P2P Lending : Hidden Risks, Process, & Mistakes | Ft. Bhavin Patel | Sanjay Kathuria Podcast

P2P Lending : Hidden Risks, Process, & Mistakes | Ft. Bhavin Patel | Sanjay Kathuria PodcastIn this episode of the Sanjay Kathuria Podcast, we host Bhavin Patel, Co-founder & CEO of LenDenClub, one of India’s largest RBI-registered NBFC-P2P lending platforms with over 3 crore+ users and ₹18,000+ crore loans facilitated .With 13+ years of experience in lending, fintech, and NBFC space, Bhavin shares a complete P2P lending masterclass — explaining how individuals can earn passive income by lending money and how India’s lending ecosystem actually works.In this deep-dive conversation, we break down how P2P lending platforms function under RBI regulations, how borrowers are evaluated, real returns vs risks, default scenarios, diversification strategies, and common mistakes investors make. If you’re looking for alternative investments beyond mutual funds and fixed deposits, this episode gives you a complete roadmap.📘 What You’ll Learn✅ What P2P lending is and how it works✅ How people earn up to 24% returns✅ Why 96% Indians don’t get bank loans✅ How RBI regulates P2P platforms✅ How to assess borrowers before lending✅ Diversification strategy to reduce risk✅ What happens when borrowers default✅ Common mistakes P2P investors make✅ How to choose the right P2P platform✅ Corporate bonds vs P2P lending⏱️ Timestamps00:00 – Podcast Teaser01:40 – Guest Intro - Bhavin Patel04:16 – What is P2P Lending?05:11 – How RBI Regulates P2P Platforms06:27 – Average Returns in P2P Lending06:55 – How Money Flows in Lending09:06 – Is 24% Return Feasible?09:22 – India’s Lending Ecosystem Explained10:41 – Why 96% Indians Don’t Get Bank Loans12:41 – Why RBI Created NBFC-P2P Category13:27 – Who Borrows on LenDenClub15:48 – Borrower Income Profile17:46 – Is 24% Expensive for Borrowers?19:11 – Small Ticket Digital Loans Explained21:11 – Borrower Risk Assessment23:48 – Live Demo of Lending Platform26:10 – Minimum Lending Amount26:23 – Case Study: ₹75,000 Lending Failure28:41 – ₹1 Lakh Diversification Strategy31:47 – Step-by-Step Lending Process35:35 – Repayment & Escrow System36:47 – Legal Aspects of Lending38:36 – What Happens in Default Cases40:10 – Lending to Known People on Platform42:26 – Why No Default Guarantee Fund43:44 – Top 3 Mistakes in P2P Lending47:57 – How to Choose Right Platform52:10 – What if Platform Shuts Down54:00 – Minimum Loans for Diversification55:58 – Corporate Bonds vs P2P58:47 – History of P2P Lending in India01:00:43 – ALM Mismatch Explained01:05:00 – New 2024 Regulations Explained01:06:44 – Bhavin Patel’s Journey01:08:42 – Insights About Indian Borrowers01:14:12 – Minimum Loans Rule Explained01:15:04 – Why RBI Doesn’t Promote P2P01:17:38 – Does P2P Affect Bank Account?01:19:05 – Episode Outro🔗 Guest SocialsCheck out LenDenClub:Website - https://www.lendenclub.com/Instagram- instagram.com/lenden.club Youtube- https://www.youtube.com/@LenDenClubOfficial LinkedIn- in.linkedin.com/company/lenden-clubDownload the LenDenClub App: https://lendenclub.onelink.me/fh0K/9y59e56y Check out Bhavin Patel:Instagram- https://www.instagram.com/unfilteredfounder/ LinkedIn - in.linkedin.com/in/bhavinpatel2022Youtube- https://www.youtube.com/@UnfilteredFounder13📲 Sanjay Kathuria Podcast HandlesInstagram: https://www.instagram.com/sanjaykathuriapodcastYouTube (Main): https://www.youtube.com/@SanjayKathuriaPodcastYouTube (Clips): https://www.youtube.com/@SanjaykathuriapodcastclipsFacebook: https://www.facebook.com/sanjaykathuriapodcastsSpotify: https://open.spotify.com/show/1VDdqFLEvqtKIr3pJuu1ep?si=I50k9_sCSVqSwOF62ugrIw🧵 Hashtags#BhavinPatel #P2PLending #PassiveIncomeIndia #LendingBusiness #SanjayKathuriaPodcast📚 About the PodcastThe Sanjay Kathuria Podcast brings you India’s top investors, entrepreneurs, and wealth creators. Learn how the top 1% manage and multiply money in simple, actionable ways.