Invest in P2P lending in India

A new asset class that can grow and earn attractive returns in all market fluctuations

Become a P2P lender

Cashkumar is certified & licensed as
by RBI (CoR No. N - 02.00299)

Lenders have earned
₹ 3.03 crores as returns
on their investments

Average Rating
4.6 stars on Google
by Happy Customers

Peer to Peer Lending in India

What is Peer to Peer lending?

Peer to Peer Lending or P2P Lending is a new technology enabled mechanism that formalizes the entire process of private finance and non-institutional lending between individuals. It is a platform for exchange between people who have money and people who need money in the form of a loan. People with excess funds can now extend a loan to borrowers anywhere across the country and earn returns on their funds in the form of monthly EMIs along with interest.

This concept helps borrowers in need of money connect with lenders from across India to crowdfund their loans. The returns are attractive enough for lenders to invest small amounts of money across multiple borrowers. Borrower details are thoroughly checked by the P2P lending platform and a credit assessment is performed and the profile presented to the lenders. P2P lending through online platforms started off as an idea in the US a decade back and is now gaining popularity in India.

Peer to Peer Lending aims to formalize this route by turning it into a valid investment option for any person with spare funds. It gives borrowers a way to fund their requirement for personal loans or business loans by opening a large P2P Lender group not confined just to their friends or peer group. Online peer to peer lending is a great alternative, if you have spare funds, to earn more than traditional investment options like Fixed Deposits, Mutual Funds etc with a little more risk.

P2P lending in India can occur in various forms including long term loan and short-term loan. Any person with validated credentials can become a loan giver or loan taker. These form of loans are unsecured in nature and can be taken or given as a personal loan or a business loan. The P2P Lenders can be an individual and private finance provider who can fill details and become registered P2P Lenders on the platform. All loans attract a pre-agreed rate of interest between the borrower and P2P Lender. Cashkumar does not recommend or try to influence any decision of the borrower or P2P Lender neither will it handle any fund transfer as per the rules of the RBI.

What does Cashkumar offer?

Cashkumar offers an exciting new asset class for investors across India through Peer to Peer lending. Having acquired an NBFC-P2P license from the Reserve Bank of India (RBI) to bring together borrowers and lenders on a digital platform for personal loans suited for all requirements. This model allows a lot of people who have been financially excluded to participate in the credit system. People with money get access to a new asset class and can invest by lending small amounts to multiple borrowers. Cashkumar undertakes the credit analysis of the applicants and approves borrowers based on multiple traditional & alternate data points. As compared to banks, P2P lending allows people from all segments to apply and avail a loan with a quick and completely online process.

RBI had released regulations in the form of Master Directions for Peer to Peer Lending (P2P Lending) Platforms in India on 4th October 2017. Cashkumar has received a valid Certificate of Registration dated 10th July, 2018 issued by the Reserve Bank of India under Section 45 IA of the Reserve Bank of India Act, 1934. With this, we have become the first company in Bangalore to have secured an NBFC-P2P license from RBI.

Attractive Returns

Peer to Peer loans provide high returns if ample investments are made in a portfolio of loans over a decent time period, even accounting for the risk.

Easy to Use

Lending can be done online with a user-friendly website and App by checking borrower profiles real-time and pledging suitable amounts.

Portfolio Diversification

Small amounts can be invested over different categories of loan and borrower profiles to create a healthy balance between risk and returns.

Scientific Assessment

A proprietary algorithm developed in-house conducts a comprehensive check of borrower profiles using credit reports, bank statements and alternate data to underwrite loans.

Personal Loan for All from Cashkumar

Personal loan for All

Cashkumar provides online personal loan to salaried individuals across 30 cities in India through Peer to Peer lending (P2P Lending). We provide short-term credit of tenure between 3 to 12 months with fast loan approval and easy documentation.

Financial Inclusion

Salaried individuals from unlisted, proprietorship and partnership companies can avail an easy personal loan

New to Credit

Provide minimal documentation and get a first personal loan to start building a credit record/history for future loan requirements

Credit Recovery

Join the system again and improve credit score by choosing a small loan amount and paying off the EMIs on time

Debt Consolidation

Clear high-interest credit card dues and small expensive debts by taking a single easy instalment loan according to eligibility

Types of Personal Loan

Personal Loan

Personal loans are unsecured credit advanced to individuals based on their credit and financial profile. We do not ask for a security or guarantee and approve amounts ranging between Rs 20,000 to Rs 1,00,000.

Debt Consolidation Loan

Credit cards and small loans can cost a lot of money if you fall behind on payments due to high interest rates. Avoid falling into a trap with easy debt consolidation loans to clear card dues and salary advance loans.

Travel Loan

Cost of travel can be a burden especially at a young age when visiting places can be most rewarding and fun. Easy travel loans are the best way to finance these ventures through a quick loan paid back in 3-12 months.

Marriage Loan

A marriage loan is a good aid to meet the high costs of wedding or to sponsor related expenses like setting up a new home. The process is fast with minimal documentation to ensure money is in hand to meet expenses.

Medical Loan

Small health related issues like dental problems can crop up anytime requiring quick resolution. Short-term medical loans with quick disbursal can prevent further complications from arising by providing cash in time.

Home Renovation Loan

Have a new home and looking for fresh funds to repair, decorate, makeover or refurbish it? Apply for a home renovation loan with us and get quick disbursal without any hassles

Cashkumar in the Media

P2P Lenders to the Rescue of MSMEs

Access to credit is one of the most painful points among the MSMEs in India. However, with alternate data, GST data stack and AI-driven algorithms, MSMEs are hoping for a change in the credit positions - P2P lenders have stepped up to take up the challenge.

Apr 1 2019

Cashkumar on Economic Times

Every transaction is validated multiple times on P2P platforms: Cashkumar

Peer-to-peer (P2P) lending platforms facilitate lending and borrowing money online. With the ease of digital transactions comes the threat of data theft. spoke to Dhiren Makhija, CEO, Cashkumar, about the safety of personal and financial information shared on the P2P platforms.

Mar 11 2019

Cashkumar on Economic Times

Will ban on unregulated deposit schemes benefit P2P lending?

The next time you are looking for an unsecured loan, make sure you reach out to the right lender. Accepting unregulated deposits will now be illegal. Government has brought an ordinance to ban unregulated deposit schemes (UDS) to protect individual investors from spurious lenders and Ponzi schemes.

Feb 28 2019

Cashkumar on Hindu Business Line

Cashkumar foresees huge potential in online lending for short-term credit

Dhiren Makhija, co-founder of Cashkumar, told BusinessLine that since commencing operations in 2017, the company has expanded its operations to nine cities. “We expanded to Coimbatore last month, followed by a soft launch in Ahmedabad. We are planning to expand to Hyderabad as well soon.”

Aug 03 2018

Cashkumar Achievements

Our Statistics


license by RBI since July 2018

 39.5 crores



Loan Applications

4.7 star rating from Google

Customer Testimonials

Santosh Kumar

Good people with an intention to help others at the time of need. Definitely I would like to recommend Cashkumar to others for a try. I am fully satisfied with the service they provide. Thanks to the entire team.

Rosy Nancy

Thank you very much for all the help. The team very efficient and supportive. Great experience better than banks.

Susmit Choudhure

Thank you very much for all the help. The team very efficiently helped me to get the amount in super quick time. Great experience better than normal banks. Keep up the good work

Nageshwara N

Cashkumar is doing a great job of connecting borrowers with lenders. CK is one of the best P2P platforms in India, which is growing very fast. Keep up the good work.

Raviraj Chodimella

One of the most professional and prompt service recieved so far was from Cashkumar. Really appreciate all your efforts to help people around with their financial needs... I would refer all my needy friends and family members to go for this option in an emergency financial crunch...



Etyacol Technologies Pvt Ltd

#37-1/1, R K Chambers, First Floor,
Aga Abbas Ali Road,
Ulsoor, Bengaluru - 560 042


Phone: +91 6366538764

CIN: U72200KA2012PTC063749

Cashkumar does not provide access to pay-day loans and personal loans less than 90 days tenure. Loans offered on the platform are via NBFC-P2P regulated by the Reserve Bank of India, with loan amounts ranging from ₹ 20,000 to ₹ 1,00,000. Our interest rate ranges from approximately 18% to 24% per annum. Loan repayment tenure ranges from 3 to 12 months while the administration fee (processing fee) is approximately 4%.

Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Etyacol Technologies Pvt Ltd (Cashkumar), and does not provide any assurance for repayment of the loans lent on it.