# Monexo Investor — Earn 2X of Fixed deposits > Peer-to-peer lending marketplace for investors to earn higher returns on loans. (iPhone/iPad app by Monexo Fintech Private Limited.) - Source: https://appshunter.io/ios/app/monexo-investor/id1614462026 (this page in markdown: same URL + `.md`) - Developer: [Monexo Fintech Private Limited](https://appshunter.io/developer/1614462028) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 11.0 · 96 MB - Languages: English - Released: 2022-03-31 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/monexo-investor/id1614462026/reviews.md ## What is Monexo Investor? Monexo is a RBI licensed Peer-to-Peer (P2P) Lending Marketplace. Monexo holds NBFC-P2P license from 2018. Our founders are from Banking industry with deep experience in managing large loan portfolio's of Unsecured and Secured Consumer Loan. What is P2P Marketplace ? P2P Marketplace (like Monexo) originates different class of borrowers after carrying out due-diligences across borrowers (a) ability (b) identity and (c) willingness. These loans are fractionalized in units of Rs. 1,000 for our investors to participate and build a portfolio of loans earning 2X of Fixed Deposit. Why Invest in P2P Lending Marketplace with Monexo ? Diversification is a golden rule in investing. Monexo, enables you to diversify beyond Mutual Funds, Fixed Deposit, Bonds, Gold and Equity. With Stable returns of 2X of Fixed Deposit. How does my money in Monexo generate income ? Your money is invested in unsecured loans. These Borrowers repay their loans on daily, weekly, fortnightly or monthly basis. These repayment / EMI have 2 components - Principal and Interest. The collected interest is collectively your income. How do I understand which Loan to invest ? Monexo groups loan in 3 risk bands: 1. Conservative Risk (C) 2. Medium Risk (M) 3. High Risk (H) What return % can I expect across the risk bands ? Monexo's aim is to deliver 2X of Fixed Deposit return per annum to our clients. In the current environment we look at delivering 13% p.a. return on your investment. Please note - Higher return come with Higher Risk. RBI does not allow this as a guaranteed return product. What are the key features on Monexo Platform ? Monexo has various features, let us take each of them explain: 1. Monthly Income Plan (MIP): In this feature clients receive the collected interest in their bank account. If you are investing Rs. 10 lakhs - you can expect Rs. 10,000 monthly income (Rs. 120,000 per annum) for your regular expenses. 2. Auto-Invest: Here you can give instruction to Monexo system to invest on your behalf on new loans. 3. Systematic Investment Plan (SIP): Investing is a habit. We encourage you to invest every month through this automated debit instruction to pull the money for investing in new loans. How long is my money locked-in ? You are choosing loans to invest in with different duration / tenure. Most loans pay on a monthly frequency. Ex: If you invested in a loan Rs. 1,000 for 3 months you will receive Rs. 400 as EMI for next 3 months. Can I withdraw before the loan term is over ? Yes, Monexo has a redemption option for loans which have not yet completed its term. However, would you like to redeem a high return product - before you close your low return product. Monexo P2P Marketplace is a NEW investment product to beat inflation with steady return of 2X of Fixed Deposit. Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Monexo, and does not provide any assurance for repayment of the loans lent on it. Monexo Fintech Private Limited (www.monexo.co) is having a valid certificate of registration (CoR), dated 28th June 2018, issued by Reserve Bank of India under Section 45 IA of the Reserve bank of India Act, 1934. ## Key features - Peer-to-peer lending marketplace - Fractionalized loan investments - Diversify investment portfolio - Monthly Income Plan (MIP) - Auto-Invest feature - Systematic Investment Plan (SIP) - Risk band categorization ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/monexo-investor/id1614462026/reviews.md ### 1/5 — Adding money via UPI not working *2023-10-12* For a month platform has intermittent issue in adding money vis UPI ### 1/5 — It’s a fraud app *2023-10-11* Looted my money of 3 lakh without giving interest I am a senior citizen Malti Vora ### 5/5 — Wonderful App *2023-09-20* It was a wonderful experience. Customer care was very helpful. ### 5/5 — Great App *2023-09-20* Monexo is the best P2P lending app in today’s generation to earn up to 13% return ### 5/5 — Good returns generated *2023-07-18* Happy with 13%return’s generated thus far ### 1/5 — Don’t fall for it *2023-06-26* It’s an app that would deduct money without your consent. Phone doesn’t work. Emails remain un-responded. Read other people’s review too to trust this. It’s harmful to your financial health. Seek police help. Lodge an e-FIR with cyber crime cell to get your money back. Unless you are prepared to do all of these Do not go for it. They will even ask you to email or call but no response you ever receive. **Developer response:** Hi, we'd like to understand the issue and help you with it. Kindly share your details at lend@monexo.co or you can also call us at 7358499666. We will attend to you and solve this problem for you. ### 5/5 — Easy, comfortable and rare *2023-05-19* I am able to fund as little as Rs.1000 on each loan by lending to screened, salaried borrowers. App contains lend manually or automate with auto invest feature. I can choose rewarding loans based on my risk and return expectations. I am able to find as little as 5000 on each loan and build as portfolio. ### 1/5 — Don’t invest in this app *2023-01-15* I have not received interest for last two months. They are saying it is a technical issue. App is showing negative balance. Bo one to resolve the issue. **Developer response:** Hi, we'd like to understand the issue and help you with it. Kindly share your details at lend@monexo.co or you can also call us at 7358499666. We will attend to you and solve this problem for you. ### 5/5 — Passive income *2022-10-29* I am enjoying passive income of 13% which comes to my account monthly ### 1/5 — Not recommended *2022-08-08* App has so many problems & not resolved months after telling customer care.!!!! ## Frequently asked questions about Monexo Investor ### What is Monexo Investor? Monexo Investor is an RBI-licensed Peer-to-Peer (P2P) Lending Marketplace that connects investors with borrowers. It allows investors to participate in fractionalized loans and aims to provide returns of approximately 13% per annum, which is about twice the return of fixed deposits. ### How does Monexo Investor generate income for users? Your money is invested in unsecured loans made by borrowers who repay their loans on a regular basis. These repayments include both principal and interest, with the collected interest forming your income. The platform aims for a stable return of 2X of fixed deposit rates. ### What are the risk levels for loans on Monexo Investor? Monexo Investor categorizes loans into three risk bands: Conservative (C), Medium (M), and High (H). Higher risk bands are associated with potentially higher returns, but it's important to note that RBI does not guarantee these returns. ### Can I receive regular income from my investments on Monexo Investor? Yes, the Monthly Income Plan (MIP) feature allows clients to receive the collected interest directly into their bank account. For example, an investment of Rs. 10 lakhs could potentially generate Rs. 10,000 in monthly income. ### Does Monexo Investor offer automated investment options? Yes, Monexo Investor provides an Auto-Invest feature, which allows you to instruct the system to invest on your behalf in new loans. They also offer a Systematic Investment Plan (SIP) for regular monthly investments. ### What is the lock-in period for investments on Monexo Investor? The lock-in period for your money depends on the duration or tenure of the loans you choose to invest in. Most loans have a monthly repayment frequency. While there is a redemption option, it's important to consider the terms of your chosen loans. ### Is Monexo Investor available on multiple devices? Based on the available data, Monexo Investor is supported on iPhone and iPod devices. Further information on Android compatibility would be needed for a complete picture. ### How often is Monexo Investor updated? The latest version of Monexo Investor is 2.36, and it was last updated on August 2, 2024. This indicates a relatively active development cycle for the application. ## Version history (last 5 releases) ### 2.36 — 2024-08-02 Bug fixes ### 2.34 — 2024-07-24 Bug Fixes ### 2.30 — 2024-06-30 Bug Fixes ### 2.29 — 2024-06-28 Added New Features and Bug Fixes ### 2.28 — 2024-06-13 Bug Fixes ## Apps similar to Monexo Investor | App | Rating | Price | Category | | --- | --- | --- | --- | | [Grip Invest: Buy Bonds & FDs](https://appshunter.io/ios/app/grip-invest-buy-bonds-and-fds/id6569232175) | — | Free | Finance | | [Faircent Double](https://appshunter.io/ios/app/faircent-double/id1596427846) | — | Free | Finance | | [Ultra by Tap](https://appshunter.io/ios/app/ultra-by-tap/id6738425065) | — | Free | Finance | | [Per Annum: Earn Higher Returns](https://appshunter.io/ios/app/per-annum-earn-higher-returns/id1606874990) | 4.0 (1) | Free | Finance | | [Aspero Bonds: Upto 15% Returns](https://appshunter.io/ios/app/aspero-bonds-upto-15-returns/id6447065580) | 5.0 (1) | Free | Finance | | [altGraaf](https://appshunter.io/ios/app/altgraaf/id6471433106) | — | Free | Finance | ## More apps by Monexo Fintech Private Limited - [Monexo Partner](https://appshunter.io/ios/app/monexo-partner/id1633033349) All apps by Monexo Fintech Private Limited: https://appshunter.io/developer/1614462028 --- *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 2026-06-10.*