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At Vested, our mission is to empower you to become a successful investor. Before embarking on the described investment strategy, you should carefully consider the risks of the strategy based on your own investment objectives and financial situation.
As such, the information provided here aims to bring you transparency on the end borrowers of your investments and describes factors that could affect the risk profile of your investment.
Last updated 3rd Oct, 2023 (Updated quarterly)
Our P2P Lending Partners
Vested Edge diversifies your risk across multiple P2P lending platforms by splitting your investments equally across our partners. Our partners have a demonstrated track record of managing investments in P2P lending.
| Our partners |  |  |
| Operational Since | 2015 | 2013 |
| Active investors | 2.3 lakhs + | 2.5 lakhs + |
| Total loans disbursed | Rs. 4,535 crore | Rs. 3,659 crore |
| Assets under management (AUM) | Rs. 1,200 crore | Rs. 1,043 crore |
Borrower profiles
Your investments are further distributed across various loan categories and sectors to reduce risk exposure.Borrower Category
Borrower category data for Sep 2023
- Self-employed borrowers are primarily small businesses that have demonstrated steady cash flows that reduce the risk of default.
- Salaried borrowers are creditworthy customers who borrow for delayed bill payments, zero-cost EMIs, or small personal loans. Zero-cost EMIs are generally opted for by customers who have set up mandates with their bank to ensure monthly payments are made on time.
Borrower category data for Sep 2023
- Self-employed borrowers are primarily small businesses that have demonstrated steady cash flows that reduce the risk of default.
- Salaried borrowers are creditworthy customers who borrow for delayed bill payments, zero-cost EMIs, or small personal loans. Zero-cost EMIs are generally opted for by customers who have set up mandates with their bank to ensure monthly payments are made on time.
Margin of Safety
The Margin of Safety metric serves as an indicator of the risk to your investment. To understand the metric, we need to define the following terms:- Non-performing assets (NPA) – P2P loans that default from the borrowers (i.e., payments for these loans have not been made for more than 90 days after the loan tenure) are considered as NPAs. The NPA metric here indicates the amount defaulted for the month (as a percentage of total investments for the month).
- Total returns – The total returns are the returns the partner has earned each month from loans that have been lent out to borrowers.
- Average Investor Returns – The investor returns are the average returns that have been delivered to investors on each platform.
Margin of Safety = Total Returns – Current NPA – Average Investor Returns
The above equation implies that you will earn the expected returns from your investments if NPAs don’t additionally increase by the Margin of Safety. Your principal amount is safe if NPAs don’t increase further by the Average Investor Returns.
Margin of Safety data for Sep 2023
Our partners will always ensure your claim to the interest earned on your investments is honored before their claim to any revenue on the same investment.