BROAD BUSINESS MODEL

K.M. Global P2P Finance Pvt Ltd. Peer to Peer lending platform serves as the bridge between borrowers seeking loans and the investors (lenders) willing to provide financial assistance. The platform offers borrowers the flexibility to secure loans ranging from ₹ 10,000 to ₹ 10 Lakhs, determined by their individual risk profiles. Investors, in turn, have the option to invest up to 20% of the loan amount to support a borrower.

K.M. Global P2P Finance Pvt Ltd. is instrumental in helping investors and lenders gauge a borrower's risk profile and the likelihood of default, drawing insights from past borrower behaviour. The platform streamlines the agreement process and other operational tasks through its digital interface. In return for providing a platform where investors and lenders can discover eligible borrowers, assess their risk, calculate default probabilities, receive collection support on a best-effort basis, facilitate agreements, and execute escrow transactions, the platform levies fees on investors and lenders, typically ranging from 0% to 5%, unless otherwise stated in the borrower's profile. Fees are only charged when investors or lenders receive EMIs/repayments from borrowers, and in cases of significant default within a lender's portfolio, the platform may exercise its discretion to partially or completely waive fees.

Aside from catering to investors and lenders, K.M. Global P2P Finance Pvt Ltd. extends its services to borrowers who can apply for loans through the platform. The platform conducts a comprehensive credit and risk assessment of the borrowers, analyzing data from various sources such as credit bureau information,digital transactions, bank statements, and digital footprints. Once a borrower meets the platform's risk and eligibility criteria, they are connected with investors and lenders on the platform. K.M. Global P2P Finance Pvt Ltd. provides a range of services, including onboarding, risk assessment, credit evaluation, facilitating connections with investors and lenders, disbursing funds,supporting agreements, and managing repayments, among others. Similar to the fees imposed on investors and lenders, borrowers are also subject to fees that typically vary from 0% to 5%, or any other amount communicated during the onboarding process.

All transactions on the platform are conducted through escrow bank accounts maintained by RBL Bank, with the oversight of Axis Trusteeship Services Private Limited. The funds deposited on the platform are held in the escrow account and are exclusively designated for investment in borrowers' loans as specified or selected by the lender. The platform is prohibited from using these funds for any purpose other than their designated use and does not earn commissions from the bank on idle funds in the escrow account. K.M. Global P2P Finance Pvt Ltd. generates its income through fees charged to both investors/lenders and borrowers.