Driving 91.89 % Of Transactions On The Platform, UPI Emerges Dominat Payment Method

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UPI has emerged as the dominant payment method among lenders, driving 91.89 per cent of transactions on the platform, far ahead of net banking, IMPS, and debit cards, a report said.

Female lenders deployed an average of Rs 2.5 lakh, more than four times higher than the average amount lent by men, according to the P2P Lending Trends Report 2025 released by LenDenClub, an RBI-registered peer-to-peer (P2P) lending platform.

The report, which analysed investment activity across more than one lakh lenders on the platform, said about 68 per cent of lenders on peer-to-peer (P2P) platforms lend across multiple borrowers to manage risk, indicating a clear shift towards more structured and disciplined lending behaviour.

As financial awareness improves and investors adopt disciplined diversification strategies, digital credit could become an increasingly meaningful component of modern investment portfolios, Bhavin Patel, co-founder and CEO of LenDenClub, said.

The average investment amount on the platform stands at around Rs 2 lakh, with investors typically allocating funds across a large number of borrowers, it said.

On average, it said, investors have funded over 200 borrowers, reflecting a clear preference for diversification to manage exposure.

Nearly 68 per cent of investors have funded more than one loan, highlighting repeat participation and continued engagement on the platform.