IMM Advantage - Direct On-field Borrower Sourcing & Assessment


Serving Underserved Middle India - High on Integrity, Need Capital to Grow

  • Focus on Small Business Loans borrowers (Retail Trade, Local Businesses/Services, Small Manufactures)

Direct Acquistion & Deep Engagement (No Intermediaries)

  • Micro - Neighbourhood Marketing, Direct Calling, Digital Marketing
  • Teams at location for Sales, Credit & Collections

Direct on-ground Assessment of Borrowers

  • On-Ground Assessment - Office/Residence & Cash Flow Check, Personal Discussion
  • Digital Analytics - Bank Statement, Bureau Score, P&L
  • Segment Analysis - Micro analysis of local businesses
  • returns
    Low Registration Fee

    We Earn when You Earn

  • returns

    With Purpose

  • returns
    Download Our App

    ios android

  • returns
    Ready to Prosper

    Email :

  • returns
    Channel Partner

    Become a Channel Partner & Earn High Commissions

Follow our Blog

Read the articles on P2P Marketing!

5 Things to Keep in Mind When Taking a Loan

5 things you need to keep in mind when taking a loan and make the money work for you, rather than the other way around. In an ideal scenario, all of us would have enough money to meet all our needs. Hit reality, almost ....

How Does Credit Score Impact Your Chance of Securing an Affordable Loan

Banks and Financial institutions or Peer-2-Peer Lenders rely heavily on the credit score of borrowers to assess their intention and ability to repay the loan extended to them. Credit score is the fulcrum (among multiple ....

8 Reasons to Invest Money in Peer to Peer Lending Marketplace

The emergence of peer to peer lending has become a major investment destination for many across the nation, with more and more people indulged in the process of lending money through the peer to peer lending. Rapidly, ....

How India Money Mart Works

QR Code

India Money Mart - For iOS & Android

Now, you can borrow money online quickly using your android phones.

Apply loans, keep track of your loan applications and manage repayments easily.

  • Peer-To-Peer (P2P) Lending

    Peer-to-peer (P2P) lending is an empowering breakthrough in finance space to simplify the process to give and take unsecured personal loans. As per directives from Reserve Bank of India, borrowers are assessed and verified before being listed on IndiaMoneyMart platform to become eligible for loans from the registered lenders. Lenders are made aware of borrower's ability to repay the loan and past loan behavior to help them lend.

    P2P lending encourages lenders to fund each loan partially so that investments are diversified to minimize risk.

    Peer-to-peer (P2P) lending  has seen success as an alternative finance model across diverse countries, developed and developing. Aided by technology, investors appreciate it as an attractive investment avenue to compound their gains.

    Those who are new to credit or thinly banked have a platform to get loans at affordable rates and build a positive credit history. P2P lending   is an initiative to make credit accessible and affordable to enable borrowers get loans on easy terms and lenders receive good returns.

  • Benefits of Peer-To-Peer Lending (P2P) - Lender

    • Earn better than Bank Savings and Fixed Deposits

    • Lend to KYC verified borrowers assessed by robust algorithm with legal paperwork

    • End-2-End Loan Management by IndiaMoneyMart

    • The monthly EMIs can be reinvested to compound the gains

    • In-built risk hedging mechanism in place that allows lenders to fund partially

  • Benefits of Peer-To-Peer (P2P) Borrowing - Borrowers

    • Affordable interest rates for personal loans

    • Loans available to those new to credit

    • No discrimination against thinly banked users

    • Easy and digital application process

    • Transparent process, rates and charges

    • No pre-payment penalty

  • Is Peer-To-Peer Lending (P2P) Lending Safe?

    The risk associated with P2P Lending is very portfolio specific. Like all investment classes, P2P lending also is not a risk free investment, however, if the lenders follow the best practices suggested by IndiaMoneyMart, the risk can be minimized.

  • Best Practices for Peer-To-Peer (P2P) Lending?

    • Understand the P2P Lending system and the process employed by the platform

    • Understand the return you are aiming from this investment class and diversify your portfolio

    • Understand the verification checks done by the platform listing your loan

    • Assess the information shared for loan requests yourself while lending

    • Understand the loan recovery process before lending

  • Why invest in Peer-To-Peer (P2P) loans against other investment classes?

    • Unlike the stock market, it is not volatile

    • Cash flows are regular and steady

    • Allows for in-built risk diversification

    • Opportunity to re-invest which does not block the capital or returns

    • Simple product to understand against multiple technicalities required for stock market or mutual funds

Body Name Designation City Author Type

I am a very active investor and like to experiment with different asset classes. P2P Lending has been a welcome surprise for me because I started as a skeptical lender but with time and regular repayments, my confidence in this segment has increased. I appreciate the quantum of data shared by IMM in helping me choose borrowers effectively and their customer service. I look forward to invest more here and get better returns. A word of caution though, potential lenders must choose to diversify their risks.

Siddhartha V Chennai Lender

P2P Lending is a very good investment avenue for those who want to create wealth and have patience. IndiaMoneyMart’s app helps me invest without difficulty and track my EMI repayments smoothly. I recommend them for their prompt customer service and taking pains to keep lenders interests in mind.

Ram C Kalimpong Lender

Who is talking About us in Press

India's best P2P lending platform covered by various media outlets.

read article

IndiaMoneyMart app steps foot in P2P lending ....

P2P lending or peer-to-peer lending is a mode of direct debt financing that enables individuals to borrow and lend money on mutual terms. ....

read article

IndiaMoneyMart launches App to promote P2P ....

Mumbai: IndiaMoneyMart (IMM), a digital lending marketplace has launched its App to allow lenders and borrowers to lend and borrow money ....

read article

IndiaMoneyMart Receives NBFC-P2P Certification ....

- IndiaMoneyMart has announced that it has been granted NBFC-P2P Certificate from RBI (Reserve Bank of India). This validates the web and ....

Loan Performance

Check out the analytical view of India Money Mart loans


We are Here to Help You

Got a query? Get in touch with us



Looking to invest? Sign Up here today.

Start Investing


Looking for a loan? Apply here now.

Apply Now
Final Guidelines on P2P Lending from RBI Know More notification