Dear Readers,
While equities offer excellent long-term returns, a well-diversified asset allocation strategy also incorporates debt instruments for short- to medium-term needs. However, traditional safe havens like Fixed deposits (FDs) often provide minimal returns. To address this, investors should explore higher-yielding opportunities that maintain a strong safety profile. We at RichVik, present one such quality opportunity of P2P lending offered by Liquiloans.
Historically, Indian investors have had a strong preference towards safety of capital & low volatility with sizeable allocation to fixed income and real estate across small & large investors. 
The chart demonstrates a sustained decline in Fixed Deposit (FD) interest rates over time. Conversely, inflation exhibits volatility, though it often surpasses FD yields, leading to negative real returns for investors.
Why settle for lower returns on a fixed deposit when you can explore potentially higher yields through a Peer-to-Peer (P2P) lending platform.
About Liquiloans:
Liquiloan is P2P lending Platform which provides loan Services. They provide quick & hassle-free loans with flexible repayment option. Liquiloans has the total disbursements over Rs.5,576 crores with the Gross NPA being 0.87% & total borrowers 12,53,000.
Liquiloan are the world’s first P2P to get loan pool rated ICRA AA (SO). Instruments with this rating are considered to have high degree of safety regarding timely servicing of financial obligations. Such instruments carry very low credit risk.
Liquiloans accepts deposits from the investors who invest in Liquiloans & lends amount to the retail customers who requires the loan for various purposes, including luxury treatment, education, fintech ventures and home improvement projects.
Product Offerings:
There are two Schemes: –
1) Lock in Period investment Scheme- In this Investment scheme there are lock in period of 3 to 36 months with yields varying from the 8.60% till 9.50% it will depend upon the investment scheme. Also, in this scheme the withdrawal is not allowed.
2) Flexi Lock in Scheme-The Flexi lock in scheme has the tenure of 1 to 3 years of which yields varies from the 9% till 9.25%. In this scheme there are certain conditions regarding withdrawal of invested amount. The yield will differ from the year to year. But all these schemes beat the inflation rate.
MHP: Minimum Holding Period; SI: Simple Interest, Monthly Payout is available in all schemes (Except Flexi-Lock-in (Double Advantage) Scheme)
RBI Requirement: CA Certified Net-worth Certificate for >10 Lakh Investments.
Performance & Safety Margins:
From the below diagram, in the unlikely scenario of Elevated loss levels estimated by ICRA, investors shall still earn their capital and the indicative yield. Liquiloan fees keeps reducing with increase in NPAs, hence Liquiloan shall always endeavor to source the best quality borrowers.
Conclusion:
Integrating traditional investment strategies with peer-to-peer lending presents a compelling option for investors seeking portfolio diversification and potential return enhancement. This approach leverages the stability of traditional assets while incorporating the higher yield potential of P2P lending. This balanced strategy can facilitate wealth accumulation while maintaining effective risk management.
To understand more on the topic as well as to start investments please feel free to contact us:
Phone: +91-9324609115
E-mail: team@richvikwealth.in
The article is authored by Mr. Saurabh Gosavi from Team RichVik.