Fintech IndiaP2P Drives Rural Credit Access Through Lending

IndiaP2P’s FY25 Social Impact Report offers a compelling narrative of how fintech can deliver both financial returns and deep social impact by addressing structural gaps in India’s credit ecosystem. Through a tech-driven, peer-to-peer lending model, IndiaP2P channels private capital into underserved micro-entrepreneurs—especially women—in non-urban India.

Key Takeaways:

• Deep Rural Penetration with Real Impact:
  IndiaP2P expanded operations to 50+ locations across 31 districts, with disbursements concentrated in underserved, non-urban regions including Odisha, Bihar, Uttar Pradesh, Madhya Pradesh, Chhattisgarh, Rajasthan, and West Bengal. Over 99% of the portfolio was deployed in rural and semi-urban areas.
  

• Women Empowerment at the Core:
  78% of loans were disbursed to women borrowers, These borrowers not only exhibit superior repayment behavior but also contribute significantly—up to 40%—to household income.
  

• Social Equity:
  Over 99% of the loan portfolio was disbursed in rural and semi-urban areas, directly countering the credit flow imbalance between urban and non-urban regions. 80% of loans were to low- and middle-income households (EWS, LIG, MIG-1).
  

• Small Businesses, Big Impact:
  75% of the loans funded income-generating activities, with 92% of borrowers being self-employed. IndiaP2P’s average loan size is under ₹2 lakh, targeting a segment largely ignored by formal lenders.
  
  

• Credit for Real India:
  Borrowers are assessed through an innovative mix of behavioural and business data, not just traditional credit scores. This inclusive underwriting approach empowers even less-educated entrepreneurs.

Aligning with the SDGs:

The platform made measurable contributions to five UN Sustainable Development Goals:

• SDG 1 (No Poverty): Income upliftment via credit access
  

• SDG 5 (Gender Equality): Credit flow to women
  

• SDG 8 (Decent Work & Economic Growth): MSME support and job creation
  

• SDG 9 (Industry, Innovation & Infrastructure): Tech-led rural financial infrastructure

• SDG 10 (Reduced Inequalities): Lending across income, gender, and geography lines