Use the power of Data Science and Compounding to earn up to 12% p.a. (Flat) returns by investing in loans to India’s creditworthy small businesses and consumers with the Faircent Double.

Minimum Investment: Rs 50,000

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I have read and agreed to the Terms Of Use and Privacy and Security Policy I have understood all the risks associated with the lending transactions and acknowledge that Faircent does not assure the return of principal or payment of interest. I am aware that there exists a likelihood of loss of entire principal in case of default by a borrower. Faircent does not provide any assurance or guarantee for the recovery of loans and does not promote peer-to-peer lending as an investment product with features like tenure-linked assured minimum returns, liquidity options, etc.
I authorize Faircent.com to make any enquiries with any finance company or bank or credit bureau regarding my credit history. I consent to the search, download, and upload of my CKYC information to CERSAI.
I declare that the funds used or intended to be used by me on this platform are from legitimate sources and are not involved in money laundering, terrorism financing, or any illegal activities. I acknowledge compliance with Anti-Money Laundering (AML) regulations and agree to provide additional information if required. I understand that false information may lead to appropriate actions, including reporting to authorities. I have also read and understood this in the Terms of Use.
I have read and understood the Master Direction - Non-Banking Financial Company - Peer to Peer Lending Platform (Reserve Bank) Directions, 2017, along with other applicable guidelines issued by the Reserve Bank of India for NBFC-P2P. I agree to stay informed of any updates and their implications and to be bound by them including the retrospective changes. I have formed my own opinion regarding the validity of the features offered by the Platform from the regulatory perspective. In the event regulatory changes/clarification/review prevent the Company from providing the features of the product as originally offered, the Company reserves the right to modify such features to ensure compliance with applicable regulatory requirements without any further consent. I accept that any guideline updates will have the override effect on existing terms of the product.
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Key Features

Invest using Data Science

Unique Diversification Algorithm

Performance linked Processing Fees

Liquidity after selected tenure

Non-Volatile Flat Returns

Stable and High Returns

Low correlation with stock market

Constant Portfolio Monitoring for Recalibration

How does the Faircent Double work?

  • Interested lenders pool in their money and authorize Faircent to disburse this into a diverse mix of loans offered to borrowers who as per Faircent’s algorithms have the repaying capacity to provide aggregate returns of up to 12% p.a.
  • Leveraging the power of data and analytics, a scientific approach is used for portfolio building. This helps you save time and energy while achieving efficiency in managing your portfolio.
  • Portfolio is constantly monitored and recalibrated. Analytics based approach to collection strategy and execution.
  • Portfolio offers loans to credit-worthy borrowers with proven track records and a healthy credit score, and a majority have no defaults in their loan servicing history.
  • Processing Fees are only payable after you have earned the returns as per your investment plan. Eg. If the net returns post default are 15% p.a. and the lender has chosen tenure option with 12% p.a. (Flat) returns, then the Faircent Performance linked processing fee will be 3%. If the net returns post default (if any) are 11.5% p.a. and the lender has chosen tenure option with 12% p.a. (Flat) returns, then the lender will receive 11.5% p.a., while Faircent performance linked processing fee will be nil.
  • Reinvestment option available to benefit from compounding returns.

Why Faircent.com?

Faircent.com is India’s largest P2P lending platform and first to be recognized as an NBFC-P2P by the Reserve Bank of India. It provides you with a digital platform to invest directly in India’s local businesses through a variety of loan products enabling you to diversify your investment portfolio and earn stable and high returns just like a bank.

India's Largest P2P lending platform with Lakhs of registered lenders and borrowers

1st NBFC-P2P Regulated by RBI

Lakhs of loans seamlessly disbursed every month

Tech-enabled platform to facilitate risk management

Simple, transparent and online investing experience seamlessly managed by Faircent

Rs.2500+ Crores loan amount disbursed till date

Awards & Recognitions

Faircent.com is recognised in India and the world over for its tremendous potential as a P2P Lending platform.

Here’s what Mr. Sharad Sharma, an Faircent Double investor has to say:

"Faircent Double is a great option to earn flat returns on my investment while also helping to increase my portfolio stability. Knowing that my investment is going to India's local business owners has been a very fulfilling experience. Faircent.com has made the process really very simple."

Disclaimer:

Lending on Faircent.com is subject to defaults. Please read the product details/borrower profiles carefully before investing. Fairassets Technologies India Pvt Ltd (Faircent.com) is having a valid certificate of registration dated May 16th, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or the opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company. All repayments are subject to GST. Product returns are historic and Faircent doesn’t provide any guarantee of these returns in the future. Faircent will perform risk management activities to maintain returns in the acceptable range but it is possible that lenders may even lose principal amount in case defaults are too high. Investment made in the product may get invested over a period of time depending on the amount of investment. Interest will start accruing only when the amount is disbursed to the respective borrowers on the platform. Returns are dependent on utilization of funds. Unutilized amount lying in the pool does not earn any interest. By investing in this product, lenders authorize Faircent to send funding proposals on their behalf to borrowers meeting the investment criteria. If monthly re-investment is available for this product, then it will be made to borrowers meeting the product’s investment criteria at the point of reinvestment. The Faircent Systematic Income Generation Plan / Faircent Double “Freedom Plan” gives lenders the ability to request for a release of the amounts invested by such Lender in the Freedom Plan, to their escrow account on demand and as per requirement of the Lender. Funds can only be released from the “Freedom plan” to escrow account of the Lender maintained on the Faircent's platform or moved to another plan post 24 hours of the investment. Investments which are released to the escrow account of the Lender prior to a 30 day term may attract a lower interest rate which will be as published by Faircent, in its sole discretion and notified to the Lender on the lender’s dashboard on Faircent.com. Faircent reserves the right to change such interest rates without notice and shall not be liable for any deficiency in amount that may be received by the Lender as a result of investment in Freedom Plan. At the end of every financial quarter all the funds in the Freedom plan will be automatically released to the escrow account of the Lender and shall be automatically reinvested in the same Freedom plan. Faircent charges management fees which will be invoiced and deducted on every release of an investment to escrow and the management fees shall be charged in accordance with the terms and conditions of the Plan provided to the Lender by Faircent. Lender shall be solely responsible to choose the Plan in which the Lender wants to invest. Faircent shall not be liable or responsible for any loss caused to the Lender on account of the Lender investing in any Plan. Liquidity is offered on a best effort basis and Faircent shall not be liable or responsible for any delay in or non-availability of Liquidity.

By registering as Lender on the Site, a lender agrees that he/she has not lent any amount exceeding INR 50,00,000 (Rupees Fifty Lakhs only) across all the P2P platform in India and also agree that he/she will not exceed the limit specified by the RBI for lending on p2p platforms in India. In case a lender is investing more than INR 10,00,000 (Rupees Ten Lakhs only) across P2P platforms he/she shall produce a certificate to P2P platforms from a practicing Chartered Accountant certifying their minimum net-worth of INR 50,00,000 (Rupees Fifty Lakhs only).

By registering as a Borrower on the site, a borrower agrees that he/she has not borrowed any amounts exceeding INR 10,00,000 (Rupees Ten Lakhs only) across all the P2P platform in India and also agree that he/she will not exceed the limit specified by the RBI for borrowing on p2p platforms in India. The borrower also agrees that he/she has not borrowed more than INR 50,000 (Rupees Fifty Thousand only) from the same Lender across all P2P platforms in India.