Any Indian resident, with a valid Indian Resident Bank Account and PAN card can lend on LiquiLoans. RBI listed finance companies or Companies formed under the Indian Companies Act are also eligible to apply as Lenders.

It is a simple 4 step process:

1. Sign up on the platform through the website (www.liquiloans.com) by filling in some basic details about yourself. You will be given credential to log-into your account and view your dashboard. Our support team will verify your details and get in touch with you within 12-24 hours. Once account is created, kindly login & go to your profile to update your personal details & upload soft copies of your PAN & Address Proof.
2. Once your registration is verified and approved, you will get agreement on your mail which can be digitally signed using OTP sent on the lender’s email. The agreement will have complete Terms and Conditions along with the commercials specified in the Annexure.
3. Make Investment – Transfer monies into our Escrow account either by using NEFT/RTGS/IMPS or through Payment Gateway – Netbanking, UPI or Debit Card
4. Your investment will get auto-allocated across a diversified pool of borrowers over time and updates will be visible to you on your dashboard regarding the same

LiquiLoans conducts a verification process of the data and documents provided by Lenders. We try to ensure that all our Lenders are genuine and do not use our platform to fund any prohibited actions or purposes.

Lenders can expect net return in the range of 11-12% basis the amount of investment and lock-in if any

We have our proprietary algorithm which allocates the money of all investors to approved borrowers. Our algorithm ensures that investors have an average exposure of 5% or lower of their portfolio to a particular.Borrower. This ensured that the risk is highly diversified across a pool of prime Borrowers.

All borrowers approved by LiquiLoans are curated through various data points and undergo stringent verification. Monies lent at all points are routed directly through the Escrow (3rd Party) bank account and the same is managed by an Independent Trustee; who then disburses the monies to multiple borrowers (post receipt of Borrowers Loan Agreement & NACH from Liquiloans). There is a risk that a borrower may default. In case where a borrower defaults, their on-going service / treatment or programme may be stopped. The borrower agreement is a legally binding document. A collections process is evoked to recover funds which will impact the borrowers high credit rating (CIBIL). In case any borrower ends up defaulting even after the recovery process is initiated, LiquiLoans earns no income till the lender makes his indicated return. Thus, an investor is safeguarded to a large extent and risk is minimized. Please read and understand Terms and Conditions before investing.

Yes. To ensure secure, fast and smooth transfer of funds with every transaction on the platform, LiquiLoans has opened a Lenders Escrow account with IDBI Bank under the IDBI Trusteeship. You need to transfer the amount you wish to invest through LiquiLoans into the Escrow account.

You can fund or recharge your escrow account using any of the following methods:

1. Log in to your LiquiLoans account, click on Wallet, then click on “Add Money” icon on the top left corner of the dashboard and enter the amount you wish to transfer
2. The funds can be transferred in our Escrow account through NEFT/RTGS/IMPS.
3. The funds can also be transferred through our Payment Gateway using Net Banking, UPI and Debit Cards

Once a loan transaction is closed with the borrower, he has signed the loan agreement and provided the PDCs and NACH, the loan amount is transferred from the lenders virtual account to the borrower’s bank account immediately.

1. As with any lending, there are some risks, the biggest being that a borrower doesn’t repay. At LiquiLoans we try to keep this risk to a minimum by ensuring that every borrower registered with us is identity-checked, credit-checked and risk-assessed by our experienced team. The loan is disbursed only after the borrower signs the legally-bound loan agreement. In case of default we use legally-compliant collections agencies to follow-up and collect missed payments on the lender’s behalf. Though we do our best to manage the risk at every step, defaults may happen. We therefore ensure that investment of each lender is diversified across a number of borrowers to reduce risk.
2. There is a risk that a borrower may default. In case where a borrower defaults, their service / treatment or programme may be stopped. The borrower agreement is a legally binding document. A collections process is evoked to recover funds which will impact the borrowers high credit rating. In case any borrower ends up defaulting even after the recovery process is initiated, LiquiLoans earns no income till the lender makes his indicated return. Thus, an investor is safeguarded to a large extent and risk is minimised.
3. All investments involve risk, but we are 100% committed to providing outstanding products and customer service, and protecting the safety and security of your personal information. Risks are addressed through:
   1. Online security measures
   2. Third party, independent trust company holding the funds
   3. Diversification – by lending to many borrowers
4. LiquiLoans has also partnered with Experian and CIBIL Credit Bureau in India and built a proprietary credit scoring model based on decades of payment behavior by millions of Indian consumers to financial institutions in the past. This scoring predicts the probability of repayment by the borrower.

1. LiquiLoans will facilitate the collection through its in-house collection mechanism and also send a legal notice on behalf of the lender to the borrower.
2. Expenses incurred for sending legal notices, by recovery agency and towards other legal proceedings are borne by LiquiLoans
3. Liquiloans has already signed up with 2 Cash Collection Agencies to recover monies (if the in-house team isn’t able to trace out to the consumer), who then on Liquiloan’s behalf will try and reach out to the borrower and get back the outstanding monies.

We have our proprietary algorithm which allocates the money of all investors to approved borrowers. Our algorithm ensures that investors have an average exposure of 5% or lower of their portfolio to a particular.Borrower. This ensured that the risk is highly diversified across a pool of prime Borrowers.

1. A summary of the Borrower profile will be visible on the Lender’s Dashboard post disbursal of the loan. This includes details like age, city, employment, CIBIL and salary. Loan details such as Borrower’s FOIR (Fixed Obligation to Income Ratio) and End use of the Loan along-with the lender’s contribution to the said total loan.
2. However, we do not reveal the Borrower’s name, address and contact details. For further information, please view LiquiLoans Policy and Terms and Conditions.

In case you chose a monthly interest payout scheme, the payout will be done on the last working day of every month. In case you want to redeem in parts or full, you can do so from your investor dashboard (before 3pm on a working day) & payout of the same will be made in T+2 working days on best effort basis.

All repayments you receive from Borrowers on LiquiLoans will be without any tax deduction (TDS). We will provide an annual income statement to you to download from your dashboard. Earnings will be taxable as per the income tax rules that apply to you. Paying the applicable tax on income earned is your responsibility and LiquiLoans is not liable for any default on the same. Request you to consult your tax advisor for the same.

There is option for institutional lenders and NBFCs to fund through the website provided they meet the set criterion and accept the T&Cs. Please do CONTACT US to discuss this further.

Escrow account ensures secure, fast and smooth transfer of funds with every transaction on the platform. Faster transactions lead to faster disbursal and faster investment. Automated, online transactions with least human interface means seamless accounting procedures. Also, escrow enables the lender to have a ringed fence transaction i.e. no monies are lent to LiquiLoans Balance Sheet.

Most of the Borrowers who are approved by LiquiLoans are employed, getting an avg. salary of 25k+ per month, aged between 20-55 and with a Avg. Bureau score of 700.

LiquiLoans is amongst the few lending platforms to receive the Certificate of Registration (CoR) as an NBFCP2P from the Reserve Bank of India (RBI).

If due to any unfortunate circumstances a user decides to leave us, her/his account can be deleted by writing a mail to our support team along with a reason for the deletion.