P2P Lending in India Offers High Returns, but Platform Quality and Regulation Are Key
P2P lending platforms in India are offering investors returns of 14–22%, but research highlights that platform selection, underwriting quality, and regulatory safeguards are more important than headline yields. The number of active RBI-registered platforms has dropped to 10–12 after regulatory changes. Investors are advised to focus on transparency, NPA disclosures, and escrow structures.