# LenDenClub - P2P Lending — Peer to Peer Lending > RBI-registered P2P lending platform for investors and borrowers. (iPhone/iPad app by Innofin Solutions Private Limited.) - Source: https://appshunter.io/ios/app/lendenclub-p2p-lending/id1389013846 (this page in markdown: same URL + `.md`) - Developer: [Innofin Solutions Private Limited](https://appshunter.io/developer/1389013845) - Category: Finance - Price: Free - Rating: 4.43/5 from 1,672 App Store ratings · 29 written reviews indexed - Age rating: 4+ - Requires: iOS 16.1 · 106 MB - Languages: American English - Released: 2018-06-23 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lendenclub-p2p-lending/id1389013846/reviews.md ## What is LenDenClub? It’s time to diversify beyond market-linked instruments. You have already invested in stocks, mutual funds, bonds; now there is a fourth option. One that most professionals at your income level haven’t seriously considered, not because it isn’t credible, but because no one explained it plainly. LenDenClub is an RBI-registered peer-to-peer lending platform where individuals allocate surplus capital into structured credit opportunities across thousands of verified borrowers. Monthly repayments return to your account on schedule. The allocation decisions are entirely yours. ₹18,000 Cr+ has been deployed on the platform. On average, investors deploy ₹2 lakh. 9 out of 10 people have historically earned more than 12% interest per annum. WHO USES LENDENCLUB Senior Professionals & CXOs Deploy surplus income in a structured alternative to fixed income instruments — with monthly returns and full visibility. Entrepreneurs & Business Owners Put idle liquidity to work between business decisions, without locking capital away. Family Offices & HNIs Part of a broader capital allocation approach, monthly repayments, thousands of borrowers, zero single-point exposure. NRIs & Global Professionals Consistent India exposure with structured returns and a fully digital experience. COMMON QUESTIONS (FAQs) Is it safe? Every rupee moves through a bank-managed escrow, LenDenClub never holds your funds. The platform is RBI-registered, NBFC-P2P licensed, and operates within all regulatory guidelines. Borrower verification is structured and documented; includes 660+ data point verification. Is 12% interest per annum real? 9 out of 10 participants have historically earned more than 12% interest p.a. ₹18,000 Cr has moved through this platform. These are historical outcomes not projections. What if a borrower doesn’t repay? You spread your capital across thousands of individual borrowers, not one. A single default has a negligible impact on your overall earnings. Diversification is built into how the platform works. How do I start? Begin with ₹25,000. Add funds via UPI, Net Banking, IMPS, RTGS, or NEFT. Filter credit opportunities by risk grade, tenure, and rate of interest and more. Track everything in real time. BUILT ON TRUST - RBI-registered peer-to-peer lending platform - Escrow managed by a leading bank trustee — funds never held by LenDenClub - Structured borrower verification at every step - Fully digital, secure experience - Compliant with all regulatory guidelines SIMPLE. DISCIPLINED. TRANSPARENT. LenDenClub is built for individuals who value control, clarity, and consistency in how they use their money. If you are looking for an alternative investment option to manage your surplus funds, LenDenClub provides a reliable and transparent way to begin. Not a fixed-income instrument. Not a debt fund. A structured way to earn more from the money you’ve already earned. Disclaimer Note: P2P lending is subject to risks. And lending decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the invested amount will be recovered from the borrower. For terms, refer: https://www.lendenclub.com/terms-of-services/ For queries, reach us at support@lendenclub.com Privacy Policy: https://www.lendenclub.com/privacy-policy/ Gala 101, CTS No. 141, Kuber Chembers, Datta Mandir Road, Malad East, Mumbai – 400097, Maharashtra, India. ## Key features - Peer-to-peer lending platform - Low minimum investment - AI-powered investment strategies - Rigorous borrower credit assessment - Secure funds handling - Digital account opening ## Recent user reviews (10 of 29) All indexed reviews: https://appshunter.io/ios/app/lendenclub-p2p-lending/id1389013846/reviews.md ### 5/5 — My opinion *2026-07-02* Hello lenDen I’m using your app from last 3 months its a wonderful platform where we get interest for the minimum amount we invest in ,but there is a small problem :- every month whenever i get the repayment from the invested amount for which i get message from whatsapp but I’m not able to clarify from which person I’m getting the repayment and how much is balance it would be great to get that information also , thank you ### 1/5 — Fraud *2026-07-02* Absolutely one of the worst investment platforms I have ever used. My experience has been a complete disaster. I invested ₹10,000, but a significant portion of my money has turned into NPAs, and some loans show a 100% loss with zero recovery. Instead of earning returns, I ended up losing my hard-earned money. The platform makes investing look attractive, but when loans default, investors are left to bear the losses. I feel completely let down and regret trusting this app. If you value your money, think twice before investing here. There are far better and more transparent investment options available. Based on my experience, I would never recommend Lenden Club to anyone. ### 1/5 — Lack transparency *2026-06-17* I’ve invested in P2P lending before and switched to this app after the RBI regulations stalled this product from being offered in it’s original shape and form. To my disappointment, I noticed that I’ve actually received lesser money than what I’d invested owing to the non-performing loans and the fees they charged from me. I wouldn’t recommend this app to anyone primarily due to lack of transparency on the high fees they charge and for their incapability to recover the loan amount from a borrower. **Developer response:** We understand your concern and value your feedback. LenDenClub follows a transparent fee structure, with all applicable charges disclosed upfront on the platform to support operations, borrower evaluation, and collection efforts. Individual portfolio performance may vary based on borrower mix and repayment behavior, which can sometimes differ from platform-level metrics. Please rest assured that our recovery teams actively pursue overdue accounts to recover outstanding funds. We would like to look into your specific portfolio details; please write to support@lendenclub.com ### 1/5 — Please Don’t Invest hard earned money into P2P Trap *2026-05-18* I invested a small amount (around ₹3,000–₹4,000) in this P2P lending platform only to test the returns and understand how the platform works. I selected lower-risk/diversified borrower profiles expecting minimal but stable returns. However, I recently noticed that one of the borrower profiles I invested in is already marked as DPD (Days Past Due), and later classified as NPA with 137+ DPD. What concerns me most is that there was no proper investor notification or risk alert provided when the borrower profile started showing payment issues. If a borrower profile becomes risky or overdue shortly after investment, the platform should proactively inform investors and provide transparency. In my case, I also noticed negative returns/losses on invested amounts despite choosing what appeared to be safer borrower classifications. This review is not to discourage investing entirely, but to ask future investors to be cautious and thoroughly understand the risks before investing in P2P lending platforms. Please invest only after evaluating transparency, borrower tracking, notifications, and recovery mechanisms. My suggestion to the platform: Improve real-time risk alerts, borrower status transparency, and investor notifications. **Developer response:** Hi Krishna, Thank you for sharing your detailed feedback. We understand your concern regarding DPD/NPA visibility and investor alerts. Please note that borrower status, including DPD and NPA details, is available in the Manual Lending Report within the app. We also appreciate your suggestion on improving real-time alerts and notifications. Your feedback has been noted and shared with our product team for future enhancements. For any portfolio-specific concerns, please contact support@lendenclub.com. Team LenDenClub. ### 5/5 — Regular monthly emi@ p2p lending *2026-03-03* Date 02-March-2026 since last more than 3 months i am getting regular/daily emi..very happy Advice-please deploy only those amount in which in worst case if loss you don’t get effected.. Thanks lenden app team form proving us such simple way to generating such kind of income..🥳 **Developer response:** Hi Shivam, Thank you for your valuable feedback! 😊 We’re glad to know that you’re having a positive experience with regular EMI repayments and finding the platform helpful for generating income. Your advice on lending responsibly is absolutely right—P2P lending works best with a balanced and informed approach. We appreciate your support and trust in LenDenClub! 🚀 ### 2/5 — High platform fee . NOT WORTH *2025-12-11* Very high platform fee , infarct what you will get is less than bank interest , I did a math after 18 days and my interest is just 5.4% annualised … so think about it , for this interest without hassle you can FD in Bank. This is lending for high credit score customers, you may get high interest for low rated customers but you have to accept the risk involved … **Developer response:** Returns on LenDenClub vary based on borrower risk category, tenure, and repayment behavior. All fees are transparently disclosed before lending. For any clarification on your returns or fees, please contact us at support@lendenclub.com with your registered details. ### 5/5 — Manual lending rocks *2024-11-22* invest and get easy returns of 20% in less than 5 months. Overall the journey is smooth and transparent wrt to borrower profile and investing journey and its tracking. The good part is that none of my loans have defaulted; giving an amazing return of 20%+ ### 5/5 — Won my trust *2024-09-19* I had invested in the platform last year, the process right from adding the money, selecting the plan to finally withdrawing the matured amount was seamless. Kudos to the LenDenClub team. ### 5/5 — Amazing Application for Investment *2024-08-23* As an investor, Lenden Club has proven to be an excellent platform for generating consistent returns. The process of investing is straightforward, with a well-designed interface that allows me to easily track my investments and monitor the performance of my portfolio. ### 5/5 — . *2023-11-17* Discovering LenDenClub through a friend has been a blessing. My initial hesitation has turned into trust, and I'm increasingly comfortable with my investments. The platform's variety of investment options and the presence of a dedicated relationship manager make it exceptional. ## Frequently asked questions about LenDenClub ### What is LenDenClub? LenDenClub is India's largest Peer-to-Peer (P2P) Lending platform, registered as an RBI-registered P2P-NBFC. It facilitates investments for individuals seeking returns and provides loans to creditworthy borrowers. ### How much can I invest with LenDenClub? You can start investing with a minimum amount of INR 10,000 on LenDenClub. The maximum investment amount allowed is INR 50,00,000. ### What are the expected returns on LenDenClub? FMPP investors on LenDenClub have earned up to 12% p.a. since its launch. In Q1 FY24, annualized returns ranged from a minimum of 11.47% to a maximum of 11.92%. ### Is LenDenClub safe to use? LenDenClub is an RBI-registered P2P-NBFC and uses secure funds handling through ICICI Trusteeship Services. The platform also follows global standards of high-level data encryption for user data protection. ### What documents are required to open an account on LenDenClub? To open an account on LenDenClub, you will need your PAN Card, Aadhaar Card, and a photograph. The account opening process is 100% digital. ### Are there any fees for opening an account or withdrawing funds on LenDenClub? LenDenClub offers zero account opening fees and no withdrawal charges for its users. The platform also provides industry-best referral plans for passive income. ### Who is eligible to invest on LenDenClub? Any adult Indian citizen with a valid KYC and an Indian bank account can become an investor. Adult NRIs with an NRO account and Indian PAN are also eligible. ### How does LenDenClub assess borrowers? Borrowers on LenDenClub undergo rigorous KYC and credit assessment checks on over 600 parameters. Their repayment mechanism is supported by a dedicated collections team, and credit risk is further mitigated by AI-powered hyper diversification. ## Version history (last 5 releases) ### 5.36 — 2026-08-06 Improved payment experience for faster, smoother transactions. Enhanced Add Funds journey for a more seamless experience. ### 5.35 — 2026-07-24 Lend with greater ease and stay on top of your portfolio. • Track your portfolio and repayments more easily • Access key actions and insights from a redesigned Home Page • Navigate seamlessly across your lending journey • Enjoy a faster and more intuitive app experience ### 5.34 — 2026-06-09 We’ve made updates to give you more clarity on your activity and help you continue lending confidently. Track your repayments Now you can easily track your repayments, with a clear breakdown of principal and interest. See how you’re growing Now you can understand how your repayments are growing compared to your lending over time. Updated profile experience An improved More & Profile section with easier navigation and a more personalised experience. ### 5.33 — 2026-05-20 We’ve made updates to give you more clarity on your activity and help you continue lending confidently. Track your repayments Now you can easily track your repayments, with a clear breakdown of principal and interest. See how you’re growing Now you can understand how your repayments are growing compared to your lending over time. Updated profile experience An improved More & Profile section with easier navigation and a more personalised experience. ### 5.32 — 2026-04-24 We’ve redesigned your portfolio experience to make it simpler and more insightful. See your overall portfolio performance at a glance: -Track your total returns, total invested, and total received in one place -See how much you’ve received in repayments this month and how much you’ve invested -Understand your lending limit and available balance --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*