Alternative Lending opportunities in India

We are finzy

finzy is India's premier peer to peer lending portal. We digitally connect lenders 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

Diversified Lendings

Your lendings are split into multiple loans at the click of a button. This granular lending across loans helps you optimise risk and return

Regular Monthly Returns

Now you can start earning EMIs. Your lendings 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-lend your monthly returns in new loans on finzy through our powerful Re-lend PRO feature

Finzy takes care of your lendings

finzy helps you lend in a new asset class by connecting you with the right borrowers. You earn monthly returns by lending in personal loans that are risk optimised

Trusted Platform

Finzy is an NBFC - P2P registered with RBI. We have a time-tested team and robust business processes to ensure we provide transparency to both lenders and borrowers

Secure Documentation

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 lending 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 lending process simple and user friendly.
You can create your portfolio in a couple of minutes.

Why lend with finzy

We take care of your trust by assigning deserving credit rating to each borrower and supporting in lending, 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 lendings

Diversification

Your lending 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 lend in.

For example, instead of your lending of 1 Lakh going to a single borrower, at finzy it is split into atleast 5 borrowers of 20,000 each.

Credit Algorithm

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 Lenders, the choice of the right Borrower

Transparency

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 lendings

Based on our credit algorithm, borrowers are rated from A+1 (low risk) to C6 (high risk). Higher the risk you are willing to take, higher are your expected returns

Lend in A category loans rated 7.99% to 9.99%

7.99 % - 9.99 %

Lend in A category loans rated 10.99% to 15.99%

10.99 % - 15.99 %

Lend in B category loans rated 16.99% to 21.99%

16.99 % - 21.99 %

Lend in C category loans rated 22.99% to 27.99%

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.

Amit More

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 22 years of experience across ICICI Bank, Credit Suisse AG and Edelweiss.

Mayank Soti

Chief Strategy Officer

Mayank is an expert in business planning and strategy. With 24 years of execution, risk and business building experience with organisations like Shyam Telelink, GE Countrywide, Tata Teleservices, EITC (du) and Edelweiss.

Rahul Tiwari

Chief Technology Officer

Rahul is the tech brain at Finzy. With 18 years of architecture, tech solutions and experience of building systems in organisations like IBM, TCS, Mindtree, Standard Chartered and TechCanopy, he brings in expertise in core technologies and building scalable systems.

What our customers say

Here is what lenders who have experienced finzy have to say

Girish Vyasamudri

VP & Head of Operations at a Software Company, Bangalore

As someone who considers himself a seasoned lender, 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 lender 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 lender has to take benefit from.

Kuldeep Patnaik

Manager - Toyota, Bangalore

In this busy work life there isn't real scope to understand lending options , evaluate them , and lend. Moreover, the complications of ups and downs of market impacting my lending. Finzy is strongly recommended for people like me... I started lending 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 lending with my focus clearly on returns and without need to understand the financial complexities.

Urmila Ramgarhia

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 lending is getting reinvested.