# Per Annum: P2P Lending & More — user reviews > 50 indexed App Store user reviews of Per Annum by Lendbox, rated 4.00/5 from 1 ratings. - Source: https://appshunter.io/ios/app/per-annum-p2p-lending-and-more/id1606874990/reviews - App overview in markdown: https://appshunter.io/ios/app/per-annum-p2p-lending-and-more/id1606874990.md - Rating breakdown: 5★ 0 · 4★ 1 · 3★ 0 · 2★ 0 · 1★ 0 ## Newest reviews (11 of 50) ### 5/5 — Good *2026-01-29, version 0.2.438* From P2P to fractional real estate with Mahindra and Lodha Per Annum has matured beautifully ### 5/5 — Review *2026-01-29, version 0.2.438* Per Annum has consistently improved Starting with P2P and now fractional real estate linked to brands like Lodha feels promising. ### 5/5 — Abhishek *2026-01-29, version 0.2.438* I appreciate how simple they make real estate participation. ### 5/5 — Keeps in profit *2026-01-29, version 0.2.438* Per Annum’s consistency over 10 years and new fractional opportunities with such big name developers makes it a strong platform. ### 5/5 — Review *2026-01-28, version 0.2.438* Really wonderful experience in this company , did not think real estate investing could be done with such a price point and the kind of projects they are onboarding ### 5/5 — Review *2026-01-28, version 0.2.438* Long term user since P2P days, explored more of their alternative assets, great experience altogether, now exploring fractional real estate with their new Jacob & Co. project in noida. ### 5/5 — Loved what they are doing in Fractional Real Estate *2026-01-11, version 0.2.438* Have had a wodnerful experience both in debt investment and Fractional real estate ### 4/5 — Best for investors *2025-09-12, version 0.2.386* Affordable ticket sizes but premium quality projects. Best mix for retail investors. ### 4/5 — Worked for me *2025-09-11, version 0.2.386* I Was looking for ways to park my funds, and here I found Estates , the fractional concept just worked out for me ### 5/5 — Supportive wealth managers *2025-09-10, version 0.2.386* My first investment in Estates went smoothly, RM explained everything clearly. Looking forward to long-term growth. ### 5/5 — Great *2025-09-03, version 0.2.386* the RMs are really helpful they cleared all my doubts ## Most critical reviews (10 lowest-rated) ### 1/5 — Not Committed in Repayment *2026-08-08, version 0.2.464* I have invested in 2024 with 1 lakh for a year but they not paid the amount they told me when i enquire about the maturity amount then they said not it will be mature in January 2026 then again they fail to paid after april 2026 the monthly payment they are giving that also they are not paying they dont have customer care no and so many times i schedule i call but till today no response is there. So please be careful to invest this app . After investing they stop responding. ### 1/5 — Fraud app *2026-05-28, version 0.2.445* Avoid any investments ### 1/5 — No repayment on-time *2026-04-20, version 0.2.443* For 3 years stuck with investment still not fully repaid. After poking they release negligible amount then again goes to sleep ### 1/5 — Fraud app by Lendbox *2026-04-15, version 0.2.442* They are a bunch of frauds. They have cheated many customers of their hard earned money. I am yet to receive more than 2 lakh rupees which they have blocked. ### 1/5 — Don’t trust *2026-04-15, version 0.2.442* The app is totally fraud ### 1/5 — Fraud Company *2026-03-25, version 0.2.440* Another scam by Lendbox. Earlier it was Mobikwik Xtra now same fraud scheme with new design P2P edge and per annum. I invested 50 Lakh and lost 15.1 Lakh including interest. For 1st few months they will credit money and after that real default happens and you will loose even your principal and forget the interest. ### 1/5 — Good return but worst app *2026-01-04, version 0.2.436* I am highly invested with you guys ( nearly 1 cr) but the premium feel lacks in the app. It logs me out every other day ( I can understand if it’s a security things but please keep 7 day atleast token expiry). Above it, the xirr shows errors. Please imvest some money in the very platform people use else many will refrain. I can help you if you don't have good developers ### 1/5 — Unwanted calls & No way to delete the account *2025-12-16, version 0.2.436* Unwanted calls & No way to delete the account. So install the app if you’re okay with unwanted calls ### 1/5 — Not a trustworthy company *2025-12-10, version 0.2.436* I have invested a large sum of money with per annum in a span of 6-7 months. Although their payouts are on time, their referral system cashback is a total scam. It’s been over 2 months now since I referred someone who invested a large sum and I am yet to receive the cash back. They come up new excuses everytime. I wouldn’t trust this company with my money again. ### 1/5 — Higher returns tagline is SPAM *2025-07-08, version 0.2.381* I had a very underwhelming experience with Per Annum. Communication was poor, Jaspreet, the point of contact, rarely responded to queries or concerns. Despite their claims of “assured returns,” the actual returns were as low as 3%. Worse, a significant portion of the investment was classified as NPA, with vague promises that the money would be returned only if and when it’s recovered from the debtor. I initially invested a small amount to test the platform’s reliability. Unfortunately, once I committed more funds, the issues began. This has been a frustrating and disappointing journey. ## Most praised reviews (10 highest-rated) ### 5/5 — . *2026-04-20, version 0.2.443* First heard about this app around 2017. Checked it again recently and it definitely looks more polished now. ### 5/5 — Review *2026-02-22, version 0.2.440* Seeing so many brokers out there and so confusing, Estates came to my ease giving me projects that are top grade and also accessible. ### 5/5 — Review *2026-02-19, version 0.2.440* Is level ke large residential developments mein direct entry lena time-intensive hota hai. Estates structure ne woh process significantly simplify kar diya. ### 5/5 — Review *2026-02-18, version 0.2.440* Invested in Godrej through their fractional offering, began with ₹10 lakhs, now awaiting for exit. ### 5/5 — Review *2026-02-18, version 0.2.440* Per Annum has stayed trustworthy and their new Estates product with Lodha as their project, shows real promise ### 5/5 — Easy to use *2026-02-18, version 0.2.440* I like how unique the platform feels without being complicated. ### 5/5 — Very helpful *2026-02-17, version 0.2.440* Even beginners can use it without confusion. ### 5/5 — Very supportive services *2026-02-17, version 0.2.440* Kind of developers they are working with is such a big plus point. ### 5/5 — 🤪 *2026-02-16, version 0.2.440* I had one issue with verification, but support resolved it quickly. Good service overall. ### 5/5 — Review *2026-01-31, version 0.2.438* My experience has been consistently smooth, thanks to how systematically their platform is designed across all products, including both P2P and fractional real estate investments --- *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 2026-09-04.*