50 Loans P2P Lending Numbers So Far
Been lending small amounts through a P2P platform for a while now, mostly ₹250 tickets picked manually. Just closed my 50th loan, so thought I'd share the numbers (screenshot attached).
Put in a total of ₹24,000 across those 50 loans and got back ₹25,270 so far. Annualized return comes to around 18%, with roughly ₹2,604 earned as interest. There's some NPA sitting at about ₹1,333, which stings a bit, but even after accounting for that, the platform shows my portfolio health as ""Great.""
Sticking to the same approach for now, small tickets, manual picks, and spreading across as many loans as possible instead of concentrating the amount. Not planning to scale up drastically until I see how the NPA trends over the next few months. Curious to know at what point people here started increasing their investment amount?