Focused on low-and-middle-income households across these regions, the platform’s model stands out for delivering small-ticket credit where it is needed most.
In FY25, 78% of IndiaP2P’s loans were disbursed to women borrowers, and over 99% of the lending activity was concentrated in non-urban geographies. These figures reflect a deep and deliberate commitment to creating economic opportunities in areas traditionally underserved by formal finance.
“Our borrowers aren’t just receiving loans; they’re building businesses, adding income streams, and lifting entire households out of poverty,” said Neha Juneja, Mohit Gupta and Ravinder Voomidisingh, the founding team of IndiaP2P, in a joint note.
Operating across 50+ locations in 31 districts—including Odisha, Bihar, Uttar Pradesh, Madhya Pradesh, Chhattisgarh, Rajasthan, and West Bengal—IndiaP2P’s model is designed to support India’s vast network of informal entrepreneurs. With an average loan size of under ₹2 lakh, the platform is unlocking growth for a segment largely ignored by traditional lenders due to structural cost and risk considerations.
In FY25
- 75% of loans funded income-generating activities
- 92% of borrowers were self-employed
- 80% of loans were extended to EWS, LIG, and MIG-1 households
- Median borrower age: 38 years
- Average business vintage: 5 years
- Median credit bureau score: 747
IndiaP2P’s underwriting model goes beyond conventional credit scores, relying instead on a hybrid approach that combines behavioural and business data. This allows it to assess and serve borrowers who may lack complete documentation but demonstrate strong repayment potential.
By combining digital onboarding with a network of on-ground agents, IndiaP2P is not just disbursing loans—it is building a credit infrastructure for India’s “invisible middle.” As investor demand shifts toward purpose-driven opportunities, the platform stands as a proven model of how inclusive finance can fuel long-term, sustainable growth.
