Partner With Us NRI

In collaboration with India's first P2P lending platform — Faircent, ICICI Securities presents you with a novel investment opportunity of earning healthy returns from interest and principal payments.

What is P2P Lending?

As a method of debt financing, Peer to Peer [P2P] investment, or P2P lending is a novel investment concept. This investing-initiative connects you directly to borrowers through the P2P online platform to enable you to lend to creditworthy SMEs and receive returns through interest.

There are three parties involved in P2P lending:

Winning Researchers

The Investor or the Lender

Lends capital over the loan term

The Borrower

Commits to repaying the capital plus interest according to Commits to repaying the capital plus interest according to

The P2P Platform

Facilitates transactions and performs credit assessment of

Traditional Bank Financing

  • Pay less buy more



    7%-8% Interest

  • Pay less buy more




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    12%-36% Interest

P2P Lending

  • Pay less buy more



    12% - 22% Interest

    Diversification Fractionalization Loan Produts

  • Margin

    3% - 6%

    Low Cost Base

  • Pay less buy more



    12% - 28% Interest

    Competitive Rates Access to credit Transparent Terms

How P2P Investing Works?

Think lending without banking. Peer to peer is about giving loans directly to pre-verified individuals and SMEs through ICICI Securities. Your investment in creditworthy companies helps them achieve their goals while earning you steady returns.

  • verification Icon Offer comprehensive verification
  • assessment Icon Stringent credit assessment
  • loans Icon Matching and allocating loans
  • >Collecting repayments Icon Collecting repayments

Why Invest Through P2P Lending?

lock-in of 3 years

Earn Like a Bank

By removing margins made by intermediaries, borrowers are able to access cheaper credit and you can earn high returns in the form of interest. This allows you to earn like a bank by directly lending to pre-vetted borrowers

Potential for higher returns

Diversify your Portfoliov

P2P lending is a promising diversification avenue for your portfolio as it is not directly linked to the market and is hence protected by stock market volatility

Better post-tax returns

Secondary Monthly Income

When you lend money to borrowers, you start getting the principal and interest from the next month onwards in the form of EMIs

One Time Or SIP

Pre-Verified Borrowers

Borrowers are pre-verified through an automated credit evaluation process across 120+ parameters to ensure that only the most genuine and creditworthy borrower is listed on the platform.

Benefits of Being a P2P Investor

ICICI direct
Offers you stable, predictable and risk-adjusted returns
ICICI direct
Provides you with an efficient asset class
ICICI direct
Gives you alternative investment options not correlated to stock market volatility
ICICI direct
Enables you to invest in high performing, creditworthy investment assets despite economic downturns
ICICI direct
Offers you the opportunity to diversify your portfolio
ICICI direct
Provides you with the choice of taking interest payments as an income or reinvestment
ICICI direct
Protects your investment interests







ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel: (91 22) 6807 7100, Fax: (91 22) 6807 7803.

The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon.Please note, distribution of products offered by Faircent.com are not Exchange traded products and I-Sec is just acting as distributor to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.

The information contained herein is strictly confidential and meant solely for the selected recipient and may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written consent of ICICI Securities Limited. The contents of this mail are solely for informational purpose and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product. While due care has been taken in preparing this mail, I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any inaccurate, delayed or incomplete information nor for any actions taken in reliance thereon. This mail is not directed or intended for distribution to, or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication, availability or use would be contrary to law, regulation or which would subject I-Sec and affiliates to any registration or licensing requirement within such jurisdiction.

Lending on Faircent.com is subject to defaults. Please read the borrower profiles carefully before investing. Fairassets Technologies India Pvt. Ltd. (Faircent.com) has a valid Certificate of Registration dated May 16, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India Act, 1954. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company. The ratings given for each Borrower, Product or Partner is based on an internal mechanism developed by Faircent taking into account various factors such as quality of borrowers, their credit history, the tenure of loans, diversity of portfolio and the partners vintage, reach, control over funds, credit history, strength of management and assistance or collection support provided, which Faircent believes in good faith may assist lenders in their selection of Borrower, Product or Partner. Faircent is not a rating agency and the factors considered to rate a Borrower are not industry approved factors nor approved, or in accordance with any regulatory authority. You may therefore choose to rely on these ratings at your sole discretion and Faircent will not be liable or responsible for your reliance on these ratings. The data provided above is purely for information purposes and being dynamic is true as of the date of publishing but can change immediately thereafter and Faircent is not accountable for its authenticity or veracity

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