When it comes to investment, asset allocation plays a major role wherein your investments are allocated to various asset classes depending upon your investment horizon and risk appetite. Peer to Peer (P2P) lending is based on an online structure wherein it connects the lenders and borrowers without any intervention from banks. RBI (Reserve Bank of India) on September 2017 had issued a notification wherein it passed a mandate for all the P2P lending platforms to get registered as NBFCs (Non-Banking Financial Companies) and gave them a set of guidelines. The Indian P2P lending market is expected to be about 5 billion dollars by 2023.

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https://www.dsij.in/DSIJArticleDetail/ArtMID/10163/ArticleID/9718/P2P-Lending-as-an-asset-class-Should-you-cherish-it