Indiap2p – Invest 1000 Rs and Earn 13,920 Rs Within 1 Year – Indiap2p Investment Scheme


Peer-to-peer (P2P) lending has emerged as a popular investment avenue, providing opportunities for individuals to earn attractive returns by lending directly to borrowers. In India, Indiap2p is one such platform offering structured investment plans designed to maximize returns while managing risk. This essay provides a comprehensive analysis of the Indiap2p investment scheme, its various monthly income plans, and a detailed breakdown of potential earnings and investment strategies.

Understanding the Indiap2p Investment Scheme

Indiap2p offers a unique proposition for investors looking to diversify their portfolios with fixed-income assets. The platform facilitates investments in loans, where investors can earn interest by lending money to borrowers vetted by the platform. The key attraction is the promise of high returns, which can be up to 16% per annum, depending on the chosen investment plan.

Indiap2p Monthly Income Plans

Indiap2p offers two primary categories of monthly income plans:

  1. Monthly Income Plan (Aggressive)
    • Annual Returns: Up to 16% p.a.
    • Investment Allocation: Funds are invested in loans with medium credit ratings.
    • Mechanism: Principal repaid is reinvested, and interest is paid into the investor’s bank account monthly.
  2. Monthly Income Plan (Conservative)
    • Annual Returns: Up to 12% p.a.
    • Investment Allocation: Funds are invested in loans with high credit ratings.
    • Mechanism: Principal repaid is reinvested, and interest is paid into the investor’s bank account monthly.

These plans cater to different risk appetites, allowing investors to choose based on their financial goals and risk tolerance.

Calculating Potential Returns

To illustrate the potential earnings from an Indiap2p investment, consider the following example:

  • One-time investment: ₹10,000
  • Yearly Returns (Aggressive Plan): Up to ₹1,600
  • Monthly Paid: Up to ₹133.33

Now, let’s break down how you could potentially earn ₹13,920 by investing ₹1,000 per month over a year.

  1. Total Invested Amount: ₹12,000 (₹1,000 x 12 months)
  2. Annual Return: 16% of ₹12,000 = ₹1,920
  3. Total Return: Invested amount + Interest amount = ₹12,000 + ₹1,920 = ₹13,920

This calculation assumes that the interest is compounded and the principal is reinvested as per the plan’s terms.

Also Read… PPF Account – Invest Rs 1000 and Earn Rs 8.5 Lakhs with Tax Benefits

Steps to Start Investing with Indiap2p

Investing with Indiap2p is straightforward and involves the following steps:

  1. Setup Account:
    • KYC Verification: Complete the Know Your Customer (KYC) process using Aadhaar, PAN, and bank account details. This step ensures compliance with regulatory requirements and establishes the investor’s identity.
  2. Select Plan & Risk Category:
    • Choose between the Aggressive Plan (for higher returns but more risk) and the Conservative Plan (for lower returns but less risk). This decision should align with your financial objectives and risk tolerance.
  3. Add Money:
    • Fund your account with the desired investment amount. You can start with as little as ₹1,000 and gradually increase your investment based on your comfort level and financial strategy.

Benefits of Investing in Indiap2p

  1. High Returns: The potential to earn up to 16% per annum is significantly higher than traditional fixed-income instruments like fixed deposits or government bonds.
  2. Monthly Income: Investors receive monthly interest payouts, providing a regular income stream that can be used for expenses or reinvested.
  3. Diversification: Investing in P2P loans adds a new asset class to your portfolio, helping to diversify risk across different types of investments.
  4. Flexibility: Investors can start with a small amount and gradually increase their investment as they become more comfortable with the platform and its operations.

Risks and Considerations

While the potential returns are attractive, investing in P2P loans carries certain risks:

  1. Credit Risk: The primary risk is that borrowers may default on their loans. This risk is higher in the Aggressive Plan, which invests in medium credit rating loans.
  2. Liquidity Risk: Unlike stocks or mutual funds, P2P loans are not easily liquidated. Investors should be prepared to commit their funds for the duration of the loan term.
  3. Regulatory Risk: The P2P lending industry is still evolving in India, and regulatory changes could impact the platform’s operations and investor returns.
  4. Economic Risk: Economic downturns can increase default rates among borrowers, potentially affecting returns.


Checkout IndiaP2P Monthly Income Plans Section


Strategies for Mitigating Risks

  1. Diversification: Spread your investment across multiple loans to reduce the impact of any single borrower defaulting.
  2. Thorough Research: Understand the platform’s credit assessment process and the types of loans being offered. Choose a plan that aligns with your risk tolerance.
  3. Regular Monitoring: Keep track of your investments and monitor the performance of your portfolio. Adjust your investment strategy based on market conditions and your financial goals.
  4. Professional Advice: Consider consulting a financial advisor to help design an investment strategy that incorporates P2P lending while balancing risk and return.

Comparison with Traditional Investment Options

  1. Fixed Deposits: Fixed deposits (FDs) offer lower returns (typically 5-7% p.a.) compared to Indiap2p but come with minimal risk and high liquidity.
  2. Mutual Funds: Equity mutual funds can offer high returns but are subject to market volatility. Debt mutual funds provide more stable returns but typically lower than P2P lending.
  3. Stock Market: Investing in stocks can yield high returns but comes with significant market risk and volatility. P2P lending offers more predictable returns, although with its own set of risks.
  4. Real Estate: Real estate can provide substantial returns and rental income but requires significant capital investment and involves liquidity risk.

Case Study: Realizing Returns with Indiap2p

To provide a practical perspective, let’s consider a hypothetical investor, Rajesh, who decides to invest ₹1,000 per month in the Indiap2p Aggressive Plan.

  1. Monthly Investment: ₹1,000
  2. Total Annual Investment: ₹12,000
  3. Expected Annual Return: 16%

Over the year, Rajesh’s investment grows as follows:

  • Month 1: Invests ₹1,000, earns ₹13.33 (16% p.a. divided by 12 months)
  • Month 2: Invests ₹1,000, total ₹2,000, earns ₹26.67 on previous investments
  • Month 3: Invests ₹1,000, total ₹3,000, earns ₹40 on previous investments

This process continues, with Rajesh reinvesting the principal and earning interest monthly. By the end of the year, his total investment of ₹12,000 yields an additional ₹1,920 in interest, totaling ₹13,920.

The Future of P2P Lending in India

The P2P lending market in India is poised for significant growth, driven by increasing digital adoption and the need for alternative financing solutions. Platforms like Indiap2p are leveraging technology to enhance credit assessment, reduce default rates, and provide a seamless investment experience.

As the regulatory framework evolves, investor confidence is likely to increase, further boosting the growth of the P2P lending sector. Innovations such as blockchain technology, artificial intelligence, and machine learning are expected to enhance transparency, efficiency, and risk management in P2P lending.


Indiap2p presents a compelling investment opportunity for those seeking high returns and regular income. With structured monthly income plans catering to different risk appetites, the platform offers flexibility and potential for substantial earnings. However, like any investment, it is crucial to understand the associated risks, perform thorough research, and diversify your investments to mitigate potential losses.


The information provided in this essay about the Indiap2p investment scheme is intended for general informational purposes only and should not be construed as financial, investment, or legal advice. While we strive to ensure that the information presented is accurate and up-to-date, we make no guarantees regarding its completeness, accuracy, or reliability.

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