Investment Objective:
- The product attempts to generate moderate risk adjusted returns by focusing exclusively on matured businesses.
- It presents a unique feature for lenders to invest passively in a mix of borrowers thereby diversifying risks without compromising on returns.
Product Riskometer:
This product is suitable for lenders who are willing to:
- Invest specifically in borrowers with matured business set-up
- Take moderate risk

Standard Exclusions:
Following borrowers are excluded from this product:
- Selected high risk profiles
- Poor credit bureau score or recent defaults
- Non-residents Indian
- Age less than 21 years or more than 55 years
- Borrowers without KYC documents
Product Performance Trend:
Matured business borrowers have delivered moderate net returns (post default) consistently over the last 5 qtrs.

Released from January 2018
Presenting the "Best Biz" P2P Loan Product:
Our historical data suggests that borrowers with business stability of more than 5 years belong to the low risk category and are consistent in their repayments and hence become a sure bet for lenders to invest. Currently, approximately 30-35% of borrowers funded on our platform have their old business set-up.
Product Summary:
- Minimum investment amount is ₹30,000/-
- Maximum investment amount is ₹10,00,000/-
To mitigate investor’s overall risk, Faircent will deploy this investment into various risk categories as follows. Also, investment per borrower will be limited to ₹1,500/- to ₹10,000/- depending on the borrower risk category.
Minimal Risk | Low Risk | Medium Risk | High Risk | V. High risk | Unrated | |
Distribution of investment | 0-10% | 10-25% | 10-30% | 10-25% | 5-15% | 0-10% |
Lock-in and Re-investment option:
The repayments from this product will be automatically re-invested for a period of 12 months and cannot be withdrawn for 12 months. Post 12 months, you have an option to continue re-investment or make monthly withdrawals.
Investment simulation:
₹1 lakh invested in this product will deliver the following returns over 18-24 months.
Highest return% over last 5 qrtrs | Avg. return% over last 5 qrtrs | Lowest return% over last 5 qrtrs |
₹1,39,500/- | ₹1,33,500/- | ₹1,30,000/- |
Fees & charges:
Investment fees | 1% of the investment amount |
Collection / recovery fees | As per terms on the website |
Product Distribution:
Below charts give the distribution of all matured business borrowers on the platform on their bureau scores (based on their loan repayment history), their monthly income & their monthly fixed obligation to income ratio.
