Get higher returns for short-term investments

Earn is a P2P investment product offered by ET Money, powered by LiquiLoans (an RBI Regulated P2P NBFC). It allows users to earn up to 9.5% p.a. returns on their investments by lending money to creditworthy borrowers sourced by LiquiLoans.

The money invested by you is lent to qualified, creditworthy borrowers. LiquiLoans, an RBI registered P2P NBFC, facilitates the matching of your money to qualified borrowers. The repayment of the loans taken by such borrowers is what provides you XIRR of up to 9.5% p.a.

As with any investment that gives your higher returns, there is some risk involved. The risk in Earn arises when someone who has borrowed your money is not able to pay back. However, RBI has set guidelines for P2P NBFCs like LiquiLoans to minimize this risk. Therefore, Liquiloans diversifies your money amongst a large set of 100-400+ borrowers. It also checks crediworthiness of every borrower thoroughly and has strong risk management processes. As a result LiquiLoans has been able to disburse ₹2,500Cr+ of loans and has provided the mentioned indicative yield to 100% of the investors since inception

LiquiLoans is an RBI Regulated Peer-to-Peer (P2P) Non-Bank Finance Company (NBFC) providing a lending platform that connects creditworthy borrowers and lenders. LiquiLoans has been able to disburse ₹ 2,500Cr+ with 69,000+ investors. It has one of the lowest default rates and hence has been able to provide the mentioned indicative yield to 100% of the investors.

The returns in Earn are not guaranteed. However, the risk is reduced by diversifying your money amongst 100-400+ borrowers with an average credit score of 700+ and more check by LiquiLoans (an RBI licensed P2P NBFC) because of which 100% of people who have invested have got their indicative yields since inception

Earn is a completely free product from ET Money, and there is no charge levied by ET Money for you

As of now, you can invest a maximum of ₹ 9 Lakhs in Earn.