LiquiLoans
LiquiLoans is an RBI-registered NBFC-P2P lending platform that connects individual lenders with creditworthy borrowers for unsecured personal loans in India, operating a proprietary credit-scoring algorithm and ICICI Bank-administered escrow.
- Company typePrivate
- Founded2018
- HeadquartersMumbai, India
- Headcount251–500
- GTM typeB2C
- OfferingServices
What LiquiLoans does
LiquiLoans, legally NDX P2P Private Limited, is a Mumbai-based RBI-registered NBFC-P2P lending platform founded in April 2018 that operates a peer-to-peer marketplace connecting individual lenders with salaried and self-employed borrowers for unsecured personal loans of Rs. 10,000 to Rs. 10 lakhs over 3-36 month tenures. The platform screens borrowers through KYC, credit score (average 700+), and income verification via a proprietary credit assessment algorithm that assigns risk grades and sets interest rates of 12-25% per annum, with lender portfolios automatically diversified across 150-200 borrowers with a 0.5% maximum exposure per borrower. All platform funds are administered through ICICI Bank as trustee, and lenders access portfolio management through the core website and the LiquiMoney mobile app, with the company claiming a 0% net NPA track record and indicative lender XIRR returns of 7.5-10%.
The business model is a transaction-fee marketplace monetizing both sides: borrower processing/origination fees and lender servicing fees for portfolio management. Go-to-market is direct-to-consumer digital via the LiquiLoans website, LiquiLoans Marketplace portal, and LiquiMoney app on Android and iOS, supplemented by content marketing and partner channels. LiquiLoans is venture-backed, having raised Rs. 12+ crores in seed funding from Matrix Partners India and prominent angels in April 2018, a subsequent round led by Z47 in January 2019, and a $10 million strategic minority investment from CRED in September 2022 alongside Ananta Capital. Since August 16, 2024, the platform has paused all new transactions following revisions to the RBI Master Direction governing NBFC-P2P platforms, while continuing to service existing loan agreements.
LiquiLoans firmographics
Firmographics- Name
- LiquiLoans
- Legal name
- NDX P2P Private Limited
- Website
- https://liquiloans.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- LiquiLoans is an RBI-registered NBFC-P2P lending platform that connects individual lenders with creditworthy borrowers for unsecured personal loans in India, operating a proprietary credit-scoring algorithm and ICICI Bank-administered escrow.
- Ownership category
- akta.pro rank
LiquiLoans industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industry
- P2P Debt Consolidation & Refinancing (FSAKAHAB)
Keywords
Where LiquiLoans is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
LiquiLoans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Borrower Processing Fees: Fees charged to borrowers for loan processing and origination on the platform.
- Lender Servicing Fees: Fees charged to lenders for platform services including portfolio management and loan servicing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Borrower Interest Rates |
| Usage-based | Pay-as-you-go | Lender Returns |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
LiquiLoans product offering
Product offeringCore offering
LiquiLoans (NDX P2P Private Limited) operates an RBI-registered NBFC-P2P lending marketplace that connects individual lenders seeking higher-yielding returns with salaried and self-employed borrowers seeking personal, consumption, and deposit financing loans. Lenders can start with Rs. 10,000 and cap exposure at Rs. 50 lakhs across P2P platforms, while borrowers can access loans up to Rs. 10 lakhs for tenures of 3 to 36 months, with funds held in ICICI Bank escrow under trustee administration.
Product overview
LiquiLoans operates a unified P2P lending marketplace consisting of the core LiquiLoans platform and the LiquiMoney mobile app. The platform connects creditworthy borrowers (primarily 'A' category with 700+ credit scores) with individual lenders, enabling unsecured personal loans. Lenders spread funds across 150-200 borrowers with 0.5% portfolio exposure per borrower to mitigate risk. The LiquiMoney app provides lenders mobile access to manage their investments. The platform is supplemented by a separate marketplace portal. All transactions are facilitated through ICICI Bank escrow accounts under trustee management.
Differentiator
Problem solved
Functional benefit
Brands
- LiquiMoney: Mobile investment application allowing users to manage their P2P lending investments and track returns on-the-go.
Products and services
- LiquiLoans P2P Lending Platform RBI-registered NBFC-P2P lending marketplace that connects individual lenders with salaried and self-employed borrowers for unsecured personal loans. Lenders can invest from Rs. 10,000 up to a Rs. 50 lakh cap across P2P platforms; borrowers can access loans up to Rs. 10 lakhs for 3-36 month tenures at risk-based interest rates of 12-25% per annum. Funds are managed through ICICI Bank escrow under trustee administration.
- LiquiMoney Mobile Application Mobile investment application that allows lenders to manage their P2P lending portfolios, track investments, monitor borrower repayments, and view returns on the go.
- LiquiLoans Marketplace
Quantifiable outcome
- 7.5-10% XIRR returns for lenders (indicative); historical returns up to 10.5-12%
- +3 more outcomes
Companies that use LiquiLoans
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
LiquiLoans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
LiquiLoans partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
LiquiLoans competitors and assessment
Company assessmentRegional players
- MoneyTap: India-based app-based personal credit line product. Comparable in serving salaried borrowers seeking digital-first personal credit, though delivered as a revolving line rather than P2P-matched term loans.
- ZestMoney: India-based digital consumer credit / EMI-financing platform partnering with merchants. Overlaps with LiquiLoans' merchant 0%-EMI flows and consumer credit underwriting, though structured more as BNPL than P2P.
- CASHe: India-based digital lending platform targeting salaried millennials with short-term personal loans. Comparable target borrower segment (salaried, 700+ profile) and risk-based pricing model.
Direct peers
- LenDenClub: One of India's largest RBI-registered P2P lending platforms, offering consumer P2P personal loans to lenders with risk grading and diversification — the closest direct competitor to LiquiLoans on product, customer and regulatory profile.
- Faircent: Pioneer RBI-registered P2P platform in India covering consumer and SME lending. Directly comparable on regulatory model, borrower underwriting flow and lender marketplace mechanics.
- i2iFunding: RBI-registered Indian P2P platform focused on personal loans with credit-grade-based pricing and lender diversification — essentially the same product wedge as LiquiLoans.
Broad incumbents
- LendingClub: US-listed incumbent P2P lending marketplace. Comparable business model (individual lenders funding consumer loans via a digital platform) and useful as a public-market benchmark for unit economics, even though geography differs.
- Prosper Marketplace: US-based consumer P2P lending marketplace. Similar matching model for unsecured personal loans with risk-based pricing, and a useful reference point for platform economics at maturity.
Emerging players
- Upstart: AI-driven consumer lending marketplace using alternative credit data for risk-based pricing. Comparable through its algorithmic underwriting and marketplace structure, even though it now operates more as a lending-as-a-service partner to banks.
Others
- Razorpay: Indian payments and merchant banking infrastructure provider listed as a LiquiLoans partner. Comparable as an ecosystem enabler for LiquiLoans' merchant financing flow, rather than as a direct lending competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
LiquiLoans social profiles
Digital presenceLiquiLoans compliance and trust
Trust signalCompliance2 records
LiquiLoans financial estimates
Financial estimateRevenue estimate
Valuation estimate
LiquiLoans leadership team
Management profileNumber of profiles
Profiles3 records
LiquiLoans funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LiquiLoans M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LiquiLoans
What does LiquiLoans do?
LiquiLoans (NDX P2P Private Limited) operates an RBI-registered NBFC-P2P lending marketplace that connects individual lenders seeking higher-yielding returns with salaried and self-employed borrowers seeking personal, consumption, and deposit financing loans. Lenders can start with Rs. 10,000 and cap exposure at Rs. 50 lakhs across P2P platforms, while borrowers can access loans up to Rs. 10 lakhs for tenures of 3 to 36 months, with funds held in ICICI Bank escrow under trustee administration.
Is LiquiLoans a public or private company?
LiquiLoans is a private company. It is classified as venture growth investor backed and is currently operating.
When was LiquiLoans founded?
LiquiLoans was founded in 2018. It employs 251 to 500 people.
Where is LiquiLoans based?
LiquiLoans is headquartered in Mumbai, India, in the Asia region.
How does LiquiLoans make money?
Two revenue lines are on record. Borrower Processing Fees are the primary driver. The others are lender Servicing Fees.
Who are LiquiLoans's main competitors?
Regional players on record are MoneyTap, ZestMoney and CASHe. Direct peers are LenDenClub, Faircent and i2iFunding. Broad incumbents are LendingClub and Prosper Marketplace. Upstart is listed as an emerging player. Razorpay is listed as an others.
Does LiquiLoans have an API?
No public API is recorded for LiquiLoans.
What industry is LiquiLoans in?
LiquiLoans's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAB, P2P Debt Consolidation & Refinancing. Its NAICS code is 52231 and its SIC code is 6163.