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Follow Kushal Lodha on Social Media:

📝 LinkedIn: https://www.linkedin.com/in/kushallodha548/

📷 Instagram: https://www.instagram.com/kushallodha548/?hl=en

📱 Twitter: https://x.com/kushallodha548

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Check out LenDenClub:

Website - https://www.lendenclub.com/

Instagram- instagram.com/lenden.club

Youtube- https://www.youtube.com/@LenDenClubOfficial

LinkedIn- in.linkedin.com/company/lenden-club

Download the LenDenClub App: https://lendenclublender.page.link/xZbo

Check out Bhavin:

Instagram- https://www.instagram.com/unfilteredfounder/

LinkedIn - in.linkedin.com/in/bhavinpatel2022

Youtube- https://www.youtube.com/@UC-kIftN5XbPoFq5SSF78Zvg

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LenDenClub, India's most trusted Peer-to-Peer (P2P) lending platform, is owned and operated by Innofin Solutions Pvt. Ltd., an RBI-registered NBFC-P2P. The platform connects lenders seeking high interests with creditworthy borrowers. Lenders have historically achieved an XIRR of 11.28% p.a*. With an active user base of over 2 crore users and loan disbursals exceeding ₹16,000 crore, LenDenClub continues to lead the P2P lending space.

In this episode of KwK, we’re joined by Bhavin Patel, co-founder and CEO of LenDenClub, India’s largest peer-to-peer (P2P) lending platform. Bhavin unpacks the P2P lending model, explaining how it works, its potential returns, and why it’s becoming a popular alternative for investors seeking diversification.

The discussion covers key topics like portfolio allocation, regulatory challenges, and how LenDenClub navigated controversies, including an RBI penalty. Bhavin also shares his views on customer mindsets, interesting use cases, and the differences between Indian and international P2P markets.

Beyond P2P lending, Bhavin reflects on his entrepreneurial journey, the Gujarati business mindset, and LenDenClub’s collaborations with celebrities like Hardik Pandya. Whether you’re an investor or entrepreneur, this episode offers valuable insights into fintech, innovation, and alternative investing.

Don't forget to like, subscribe, and hit the bell icon for more insightful and interesting content! 🎥📚

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Timestamps

00:00:00 Introduction

00:03:56 AUM of LenDenClub      

00:06:02 Why will someone invest in P2P lending      

00:09:03 Entire process of P2P lending

00:16:21 Highest returns ever in P2P lending

00:18:37 What % of your portfolio should be invested in this class?

00:20:34 Controversy regarding P2P lending space

00:25:53 RBI penalty imposed on LenDenClub   

00:27:19 How are Chinese markets different from Indian markets?

00:34:07 Interesting customer demands and ideologies

00:39:45 How should you start investing in this asset class

00:42:44 Experience of working with Hardik Pandya      

00:46:19 Celebrities investing in New Age Startups 

00:49:14 Gujrati Mindset of Bhavin Patel to grow his business       

01:00:57 Total customers of LenDenClub and their mindset   

01:04:53 How does the LenDenClub team stay motivated?    

01:08:00 Educational Background of Bhavin Patel & Struggle stories   

01:21:18 Bhavin shares a last message for all the viewers