During the unprecedented Covid crisis i2iFunding ensured that credit processes were fine tuned to face the challenges posed by lockdown and its impact on earning of borrowers.  As a result i2i has been  able to keep default under 1% of total loan amount disbursed since Apr-2020.   Table here shows % of loans disbursed in each risk category over the past two years. Third column loan principal under default as a % of overall loan amount disbursed in the corresponding risk category. E.g. if Rs. 100 were disbursed by i2i in last 2 years, then Rs. 29.8 were disbursed to borrowers i ..read more

“An investment in knowledge pays the best interest”, a famous quote by Benjamin Franklin We all can relate to this quote in a greater sense in today’s world as it highlights the significance of how an investor should know where one is putting their money in, what are the risks involved and how much return their investment will make in the best and worst case scenarios. With variety of options available to invest, it is important to judiciously decide which set of combination will suit your risk appetite and will provide you better returns for a better future. Today, including all the traditio ..read more

As per a latest study published by the Brookings Institution, India ranks among the top 10 countries in adopting and funding in Artificial Intelligence. It is said to be ahead of Canada, South Korea and Italy. With the advent of the digitization era around the world, India is also moving forward on the same lines. As per a research report published by IDC, India’s AI spending is expected to grow at CAGR of 30.8% to touch USD 880.5 million (around Rs.6,490.6 Cr) in 2023. Such predicted growth depicts that India has taken a long leap in the digitization era, which was marked by the following ev ..read more

With fewer curbs and government mandated restrictions, the Indian Economy has ridden the third wave of the Covid Pandemic with less disruption. India Inc seems to have learnt it’s lessons well and is on its path to treading through this tumultuous path with considerable stability. If we look at industry wise impact of the current wave of pandemic, it is seen that industries like Technology and FMCG are booming. Banking & Finance and Education sectors have been able to face this wave with better planning and infrastructure in place. Logistics and supply chains have also been able to m ..read more

Skeptics argue that in P2P lending, you’re putting your money at risk, lending it to total strangers in the hopes of generating income. They also say your financial and other sensitive information becomes vulnerable. This isn’t entirely accurate. It’s natural that you will want to make sure your p2p lending platform has taken sufficient measures to protect your personal data from hackers. When stepping into P2P Lending, you should look for a trustable platform. Let’s go through the security measures in P2P Lending that can make it safer.   Security measure to make P2P Lending safer Bac ..read more

With declining interest rates from banks, it is no longer encouraging to park savings into bank accounts. In fact, with inflation rates rising every year, we were always losing money leaving it in our banks. Clearly this wasn’t what we need if we’re looking to grow our income to obtain financial freedom. Yield oriented investors are constantly withdrawing funds from their bank accounts and considering different options where they can lend their money easily and earn interest on it. There’s an entire market available with people needing money for the short term. Be it to pour into their busin ..read more

Financial Year 2019-20: How P2P lending fared compared to other investment products FY 2019-20: One of the most difficult years for investors Most investors will want to forget the Financial Year 2019-20. It has been one of the most difficult years for most investors. On one side, investors suffered huge losses in direct equities and equity mutual funds as all equity indices went down sharply and on the other side, the interest rates on fixed income products like bank fixed deposits have also gone down. Gold and peer to peer (P2P) lending were the two asset classes that gave good returns to i ..read more

Top 5 warning signs to check for before selecting a Personal Loan Lender A personal loan is an unsecured loan taken by someone to meet their personal financial needs, which are usually unplanned. A personal loan comes with a high-interest rate as there is no collateral involved. If you have assessed your requirements and concluded that opting for an online personal loan is the best option for you, choosing a  Personal Loan Lender is the next crucial step. There is no ideal answer as your loan requirement, credit score and ability to repay the debt should primarily affect your decisi ..read more

5 Smart Investment habits to help you build wealth Money makes the world go around. Everyone is looking to make money and save it in order to meet their goals and achieve their dreams — be it buying a house, a car, or a vacation with their family in an exotic location. However, there is a fundamental flaw in the oft-quoted phrase ‘a penny saved is a penny earned’. It does not account for real-world problems like inflation which can quickly eat into the money you’ve saved, leaving you with less than you what you had started with. The key to wealth generation is not saving but investing. Not on ..read more

i2iFunding referral program: Recommend us and earn regular monthly income Active income v/s Passive income  In the case of most people, they get paid as per what work they do and till the time they do. This is known as active income. The moment they stop working, their income stops. On the other hand, there are some professions/jobs/opportunities, where you work once, and you keep getting paid on a recurring basis. This is known as passive income. If given a choice, everyone will opt for passive income over active income. In this article, we will talk about one such passive income opport ..read more