Chaliye ek example se samajhte hain:
Aap ₹1,00,000 ko 12 months ke liye 32% p.a. interest rate par lend karte hain.
Is example mein platform ke average ke basis par 3.6% NPA consider kiya gaya hai. Actual NPA borrower ki repayment performance ke basis par vary kar sakta hai.
Breakdown:
• Interest Earned: ₹26,000
• Estimated NPA @ 3.6%: ₹3,600
• Platform Fee: ₹6,000 (12-month tenure ke liye 6%; fee tenure ke according vary kar sakti hai)
Adjustments ke baad:
• Net Earnings: ₹22,400
• Total Received: ₹1,22,400
• Net Return: ~22.4% p.a.
Note: Yeh sirf ek illustrative example hai. Actual returns borrower ke repayment behaviour aur overall portfolio performance ke basis par vary kar sakte hain.
More precise estimate ke liye aap platform ka Repayment Calculator use kar sakte hain.