We are finzy
finzy is India's premier peer to peer lending portal. We digitally connect investors to hand-picked borrowers to provide risk optimised returns that are as high as 2.5 times of bank Fixed Deposit on an average.
Hand Picked Borrowers
Our sourcing methods and proprietary credit algorithm takes into account as many as 130 parameters to get you access to prime borrowers
Your investments are split into multiple loans at the click of a button. This granular investment across loans helps you optimise risk and return
Regular Monthly Returns
Now you can start earning EMIs. Your investments in loans help you receive monthly returns, which are credited directly into your registered bank account
Power of Compounding
Unlock the power of compounding.You can now choose to re-invest your monthly returns in new loans on finzy through our powerful Re-invest PRO feature
Finzy takes care of your investments
finzy helps you invest in a new asset class by connecting you with the right borrowers. You earn monthly returns by investing in personal loans that are risk optimised
Finzy is an NBFC - P2P registered with RBI. We have a time-tested team and robust business processes to ensure we provide transparency to our customers. We have achieved zero NPA's since our inception
Finzy meets borrowers in person for execution of loan agreements, stamp paper, post-dated cheques and demand promissory note ensuring documentation is complete and legally bound
Automated EMI Collection
Finzy collects monthly EMI electronically from the borrowers themselves and transfers them to your registered bank account. All information of your investment is available on your finzy dashboard
Follow up & Recovery
Finzy has a detailed follow-up and recovery process. This comprises of our call-center, field visits by our internal collection team, tie-ups with bank recognised collection agencies and lawyers
How you can get started
finzy makes the entire
simple and user friendly.
You can create your portfolio in a couple of minutes.
Why invest with finzy
We take care of your trust by assigning deserving credit rating to each borrower and supporting in investment, documentation, monthly collections, account reconciliation and recovery
Simple and Easy
finzy supports you at every step:
- Simplified documentation
- Automating monthly collections and accounts reconciliation
- Handling recovery process and supporting legal recourse
- Visual dashboards for tracking investments
Your investment is split across multiple loans to give you an optimal balance of risk and return. This can be done at a click of a button through our “finzyPRO” feature or you can choose to pick the loans you want to invest in.
For example, instead of your investment of 1 Lakh going to a single borrower, at finzy it is split into atleast 5 borrowers of 20,000 each.
Our credit assessment of a borrower is based on a proprietary scientific algorithm that takes into account as many as 130 parameters like:
- Demographic Information
- Income and Employment details
- Leverage Ratios
- Field verification and Database checks
finzy ensures Investors, the choice of the right Borrower
Finzy stands for transparency & trust, hence there are:
- No registration fees
- No processing fees
- No hidden charges
- We take a small fee only when you earn your returns
Explore your return on investments
Based on our credit algorithm, borrowers are rated from A1 (low risk) to C6 (high risk). Higher the risk you are willing to take, higher are your expected returns
10.99 % - 15.99 %
16.99 % - 21.99 %
22.99 % - 27.99 %
The core team
The founding team of Finzy are professionals who have excelled in their fields ranging across finance, technology, product, sales, marketing and leadership.
Founder & CEO
Amit brings vision, business strategy and core financial sector domain knowledge to Finzy. Amit is an expert in the Indian Banking & Financial Services industry with over 16 years of experience across ICICI Bank, Credit Suisse AG and Edelweiss.
Co-founder & CTO
Abhinandan is an expert in building capabilities across geographies. He oversees Tech and Product at finzy and has over 19 years of experience with organizations like ThoughtWorks, Sabre, MindTree, Siemens, Amadeus.
Co-founder & CMO
Vishwas is the face of Finzy. With 23 years of Sales, Marketing & Distribution experience in organizations like Toyota, TVS and Dunlop,he brings in expertise in market expansion projects and creating distribution networks.
CIO & Head of Product
Apoorv has over 13 years of experience in envisioning and building digital products. He has worked across the globe to create and deliver products. With a passion for experience design, at finzy, he focuses on product strategy and service design.
What our customers say
Here is what investors who have experienced finzy have to say
VP & Head of Operations at a Software Company, Bangalore
As someone who considers himself a seasoned investor, I have been very pleasantly surprised by the latest innovation on Finzy, namely Reinvest-Pro. The feature not only significantly reduces the risks and increases the returns, it also does so in a very seamless manner. The investor doesn't have to keep track of multiple things and can let the system work its magic, but still can change things any time he/she wishes. A great addition to the already attractive nature of the Finzy platform that every investor has to take benefit from.
Manager - Toyota, Bangalore
In this busy work life there isn't real scope to understand investment options , evaluate them , and invest. Moreover, the complications of ups and downs of market impacting my investment. Finzy is strongly recommended for people like me... I started investing 8 months back and I am thoroughly impressed with a consistent returns of ₹ 13k coming to my account as interest each month with a wonderful feature Reinvest-Pro. Now this is what I love the most - finzy takes care of my investment with my focus clearly on returns and without need to understand the financial complexities.
Home Maker, Kolkata
All my life , there was a sense of having money but traditionally kept in fixed deposit with money at bank and returns very less, till I was introduced to finzy. Now all my FD has been moved to finzy and I get almost 2.5 times FD interest coming to me every month, that's smart - it helps me take care of my monthly expenses without depending on anybody + my investment is getting reinvested.
We have been in the news
Here's What The Media Has To Say About Us