There are two big lenders you messed.

Capital float was the biggest in terms of disbursement and had skin in the game. And product wise had the best one. Unfortunate the p2p regulations are a dampner for the sector and doesn't allow platforms to make much money

- Vineet, ex capital float

Expand full comment

9% pre tax is 6.3% post tax

If you're lending minimum 1 L you're in top bracket

PF seems better option 7.2% tax free with zero risk

Only downside of PF is that it has little or zero liquidity

Even Debt Funds seem better option than P2P lending

Even CPs seem good till recently Adani Enterprises was borrowing at 8.1% annualized yield for 91 day paper

Expand full comment