[baron19]

How does the process work for an investor?

I just specify my risk appetite and you choose the borrower for me? or do you give me a list of options and I can choose who to lend to? Ideally I would prefer the first option.

Can I also limit my investments to a particular kind of borrowers, say who wants it for Educational purposes, is that possible?

[pratishgandhi]

Thanks for the comment! Yes, we understand your risk appetite, and we expose borrowers whose risk profile matches yours. We can also filter or limit as per your preferred purpose.

[baron19]

That's nice, even better if you can give investors some guarantees on default risk.

Another question. I was looking at the investor dashboard and it shows a 'salary to EMI ratio', does that mean people who aren't employed with a regular salary are out? Like small business owners and such.

In my personal experience, I find that they are usually more interested in short-term borrowing since their cash inflows and outflows don't always balance, leading them to having to borrow quickly and for a short term.

[pratishgandhi]

You're absolutely right about the businesses. We are not giving loans to them at the moment, however we plan to expand to that segment soon.