In an era where investors are increasingly seeking purpose alongside profits, IndiaP2P, a regulated peer-to-peer lending platform, is emerging as a rare case study in how capital can deliver both commercial returns and measurable social change.
In its FY24-25 Social Impact and Performance Report, IndiaP2P highlights how it is using technology and a unique credit model to channel funds directly to India’s underserved micro-entrepreneurs—many of whom are women in rural and semi-urban pockets where formal finance rarely reaches.
At the heart of IndiaP2P’s mission is its alignment with five UN Sustainable Development Goals (SDGs): No Poverty, Gender Equality, Decent Work and Economic Growth, Industry Innovation and Infrastructure, and Reduced Inequalities. Its impact numbers are telling. In FY25, 78% of loans went to women borrowers, and over 99% of the portfolio was disbursed in non-urban geographies.
While India’s MSME sector contributes nearly 30% of GDP and employs over 110 million people, lack of timely, small-ticket credit remains a persistent barrier. IndiaP2P targets this gap, focusing on loan sizes under ₹2 lakh—a segment often ignored by mainstream lenders due to cost structures and risk frameworks. Its tech-driven underwriting bypasses traditional obstacles like inadequate documentation and limited credit histories.
“Our borrowers aren’t just receiving loans; they’re building businesses, adding income streams, and lifting entire households out of poverty,” said Mohit, Neha, and Ravinder, IndiaP2P’s founding team, in a note. The platform reported that 74% of its loan book supports business income generation directly.
The company’s borrower profile reflects its impact-first approach: the median age is 38 years, with an average of five years running their businesses. The median credit bureau score stands at 747—proof that the so-called ‘invisible middle’ can indeed be a solid asset class when given the chance.
IndiaP2P has also leaned into regulatory compliance. It was one of the first NBFC-P2P firms to align with the RBI’s new T+1 settlement norms, rolling out its Monthly Income Plan+ to attract investors seeking liquidity alongside impact.
By combining grassroots borrower reach with digital onboarding and on-ground agents, IndiaP2P is not just financing loans—it’s building a credit infrastructure that could transform how capital flows into India’s most underserved segments.
For India’s millions of informal entrepreneurs, such platforms may be the bridge between aspiration and growth—one small-ticket loan at a time.
