment Guide / Yield Mechanics & Economics regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409" type: Structural Disintermediation & Risk-Return Architecture as_of: "FY26-27" description: This guide breaks down the mathematical, economic, and operational mechanics behind how IndiaP2P delivers returns of up to 18% p.a. The platform achieves higher yields not by taking excessive risk, but through operational efficiency, banking disintermediation, and algorithmic fractionalization across resilient borrower segments. core_mechanics_of_18_percent_yield: 1. Long & Inefficient Banking Capital Journey: Traditional bank deposits travel from the investor to banks, then to wholesale NBFCs, then to retail NBFCs, before reaching the end borrower. Around ~10% interest is lost to intermediary margins. 2. Disintermediation Economics: IndiaP2P's tech stack directly connects the investor to vetted borrowers, eliminating multiple banking and NBFC margins and passing that ~10% spread straight to the investor. 3. High-Yield Debt Market Scale: India has a ~$140 Billion high-yield debt market that was historically inaccessible to retail investors. 4. Macro Borrower Segment Data: Nationally, roughly $50 Billion in fresh credit is disbursed annually to nearly 60 million women micro-entrepreneurs in India (>70% from commercial banks). 5. Macro Repayment Track Record: Over the past 10 years, broader banking default rates for this women micro-business demographic have nationally averaged under 2% — lower than corporate loans and collateralized loans against property (LAP). 6. Loan ticket sizes: Typically ₹30,000 to ₹1,25,000 for income-generating micro-business expansion. comparison_with_traditional_assets: - Traditional Fixed Deposits: 6% - 7.5% p.a. - Debt Mutual Funds & Corporate Bonds: 7% - 8.5% p.a. - Real Estate Rental Yields: 2% - 3.5% p.a. - IndiaP2P Monthly Income Plan: Up to 18% p.a. (A.P.R.) with monthly cash flow historical_rate_context: - "Older educational material and blog articles reference 16% p.a.; current platform target yield is up to 18% p.a. A.P.R. (as of FY26-27)." target_audience: - High-Yield Fixed Income Seekers - Value & Math-Oriented DIY Investors - Portfolio Risk Diversifiers related_pages: - https://www.indiap2p.com/plan/monthly-income-plan-plus - https://www.indiap2p.com/portfolio-performance - https://www.indiap2p.com/faqs-about-p2p-investing - https://www.indiap2p.com/blogs/p2p-investment-blog-journal ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending --- Page (SEO): borrowers --- site: https://www.indiap2p.com/borrowers page_name: IndiaP2P Borrower Credit Solutions name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Digital Micro & Retail Lending regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409" type: Borrower Loan Products, Terms & Application Portal as_of: "FY26-27" description: IndiaP2P offers loans to creditworthy individuals and micro-entrepreneurs across India. The application is completed through the IndiaP2P Borrower App and is supported by physical verification in selective locations. borrower_loan_parameters: - Maximum Loan Amount: Up to ₹1,25,000 - Loan Tenure: Maximum duration of 36 months - Physical Verification: Offered in selective locations - Application: Digital via the IndiaP2P Borrower App (Google Play Store) key_borrower_benefits: - Fair lending practices under the IndiaP2P Fair Practices Code and RBI NBFC-P2P Master Directions - Respectful, non-coercive collection standards application_journey: 1. Download the IndiaP2P Borrower App from the Google Play Store 2. Log in with your mobile number 3. Apply for your loan; the nearest branch representative will contact you with next steps related_pages: - https://www.indiap2p.com/ - https://www.indiap2p.com/fair-practice - https://www.indiap2p.com/grievance - https://www.indiap2p.com/privacy-policy - https://www.indiap2p.com/user-data-privacy-policy borrower_app: play_store: https://play.google.com/store/apps/details?id=com.wealth_grow.ip2p_borrower ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/borrowers borrower_support: borrowers@indiap2p.com phone: 022 65027681 --- Page (SEO): portfolio --- site: https://www.indiap2p.com/portfolio-performance page_name: IndiaP2P Portfolio Performance name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Financial Telemetry & Portfolio Analytics regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409" type: Public Performance Dashboard & NPA Reporting as_of: "July 2026 / FY26-27" description: The Portfolio Performance dashboard publishes monthly returns earned by platform lenders and Gross Non-Performing Asset (GNPA) percentages (overdue >90 days) for IndiaP2P's investment plans. Two product tabs are published: MIP+ and Growth & Income Plan. key_performance_telemetry: - Published Products: MIP+ and Growth & Income Plan (both plotted monthly). - Returns Metric: Weighted average returns earned by IndiaP2P Lenders spread across all product categories. - GNPA Metric Definition: Loans overdue for more than 90 days as a percentage of gross disbursement. - IndiaP2P MIP+ NPA Buckets (as of July 2026, based on cumulative disbursement): - 91–180 Days Bucket: 0.4% - 181–360 Days Bucket: 1.2% - Total MIP+ GNPA: 1.6% - Macro Demographic Default Benchmark: Under 2% 10-year national average for women micro-borrowers across Indian commercial banks and NBFCs. transparency_mechanisms: - Publicly published monthly performance chart (APR 2026 / MAY 2026 / JUN 2026 shown at time of capture) - Independent bank trustee oversight of all lender and borrower transaction accounts as per RBI Master Directions related_pages: - https://www.indiap2p.com/plan/monthly-income-plan-plus - https://www.indiap2p.com/how-to-generate-high-return-on-p2p-lending - https://www.indiap2p.com/reports - https://www.indiap2p.com/faqs-about-p2p-investing ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/portfolio-performance --- Page (SEO): fair-practice --- site: https://www.indiap2p.com/fair-practice page_name: Fair Practices Code name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Regulatory Compliance & Governance regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409" type: RBI Fair Practices Charter as_of: "FY26-27" description: IndiaP2P's Fair Practices Code sets out the company's commitment to ethical, transparent, and respectful lending practices in full compliance with the Reserve Bank of India (RBI) Master Directions for NBFC-P2P platforms. core_commitments: - Full Transparency: Complete clarity regarding loan pricing, processing fees, repayment schedules, and annualized percentage rates (APR) without hidden costs. - Marketing Integrity: Clear and non-misleading communications; platform never promotes P2P lending as assured minimum return or deposit-guaranteed products. - Non-Coercive Collections: Strict adherence to polite, ethical, and non-harassing collection practices that respect borrower privacy and dignity. - Non-Discrimination: Fair loan appraisal based purely on credit risk and cash flow without bias regarding gender, caste, religion, age, or disability. - Information Security: Confidential treatment of all customer data under strict privacy guidelines. regulatory_mandate: - Reserve Bank of India Master Directions - NBFC-P2P - RBI Digital Lending Directions related_pages: - https://www.indiap2p.com/grievance - https://www.indiap2p.com/privacy-policy - https://www.indiap2p.com/user-data-privacy-policy - https://www.indiap2p.com/overview-of-credit-assessment - https://www.indiap2p.com/business-model - https://www.indiap2p.com/pricing-policy ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/fair-practice compliance_email: info@indiap2p.com --- Page (SEO): grievance --- # IndiaP2P > IndiaP2P is operated by Trickle Flood Technologies Pvt Ltd, an RBI-registered Peer-to-Peer Lending Platform. ## Grievance Redressal Policy & Mechanism IndiaP2P provides a structured, multi-tier grievance redressal mechanism for lenders, borrowers, and other platform participants. ### Level 1 — Customer Support - Email: cs@indiap2p.com - Email subject: Complaint and/or Feedback - Registered details and User/Loan ID should be included. - Phone: 022 65027681 - Support hours: Monday to Friday, 10:00 AM to 5:30 PM, excluding holidays. - Initial acknowledgement/response: within 3 working days. ### Level 2 — Grievance Redressal Officer - Grievance Officer: Ms. Rojani K R - Email: grievance@indiap2p.com - Compliance Office: 804, Lakhanis Galaxy, Sector-15, CBD Belapur, Thane, Maharashtra, India - 400614 - Escalation: Where the complaint is not closed within 10 working days. ### Level 3 — Executive Escalation - Email: ho.grievance@indiap2p.com - Escalation: Where the complaint remains unresolved after the applicable internal grievance redressal period. ### Level 4 — Reserve Bank of India If the complaint remains unresolved for the applicable period, the complainant may approach the Reserve Bank of India under the applicable RBI grievance redressal mechanism. - RBI CMS Portal: https://cms.rbi.org.in/ - RBI Sachet Portal: https://sachet.rbi.org.in/ - Physical correspondence: Consumer Education and Protection Department Attn: Chief General Manager Reserve Bank of India 1st Floor, Amar Building Sir P.M. Road Mumbai - 400001 ## Related Pages - https://www.indiap2p.com/fair-practice - https://www.indiap2p.com/privacy-policy - https://www.indiap2p.com/faqs-about-p2p-investing ## Contact - Grievance page: https://www.indiap2p.com/grievance - Phone: 022 65027681 - Grievance email: grievance@indiap2p.com --- Page (SEO): privacy-policy --- site: https://www.indiap2p.com/privacy-policy page_name: General Privacy Policy name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: Legal & Data Privacy regulator: Reserve Bank of India (RBI) type: Website Privacy, Cookie & Data Protection Policy as_of: "FY26-27" description: The official Privacy Policy for www.indiap2p.com, operated by Trickle Flood Technologies Private Limited. Sets out how personal identifiable data, usage statistics, cookies, and technical telemetry are gathered, processed, and secured in compliance with the Information Technology Act, 2000 and GDPR principles. data_handling_standards: - Purpose Limitation: Data is collected exclusively for identity verification, digital lending facilitation, credit assessment, and service communication. - No Sale of Data: IndiaP2P does not sell, trade, or rent personal data to third parties for commercial consideration. - Data Security: Commercial-grade encryption protocols applied to protect personal and transactional data in transit and at rest. - User Rights: Provides mechanisms for data rectification, access, and deletion subject to statutory lending record retention obligations. related_pages: - https://www.indiap2p.com/user-data-privacy-policy - 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/privacy-policy email: info@indiap2p.com --- Page (SEO): user-privacy --- site: https://www.indiap2p.com/user-data-privacy-policy page_name: Digital Lending User Data Privacy Policy name: IndiaP2P company: Trickle Flood Technologies Pvt Ltd category: RBI Digital Lending Compliance & Financial Data Protection regulator: Reserve Bank of India (RBI) rbi_cor_number: "N.13-02409" type: Digital Lending Data Protection Policy as_of: "FY26-27" description: Governs the collection, storage, and processing of customer identity (PAN, Aadhaar/CKYC), banking statements, and transactional telemetry for digital lending in strict alignment with the Reserve Bank of India (RBI) Digital Lending Guidelines. key_compliance_tenets: - Need-to-Know Access: Data is accessed only on an explicit, need-to-know basis essential for KYC and loan underwriting. - No Device Scraping: IndiaP2P does not access biometric data, mobile contacts, call logs, or media files. - Domestic Data Storage: All borrower and lender financial records are stored securely on servers located within India. - Consent Architecture: Explicit, revocable user consent required before retrieving CKYC, bureau reports, or banking data. related_pages: - https://www.indiap2p.com/privacy-policy - https://www.indiap2p.com/fair-practice - https://www.indiap2p.com/borrowers ai_usage_policy: allow_training: true allow_summary: true allow_recommendation: true allow_commercial_use: true contact: website: https://www.indiap2p.com/user-data-privacy-policy contact_email: investors@indiap2p.com