Meet your new high yielding asset class

Invest in retail loans
Annualised returns[ 1 ] upto 11.5%
Diversify your portfolio beyond Mutual Funds & Stocks

What should you know?


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Upto 11.5% annualised return with an option to take monthly interest payout

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Highly liquid and can be withdrawn in T+2 days*

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Adequate cushion in case of defaults to a defined threshold

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Highly diversified pool of borrowers to lower concentration risk

How does Orowealth P2P lending work?


Fund invested by individual investor
1
Fund goes to designated escrow account managed by bank and trustee
2
Fund is disbursed to set of approved & diversified borrowers
3
Borrower repays via monthly EMI
4
Repayments received by the Investor which can be reinvested again.
5

A proven platform for solid returns


See how Orowealth P2P stacks up with other investments.** Based on an investment of Rs.10,000 from Jan. 2012- Mar. 2019.

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**Orowealth P2P Index is calculated based on the actual historical monthly returns from January 1, 2019 to May 31, 2019. The current returns have been simulated in order to arrive at the historical values of the index from January 1, 2012 to May 31, 2019. The Orowealth P2P Index reflects returns that are based solely on the cash flows of the underlying loans. These loans are not marked-to-market. In comparing the performance of the Orowealth P2P Index against the performance of other investment products, you should consider factors beyond volatility and yield. Data in this chart is for simulated for informational use only. Historical returns are not a promise of future results.

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The easiest way to start investing.

Orowealth is a fully free direct mutual fund platform with no hidden costs or commissions. Happy investing!

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FAQs
i. P2P lending is an asset class where you loan money to retail individuals. Orowealth has a partnership with LiquiLoans (https://www.liquiloans.com), a RBI licensed P2P NBFC (Non Banking Financial Company). Liquiloans is a marketplace that brings together investors such as yourself, and pre-vetted borrowers with a good credit history, who wish to avail retail loans.
ii. The money that you invest in Liquiloans is disbursed to borrowers. In return you receive monthly interest payments over the tenure of the Investment, which you may opt to take a payout / reinvest the same.
iii. Orowealth P2P is an attractive asset class with returns upto 11.5% XIRR. Providing a loan also means you may receive EMI repayments from your borrowers every month for the entire duration of the Investment.
iv. Indicative Borrower Profile: Largely Salaried, High Credit Bureau Score Rated Individuals in Mainly Metro Cities (Avg. Score of 700+)
v. Average Loan Size: ~INR. 50-75k (Which is an Avg. 15-20% of Borrowers Annual Salary)
i. LiquiLoans is funded by Matrix Partners (Ola, Practo, Quickr, Treebo are few other portfolio companies)
ii. The company is RBI registered NBFC- P2P
iii. The founders of LiquiLoans have also co-founded Rentomojo (an online platform for rental of furniture, appliances and bikes)
iv. Chief Risk Officer (CRO) of LiquiLoans was senior director with Lending Club – which is one of the largest P2P platforms across the globe
Any Individual, a body of individuals, a HUF, a firm, a society or any artificial body, with a valid Indian 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.
At LiquiLoans, the initial amount required to be transferred to the Escrow account for lending is INR 1 Lakh
As per RBI guidelines of Oct 4’ 2017, the following limits are applicable to any person lending on P2P platforms:

i. You can maximum lend INR 10 lakhs per PAN Card across all P2P lending platforms
ii. You can maximum fund INR 50,000 per loan.
Yes, Peer to Peer lending in India is backed by the RBI’s robust regulatory guidelines from October 2017. These guidelines recognize P2P lending platforms as a new class of NBFCs (“NBFC – P2P”) and define the scope of permitted activities, minimum capital requirements and other key operational parameters.
Lenders can expect a net pre-tax return up to 10-11.5% XIRR Max. on the net invested amount. LiquiLoans, however, does NOT guarantee any returns.
i. Liquiloans doesn’t charge any upfront / exit / transaction fee to the lender. The entire commission of LiquiLoans is back ended which is received only after the lender earns his / her hurdle rate as defined in lender’s agreement i.e. LiquiLoans charges a small commission, at the end of the tenure, for facilitation the transaction between the Lender and the Borrower. The details are specified in the Annexure of the Lenders Agreement
ii. There are no additional fees to invest in P2P lending through Orowealth p2p.
You’ll see your entire Liquiloans portfolio within Orowealth P2P, including investment you had made prior to Orowealth P2P.
Peer to Peer lending, like other asset classes, works best with portfolio diversification. With an initial investment of INR. 1 lakh, you can build a lending portfolio across 100+ loans which ensures investment risks a minimized - enabling you to enjoy high yields consistently. Smaller investments, result in concentration of portfolio across fewer loans and hence do not provide for sufficient levels of diversification. Hence, initial investments less than INR. 1 lakh are NOT recommended.
You can find the option to Withdraw at the bottom of your dashboad portfolio screen on Orowealth P2P.
As per RBI regulations, a trustee manages and operates the escrow account at all times. The trustee has access to the original borrower’s agreement and NACH mandates that allow them to take necessary steps to recover the funds on behalf of Lenders.
Not at all – you can continue to access the full-featured Liquiloans experience at their website regardless of whether you use Orowealth P2P or not.

*On a best effort basis
1Weighted average historical return for loans originated through Liquiloans as of May 31, 2019. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans).

The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related corrective non-cash adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.

RBI DISCLAIMER

Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Alpha Fintech Pvt. Ltd. RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or the opinions expressed by the company and for repayment of deposits / discharge of liabilities by the company.

The information contained herein is only to enable the Lender to make a considered decision. Any decision taken by the Lender on the basis of this information is the sole responsibility of the Lender and Orowealth P2P is not liable. This information does not include any sensitive personal data or information of the Borrower. Any investment decision taken by the lender on the basis of this information is at discretion of the lender and Orowealth P2P does not guarantee that the loan amount will be recovered back from the borrower fully or partially. The risk is entirely on the lender. Orowealth P2P will not be responsible for the full or partial loss of the principal and/or interest of lenders’ investment. Orowealth P2P has partnered with liquiloans, who merely aids and assist the Lenders and the Borrowers listed on its website to make and receive loans and charges a service fee from the Lenders and the Borrowers for such assistance. Orowealth P2P is only an ‘Intermediary’ under the provisions of the Information Technology Act, 1999.

Any calculations made are approximations, meant as guidelines only, which you must confirm before relying on them. The information contained in this document is for general purposes only. The current investment strategies are subject to change depending on market conditions. The document is given in summary form and does not purport to be complete. The document does not have regard to specific investment objectives, financial situation and the particular needs of any specific person who may receive this document. The information / data here-in alone are not sufficient and should not be used for the development or implementation of an investment strategy. The statements contained herein may include statements of future expectations and other forward-looking statements that are based on our current views and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Past performance may or may not be sustained in future. NDX P2P Pvt. Ltd. (Liquiloans) nor any person connected with them, accepts any liability arising from the use of this document. The recipient(s) before acting on any information herein should make his/her/their own investigation and seek appropriate professional advice and shall alone be fully responsible / liable for any decision taken on the basis of information contained herein.

ABOUT US

Orowealth P2P is a product of Orowealth — an investment platform for informed investors to make better decisions. Invest with us, and experience the difference that solid, unbiased advice can make.

Orowealth has a partnership with LiquiLoans — which is a marketplace that brings together investors such as yourself, and pre-vetted borrowers with a good credit history, who wish to avail 0% EMI services.

© Orowealth Alpha Fintech Pvt. Ltd. SEBI registered investment advisor(INA000010089 & INA000005549)