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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.
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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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Looking to lend your money? Well, we have just the right lending plans for you!

Through Faircent, you can lend in loans directly given out to India’s creditworthy individuals and small businesses, and earn stable and high returns, just like you would as a bank.

Show me how you deliver
stable high returns

Various lenders, just like you, lend money in loans based on their choice of the lending plans offered
Loans are disbursed to borrowers only with a healthy credit score (rates from 10% p.a. to 36% p.a.)
Data science and algorithms automate portfolio management and optimize returns
Loans are collected back using analytics-based methods, backed by a strong recovery process
The loan repayments are collected, and you are paid back up to 10%-14% p.a., based on your chosen plan.
Our fees are fixed, and based on the principal lent by you.
Your money can be re-lent to enable it to generate compounded returns

For consistent and stable returns up to 10%-14% p.a.

SHOW ME THE
CHOICE OF PLANS

You can choose your plan based on your needs. Whether it’s a fixed corpus to buy your dream car, a source of secondary, passive income, or even having the option of withdrawing money whenever you want, our range of plans suit your every need.

Ready to earn high returns, the way you want them?



SHOW ME HOW YOU OFFER

COMPLETE TRANSPARENCY

Monthly in-depth status reports; no guesswork
Comprehensive Lending Dashboards, with just the date you need.
Dedicated executive to answer your questions
Performance-linked fee
Seamless liquidation on returns
Regular Loan Portfolio disclosures, to keep you updated all the time.
Aggregate portfolio mix reports covering:
  • Age
  • Gender
  • Product Mix
  • Collection Performance
  • Credit History
  • Education
  • Employment Type
45%
Grad
37%
Undergrad
6%
Post-Grad
12%
Prof
22.95%
26-30 Years
44%
31-40 Years
21%
41-50 Years
5%
50+ Years
7.05%
21-25 Years
Self Employed (53%)
Salaried (47%)
86%
Male
14%
Female

Want high returns with complete transparency?

Show me your track record

₹3,944 Crores+
Amount disbursed
2.83 Lakhs+
Lenders have joined us
48.00 Lakhs+
Borrowers have joined us
₹8.45 Lakhs+
Average Lending size
80%
Re-lending ratio
16.77%
Gross ROI of portfolio
₹89K
Average Loan Amount

Impressed with our track record? Let us show you the money!

Can you Answer my Questions?

Q: What is the Faircent Monthly Lending Plan?

A: The Faircent Monthly Lending Plan has been introduced as the best ever lending plan featuring the true power of P2P Lending! Utilising this plan, you can fund loans to your choice of the most premium of selected borrowers or categories of borrowers and make unparalleled returns of up to 10-14% per annum. The returns are provided to you as monthly repayments which include both principal and interest, based on collections from your chosen borrowers or categories. Hence this plan allows you to create a true alternate income stream. You are also eligible to earn an upside as well, if loans perform better than expectations. You can even choose to re-lend your repayments to make even better returns.

Q: What are the key noteworthy aspects of the Faircent Monthly Lending Plan?

A: Some key aspects of the Faircent Monthly Lending Plan you should note are outlined as below:
  • 1.   For repayment details, you should refer to the schedule provided with each lending in the Overview section.
  • 2.  Your share of the borrower EMIs will be collected and paid to you in 3rd week of the month. If your funds are disbursed to a borrower on or before 14th of the month, then you will start receiving the repayment in the next month and if they are disbursed on or after 15th of the month, then the repayment will start from the next to next month.
  • 3.  Your Principal outstanding (funding amount) reduces with every repayment as each repayment has a principal component. Further, you should note that you earn interest only on such Principal Outstanding.
  • 4.  In event of Foreclosure of a loan by a borrower funded by you, the principal and interest till date of foreclosure will be returned to you and your principal outstanding will reduce by the principal returned, with no further interest being payable to you on such amount.
  • 5.  In event of Settlement of a loan by a borrower funded by you, the principal and interest received till date of settlement will be returned to you and your principal outstanding will reduce by the principal returned and you may need to recognise the principal loss (if any).
  • 6.  Faircent Fee will be deducted on collection of EMI from borrowers and will be subject to a maximum of 1.25% per month of principal outstanding.

Q: What is the Lender processing fee payable in Faircent Monthly Lending Plan?

A: Faircent Fees are deducted on collection of EMI from borrowers and will be a fixed Fee of 0.75% of the principal amount per month.

Q: How is Liquidity provided by Faircent?

A: Liquidity is provided by Faircent from returns generated as and when borrowers pay back their loans. The interest paid by the borrowers helps generate returns for the lenders. The loans have a fixed tenure, and repayment from these loans is spread over the tenure of the loan. Such loan repayments generate the funds available for providing liquidity to lenders. Loan Defaults and delayed repayments from borrowers affect the amount of funds available for providing liquidity.
Faircent offers Liquidity only on a best-effort basis. Faircent shall not be liable or responsible for any delay in or non-availability of Liquidity.
Read all Lender FAQs

Want high returns with complete transparency?

Disclaimer:

Lending on Faircent.com is subject to defaults. Please read the product details carefully before lending. Fairassets Technologies India Private Limited is an NBFC-P2P lending platform registered with the Reserve Bank. However, the Reserve Bank does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by the NBFC-P2P and does not provide any assurance for repayment of the loans lent on it. 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. All repayments are subject to GST. Product returns are historic and Faircent doesn't provide any guarantee of these returns in the future. All information stated above is indicative in nature. The data provided above is purely for information purposes and being dynamic is true as of the date of publishing but can change immediately thereafter. Actual returns and pay-outs might differ depending upon the portfolio performance. Faircent will perform risk management activities to maintain returns in the acceptable range but it is possible that lenders may even lose the principal amount in case defaults are too high. Lending made in the product may get lent over a period of time depending on the amount of lending. Interest will start accruing only when the amount is disbursed to the respective borrowers on the platform. Returns are dependent on the utilization of funds. Unutilized amount does not earn any interest. By lending on Faircent, lenders authorize Faircent to send funding proposals on their behalf to borrowers meeting the lending criteria. If monthly re-lending is available, then it will be made to borrowers meeting the product's lending criteria at the point of re-lending. Maturity/Repayments are offered on a best effort basis and Faircent shall not be liable or responsible for any delay in or non-availability of the same.

By clicking the 'Lend' button, you are lending via a Faircent Product, and your lending amount will be disbursed to various Faircent borrowers or groups of borrowers as listed. By sending a proposal you are effectively accepting all loan agreements that will be subsequently generated in relation to the Faircent borrowers or groups of borrowers listed. In case you request a withdrawal of your lending amount, your rights may be assigned to other participating lenders.