Fund Vibe – Loan Utilization & Return Generation Plan (12-18% p.a.)
Fund Vibe is a Peer-to-Peer (P2P) lending platform that connects investors with verified borrowers, providing higher returns than traditional investments while ensuring risk mitigation.
Key Highlights:
Earn 12-18% p.a. with a diversified lending strategy.
AI-driven borrower screening ensures high credit quality.
Flexible investment options with monthly payouts or reinvestment.
Zero lock-in period, giving full liquidity control to investors.
Reserve Fund & insurance protection for risk mitigation.
How Investor Funds Are Used
Investor Fund Pooling & Allocation
Investors deposit money into Fund Vibe’s lending pool.
They can manually select borrowers or use auto-invest mode for portfolio diversification.
Funds are distributed across multiple borrowers to minimize risk exposure.
Borrower Verification & Loan Disbursement
Borrowers go through multi-layered screening:
- ✅ CIBIL & Experian Score Check
- ✅ Income & Employment Verification
- ✅ Debt-to-Income Ratio Analysis
- ✅ Business Performance Review (for MSME loans)
- ✅ AI-based Alternative Credit Score Analysis
Loans are approved based on creditworthiness and assigned interest rates accordingly.
Loan Categories & Interest Structure
| Loan Type | Borrower Type | Interest Rate (Charged to Borrower) | Investor Returns (Net of Fees) | Loan Tenure |
|---|
| Low-Risk Loans | Salaried professionals, secured business loans | 12-14% p.a. | 10-12% p.a. | 12-36 months |
| Medium-Risk Loans | Self-employed professionals, MSMEs | 14-18% p.a. | 12-15% p.a. | 12-48 months |
| High-Risk Loans | Unsecured personal/business loans | 18-24% p.a. | 15-18% p.a. | 6-24 months |
Loan Repayment & Earnings Distribution
- Borrowers repay loans in monthly EMIs, which include principal + interest.
- Investors receive monthly earnings from these repayments.
- Investors can withdraw profits or opt for auto-reinvestment to earn compounded returns.
How Fund Vibe Ensures 12-18% Returns for Investors
Interest-Based Earnings
- Borrowers are charged 12-24% p.a. interest, depending on risk level.
- Fund Vibe takes a 1-3% platform fee, ensuring net investor returns of 12-18% p.a.
Example Earnings Calculation:
🔹 Investment: ₹1,00,000
🔹 Borrower Interest Rate: 18% p.a.
🔹 Platform Fee: 2%
🔹 Net Return to Investor: 16% p.a. (₹16,000 per year)
Higher investments yield greater monthly passive income!
Risk Management & Security Measures
AI-Powered Credit Screening
- AI & Machine Learning models analyze borrower risk in real-time.
- Credit bureau integration ensures accurate data-backed risk evaluation.
🔹 Reserve Fund & Loan Insurance
- A portion of borrower fees goes to a Reserve Fund, which covers defaults.
- Optional loan insurance provides extra security to investors.
🔹 Automated Diversification Strategy
- Investors’ funds are spread across multiple loans to minimize risk exposure.
- Higher-risk loans balance out lower-yield ones for stable returns.
🔹 Legal & Collection Mechanism
- Borrowers sign NACH mandates, post-dated cheques, & legal agreements for security.
- In case of default, our collection team takes legal action & initiates recovery.
Loan Repayment & Flexible Investor Earnings
Withdrawal & Payout Options
- ✅ Monthly withdrawals – Get regular interest payments.
- ✅ Quarterly payouts – Accumulate returns for higher lump sums.
- ✅ Auto-Reinvestment – Compounds your earnings for exponential growth.
Loan Repayment Models
| Repayment Type | Details | Investor Benefit |
|---|---|---|
| EMI-Based Repayment | Monthly payments of Principal + Interest | Regular income flow |
| Bullet Repayment | Interest paid monthly, principal at maturity | Maximized long-term returns |
| Flexible Payouts | Investors can choose payout frequency | Customized investment plan |
Fees & Charges (Transparent Model)
| Fee Type | Charge Details |
|---|---|
| Platform Fee | 1-3% of borrower interest |
| Late Payment Fee (Borrower) | 2-5% of overdue amount |
| Loan Insurance (Optional) | 0.5-1% of loan amount |
🔵 No hidden fees, no withdrawal charges!
Fund Vibe vs Other Investment Options
| Feature | Fund Vibe (P2P Lending) | Fixed Deposits (FDs) | Stock Market | Mutual Funds |
|---|---|---|---|---|
| Returns | 12-18% p.a. | 5-7% p.a. | Varies (High Risk) | 10-14% p.a. |
| Risk Level | Medium | Low | High | Medium |
| Liquidity | Flexible withdrawals | Low | Medium | Medium |
| Control | Full (Choose borrowers, risk levels) | None | No direct control | No direct control |
Why Choose Fund Vibe?
✅ High Returns – Earn 12-18% p.a., far exceeding FDs & savings accounts.
✅ Passive Income – Monthly payouts ensure a steady cash flow.
✅ AI-Driven Risk Management – Secure, transparent & data-backed lending.
✅ Low Entry Barrier – Start investing from just ₹5,000.
✅ Auto-Invest Feature – Set it & forget it for seamless wealth growth.
Getting Started with Fund Vibe
Simple 5-Step Investment Guide
🔹 Step 1: Sign Up & Complete KYC (PAN & Aadhaar verification).
🔹 Step 2: Deposit Funds & Choose Manual or Auto-Lending Mode.
🔹 Step 3: Diversify Portfolio – Smart allocation across multiple borrowers.
🔹 Step 4: Start Earning Monthly Interest as borrowers repay.
🔹 Step 5: Withdraw Earnings or Reinvest for higher compounded growth.
Conclusion – Your Future of Wealth Creation
Fund Vibe is India’s most advanced P2P lending platform, offering high-yield, secure investments for individuals looking to maximize their financial growth. Start earning passive income today and take control of your financial future!
📢 Join Fund Vibe today & start earning 12-18% returns effortlessly! 🚀