All investments in loans made on IndiaP2P are secured by a loan agreement ensuring that the borrower’s obligation to repay stands.. IndiaP2P will also assist you in initiating this legal process if needed per applicable RBI rules and guidelines. In addition, all of the borrower’s repayment information is reported to all credit bureaus ensuring that defaulting borrower’s credit profile is suitably affected and is visible to all other lending institutions. It may be noted that IndiaP2P does not guarantee returns on the investment in loans made on its platform. Additionally, current RBI regulations only permit unsecured i.e. collateral free loans on the platform.