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LenDenClub - P2P Lending

LenDenClub - P2P Lending

Peer to Peer Lending

1.7K ratings
32 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • June 23, 2018
  • September 8, 2026

Features

Developer

Innofin Solutions Private Limited
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LenDenClub - P2P Lending screenshot #1 for iPhone
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LenDenClub - P2P Lending screenshot #8 for iPhone
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About

Invest in India's largest Peer-to-Peer lending platform. Start with as low as INR 10,000 and earn up to 12% p.a. through AI-powered diversification and rigorous borrower assessments.

✓Peer-to-peer lending platform
✓Low minimum investment
✓AI-powered investment strategies
✓Rigorous borrower credit assessment
✓Secure funds handling
✓Digital account opening
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What's New in LenDenClub

5.38

September 8, 2026

Navigation Improvements & Enhancements We’ve made a set of improvements to simplify navigation, enhance usability, and make key experiences easier to discover and use.

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User reviews

Most RecentHighest RatedLowest Rated

Very disappointing experience

I invested through Per Annum expecting a smooth and transparent investment experience. Unfortunately, my experience has been quite disappointing.

The biggest issue has been poor communication and lack of timely support. Getting clear updates regarding repayments and withdrawal of funds has been difficult, and responses to queries have not been satisfactory.

After going through the complete process, the returns were also much lower than what I expected, with very little actual gain considering the time the money remained invested.

Overall, I don’t feel the platform provided the level of transparency, communication, and service I expected. I would personally be very cautious before investing through Per Annum and would recommend doing proper due diligence first.

My experience: Not satisfactory.
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Sanchit4051Sanchit4051

Response from developer

Hi, We apologise for the inconvenience caused. We request you to kindly write to us at support@lendenclub.com with the details of your concern. Our team will review the matter and connect with you to assist you further. Team LenDenClub

Good Platform, but NPA Tracking Needs Improvement

The platform is good overall, but tracking NPA performance is unnecessarily difficult. The app clearly displays the interest earned and principal repaid, but there is no simple, prominent figure showing the total NPA incurred to date.

Users should be able to see a single NPA figure on the main dashboard, similar to how monthly principal and interest received are displayed. This would make it much easier to understand the actual portfolio performance and returns.

A clear and easily accessible NPA summary would significantly improve transparency and the overall user experience.
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Akhil91Akhil91

Response from developer

Thank you for the detailed feedback! The NPA amount can currently be viewed in the Closed Loans section of the Portfolio. We understand your suggestion to make this information more prominent on the main dashboard and have shared the feedback with our Product Team for consideration. Team LenDenClub

My opinion

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
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RahulPrasad25RahulPrasad25

Fraud

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.
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Amit ammyAmit ammy

Lack transparency

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.
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Srinivas SriramulaSrinivas Sriramula

Response from developer

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

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FAQ

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.