| According to IMARC Group’s report titled "India Peer To Peer Lending Market Size, Share, Trends, and Forecast by Business Model, End User, and Region, 2025-2033" the report offers a comprehensive analysis of the industry, including market share, growth, trends, and regional insights. Note : We are in the process of updating our reports to cover the 2026–2034 forecast period. For the most recent data, insights, and industry updates, please click on "Request Free Sample Report". Request Free Sample Report: https://www.imarcgroup.com/india-peer-to-peer-lending-market/requestsample
India Peer To Peer Lending Market Overview The India peer to peer lending market size was valued at USD 7.53 Billion in 2024. IMARC Group projects the market to reach USD 42.92 Billion by 2033, exhibiting a robust CAGR of 21.34% during the forecast period from 2025 to 2033. This growth is driven by rising demand for accessible credit solutions, enhanced digital infrastructure, and increasing investor participation. The report presents a thorough review featuring the India peer to peer lending India peer to peer lending market report, growth, share, trends, and research of the industry.
India Peer To Peer Lending Market Key Takeaways - Current Market Size: USD 7.53 Billion in 2024
- CAGR: 21.34% during 2025-2033
- Forecast Period: 2025-2033
- North India dominated the market in 2024 due to high urban concentration and digital infrastructure.
- The market growth is fueled by underserved borrowers, particularly in tier 2 and tier 3 cities.
- Advancements in AI-driven credit assessment tools streamline approvals enhancing borrower experience.
- Favorable regulations and increasing investor participation boost market expansion.
India Peer To Peer Lending Market Growth Factors - Rising demand for accessible credit solutions among underserved borrowers and small enterprises.
- Expansion of digital infrastructure facilitating the use of AI-driven credit assessment tools.
- Rising internet penetration and smartphone adoption increasing market reach.
- Growing preference for alternative credit sources among underserved and thin-file borrowers.
- Limited accessibility to traditional bank loans resulting in higher reliance on P2P lending platforms.
- Transparent pricing models and quick disbursal mechanisms offered by digital lenders.
- Implementation of favorable regulatory frameworks providing operational clarity to platform operators.
- Strategic partnerships between fintech firms and NBFCs enhancing market capabilities.
- Demographic shifts toward younger borrowers and increased financial literacy promoting market growth.
Buy the Latest 2026 Edition: https://www.imarcgroup.com/checkout?id=31108&method=3462 India Peer To Peer Lending Market Trends - The increasing penetration of smartphones and internet services connects borrowers and lenders digitally, bypassing traditional banks.
- Fintech companies use AI, big data, and blockchain technologies to streamline lending, improve security, and reduce processing times.
- Digital payment systems like UPI and electronic wallets facilitate seamless transactions, enhancing demand.
- Government initiatives promoting digital banking and financial inclusion broaden the user base.
- Investors seek higher returns via P2P platforms, attracting more retail lenders.
- Enhanced trust in digital financial services backed by regulatory frameworks supports expansion.
- The gig economy’s growth increases demand for flexible, quick financing solutions tailored to freelancers and small entrepreneurs.
- AI-driven credit algorithms assess borrowers based on diverse data, improving accessibility.
- P2P lending platforms fill the credit gap for gig workers who face challenges securing loans from traditional banks due to irregular income.
India Peer To Peer Lending Market Segmentation By Business Model - Traditional P2P Model: Involves direct matching of borrowers and lenders.
- Marketplace Lending Model: Largest segment in 2024 with around 65.8% market share; known for scalability, investor diversity, digital integration, and use of AI-driven underwriting.
By End User - Consumer Credit: Leading segment with 75.0% market share in 2024; driven by personal financing needs such as medical, travel, weddings, and lifestyle.
- Small Business: Provides financing options for entrepreneurship and operational needs.
- Student Loan: Supports education financing through P2P lending.
- Real Estate: Enables alternative lending for property purchases and investment.
Regional Insights - North India
- South India
- East India
- West India
Summary: North India dominates the market with the largest regional share owing to its urban concentration, advanced digital infrastructure, and rising financial literacy among key cities. The region benefits from supportive government initiatives, strong fintech presence, and growing investor networks. The overall market is projected to exhibit a CAGR of 21.34% during 2025-2033. India Peer To Peer Lending Market Key Players The report offers an in-depth examination of the competitive landscape, including market structure, key player positioning, leading strategies for success, a competitive dashboard, and a company evaluation quadrant. India Peer To Peer Lending Market Recent Developments & News - In April 2025, Per Annum launched ‘Estates’, a platform enabling retail investors to access premium real estate through fractional ownership, starting at ₹10 lakh.
- In January 2025, LenDenClub introduced daily earning loans with daily interest payouts and various tenures, serving a user base exceeding 2 Crores.
- In October 2024, IndiaP2P rolled out ‘Monthly Income Plan-Plus’ complying with RBI’s revised settlement regulations, offering monthly payouts up to 18% annual interest after fees.
India Peer To Peer Lending Market Key Highlights of the Report - Comprehensive quantitative analysis of market segments and historical trends.
- Detailed market forecast and dynamics until 2033.
- Examination of market drivers, challenges, and opportunities.
- Porter’s Five Forces analysis for industry competitiveness assessment.
- Competitive landscape insights with major company profiles.
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