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About Us

ANTWORKSMONEY.COM has been setup by ANTWORKS CAPITAL, registered under Indian Companies Act (LLPIN AAB0157). Our principal offices are in Gurgaon and Faridabad. We have plans to open offices across India in near future.


Contact Info

How it Works

Antworks P2P Financing Private Limited is a NBFC – P2P within the meaning of Clause (vi) of Sub-Direction 1 of Direction 4 of the Master Directions – Non-Banking Financial Company – Peer to Peer Lending Platform (Reserve Bank) Directions, 2017 issued by the Reserve Bank of India Antworks P2P Financing Private Limited owns and operates an online market place/platformandacts as an intermediaryfor the participants involved in Peer to Peer (P2P in short) lending. We facilitate loans to consumers and businesses and offer Lenders an opportunity to finance the loans. Our goal is to democratize the banking and consumer finance industry to make it more transparent, easily accessible, consumer focused and cost efficient. We intend to provide a credible alternative to traditional way of financing in India with an online marketplace that uses technology and a more efficient funding process to lower operational costs and deliver a better experience to both borrowers and lenders. Simply click on the SIGN UP, and register for Antworks P2P Financing loan services.


We conduct our business as per the Master Directions – Non-Banking Financial Company – Peer to Peer Lending Platform (Reserve Bank) Directions, 2017 issued by the Reserve Bank of India, and

  • (i) Do not raise deposits as defined by or under Section 45I(bb) of the Act or the Companies Act, 2013;
  • (ii) Do not lend on our own;
  • (iii) Do not provide or arrange any credit enhancement or credit guarantee;
  • (iv) Do not facilitate or permit any secured lending linked to the platform and permit only clean loans;
  • (v) Do not hold, on our balance sheet, funds received from lenders for lending, or funds received from borrowers for servicing loans; or such funds as stipulated by the Master Directions;
  • (vi) Do not cross sell any product except for loan specific insurance products;
  • (vii) Do not permit international flow of funds;
  • (viii) Always endeavour to ensure adherence to legal requirements applicable to the participants as prescribed under relevant laws;
  • (ix) store and process all data relating to the activities and participants on hardware located within India.

Banks in India generally lend as per their defined norms which are aimed at Borrowers having a credit history, high credit bureaus score of more than 600, low debt levels and clean payment track record. In addition, Banks as per their internal policy, restrict lending to certain clusters (on the basis of industry, region, profile or social background). This leaves a large section of people who are in need of credit however they are not in a position to get it leaving them exposed to borrowing from unorganized lenders which charge them exorbitantly high interest rates. Antworks P2P Financing’s P2P loan services facilitate interaction between Borrowers and Lenders to decide a mutually agreeable rate for their Loans. Thus, we are enabling Borrowers to get their requirements funded at competitive rates and at the same time helping Lenders get the best possible return on their investment.

Currently, the Antworks P2P Financing’s P2P loan services are available only to Indian residents having age of more than 18 years. Your name does not appear in the list of defaulters published by RBI and does not have any criminal background.

  1. Do you have a Credit Score of less than 600?
  2. You don’t have a Credit history?
  3. You have not been in a Regular Job?
  4. You would like to borrow in excess of limits allowed by Banks?
  5. You want to access alternate financing channels?
  6. If you fall in any of above category, Antworks P2P Financing’s P2P loan services can help you in connecting with the Lenders who are more than willing to lend to you. We then moderate the discussion between Borrowers and Lenders and facilitate the entire loan process.

    Borrowers on Antworks P2P Financing are people who are creditworthy but either does not fit into the lending criteria of Banks or those who do not want to pay high interest to traditional money lenders; people who are smart enough to take charge of their borrowing, just as Lenders are people who want to take control of how they want to invest their idle funds.

    We, at Antworks P2P Financing’s P2P Loan Services, seek to facilitate convenient Borrowing avenues for everyone.

    Antworks would introduce new product for different segment of Borrowers according to the requirements of each segment. The eligibility criteria, assessment mechanism and product parameters would vary from product to product.

    For registering as a Borrower, an Individual has to fulfil following criteria:

    1. Be a resident of India.
    2. Minimum 18 years of Age
    3. Have a valid bank account in India.
    4. Have a PAN card.
    5. Not having any criminal background
    6. Provide all the documents mentioned in the checklist at time of completion of transaction.

    The requirements can be altered from time to time by adding, deducting or modifying parameters.

    A Borrower on Antworks P2P Financing can Borrow money only on unsecured basis.

    Simply click on the SIGN UP, and register through the simple step by step process as instructed

Unorganized lending is prevalent in India for centuries. This is done by local moneylenders, traders and HNIs. Antworks P2P Financing’s P2P loan services bring all these unorganized players on the marketplace and enables them to lend to credit worthy borrowers in a transparent and fair manner. Also, Antworks P2P Financing’s loan services is appropriate for persons with surplus funds, wanting to deploy on fixed return investment products, intends to diversify investment options and having ability to assess borrower profile. The Antworks P2P market place provides better rates of interest than the traditional model because it removes the intermediaries and connects the lenders directly to the borrowers. Traditionally, banks collect money (through savings accounts or deposits like fixed or recurring) at low interest rates (say 6-9%) and lend it to borrowers at much higher rates. This margin goes into recovering high overheads and cost of salaries. Through the process of disintermediation, we enable lenders to lend at a higher rate of interest, while keeping the borrowing costs competitive.

Antworks P2P Financing charges feesas described in the Schedule of Fees and Chargesfor loan transacted on the Platform from Lenders, which is collected at time of transaction is done. We, at Antworks P2P Financing’s P2P Loan Services, seek to facilitate convenient lending opportunities for everyone. For registering as a lender, an Individual has to fulfil following criteria:

  1. Be a resident of India
  2. At least 18 years of age
  3. Have a valid bank account in India.
  4. Have a PAN card.
  5. Have a record of investing in fixed deposits, stock market or any other investment product.

Antworks P2P Financing’s P2P loan Services have re-engineered the process of loan origination without seeking to do away with any of the steps involved in traditional way of loan origination.

On Antworks P2P Financing, visitors, as per their requirement, can register as lenders or borrowers. The registration process is completely free However lenders and Borrowers are required to pay a certain fees at time of completing their loan information and activating their profile for bidding purposes. Once a loan requirement is listed by the Borrower, the same is straightaway put into the bidding wherein registered Lenders can view the requirement, raise queries and if satisfied with the loan proposal, indicate their willingness to lend by bidding for the full loan amount or a part of the loan amount at interest rate within range indicated by the Borrower. The entire discussion between Borrower and Lender is moderated by Antworks P2P Financing’s P2P loan services team however we don’t have any role in setting of interest rates beyond providing recommended interest rate to lender on basis of Rating of the Borrower:

We provide following services to verify the Information provided by Borrowers:

Antworks P2P Financing verification process

We verify Borrower’s Personal and Occupational Information like Aadhaar card , PAN card , Income figures with Income tax and TDS returns, address verification and employment status. The process of verification is done by our approved service providers and we carry out reasonable diligence that the service providers are having a credible background. In the event information provided by Borrower for availing the loan facility is wrong and Platform determines that information has been provided wrongly with the purpose of availing loan facility, the Platform may cancel the Borrower Registration and blacklist him from participation on the Platform.

Antworks P2P Financing Loan Rating Services

We provide a Rating or Score of 1-10 to Individual Borrowers only, wherein 1 indicates lowest level of Risk and 10 means highest level of Risk. The Rating is awarded basis evaluation of creditworthiness of Borrower on more than 20 different parameters. The rating is intended to be as an additional decision making criteria for lenders. Accordingly, it shall be the duty of the recipient of this service to take adequate precaution before entering into any transaction as Antworks P2P Financing Private Limited does not guarantee the repayment of the loan disbursed under any circumstances.

Antworks P2P Financing Loan Tie-up Process

Once an agreement is reached between the borrower and the lender, a formal contract is signed by them. The lender then transfers the amount to the borrower’s account and the borrower makes periodic repayments via EMI (predetermined monthly instalments) over the stipulated time period. The disbursement and repayments are carried out through designated Escrow account administered by a Trustee (in compliance with the requirements of RBI guidelines in this regard). Antworks P2P Financing chargesloan tie-up fees and processing charges as provided in the Schedule of Fees and Charges from Borrowers, which can be deducted from disbursement OR can be paid by the borrower through RTGS/UPI/IMPS/NACH/NEFT/Net banking/Wallet or any other means.

Repayment can be done through any legal instrument allowed by regulators such as NEFT/RTGS/UPI/NACH/Net Banking/IMPS/ECSmandate etc. or any such electronic form and tracked by Antworks P2P Financing’s P2P loan services.

Once a loan is disbursed, we help lenders with the collection and recovery of loans, the charges and fees for which are paid by Lender. Delay in repayment by borrowers draw a penalty which is advised to the Borrower by Antworks P2P Financing’s P2P loan services as part of the process.

Antworks P2P Financing provides a democratic, technology-driven platform for the whole process to happen smoothly and quickly.

The fees, charges, expenses and other costs for the services of Antworks P2P Financing is provided in the Schedule of Fees and Charges. It is revised from time to time and the participants in the Antworks P2P Financing platform are advised to visit the website and review the same at regular interval.

So go on and SIGN UP now to try out Antworks P2P Financing P2P loan services

We do not guarantee fixed or minimum rate of returns to any lender and decisions to lend on Antworks P2P Financing’s P2P market place are entirely at the discretion of potential lenders. We don’t guarantee the principal amount and/or the interest amount protection to lenders. We merely facilitate the hand shaking between the borrowers and the lenders by providing relevant information about the borrowers and lenders to each other.

We request all borrowers and lenders to read the policy and guidelines on the website and contact us for any clarifications. For further details, please read Antworks P2P Financing Terms and Conditions


We are adopting following fund transfer mechanism in which IDBI Trusteeship Services Limitedis appointed as Trustee and IDBI Bank will be maintaining Escrow accounts

  • Upon the matching of the requirement of the Borrower with the Lender in the platform (, the Lender shall transfer respective amount of the Loan to the Designated Loan Disbursement Escrow Accountby way of Net Banking/NEFT/RTGS/IMPS/UPI/NACH or such other mode.
  • Thereupon, AntworksP2P Financing would inform the Trustee to instruct the Escrow Bank for transfer of the Principal Loan Amount to the Borrower from the Designated Loan Disbursement Escrow Account preferably by the immediately succeeding working day after the Lender has- transferred his loan amount in the Designated Loan Disbursement Escrow Account and all other formalities for availing the loan by the Borrower are complete.
  • The Borrower shall pay the interest along with the principal by way of predetermined monthly instalment (EMI) to the Lender as per an Amortization Schedule. The Borrower shall pay the Applicable EMI by way of ECS/NetBanking/NEFT/ RTGS/IMPS/UPI/NACH or any other similar electronic funds transfer mechanism favouring the Designated Loan Repayment Escrow Account.
  • Antworks P2P Financing would inform the Trustee for instructing the Escrow Bank to transfer via Escrow of EMI amount deposited by the Borrower in Designated Loan Repayment Escrow Account to the Lender preferably by the immediately succeeding working day. Alternatively, if agreed by Lender in writing, the said funds received through EMIs can be redeposited in the Designated Loan Disbursement Escrow Account for further lending by the Lender.

Borrowers are also required to issue Post Dated Cheques (PDCs) directly in the name of lenders, which can be deposited by Lenders in the event of delay or default in payment of instalment by the Borrower.

  1. You will read the Antworks P2P Financing's Terms and Conditions fully and understand and accept it completely before registering.
  2. You will honour your commitments and not renege on your loan offers after listing it on our site.
  3. You will adhere to all laws relating to income tax and pay your taxes on the income so generated. Antworks does not assume any liability for your income tax payment neither is it responsible for any income-tax guidance or consultation.
  4. You will not trouble borrowers during the course of or after the completion of the deal with request for additional information etc. You also agree that all your communication would be moderated by Antworks P2P Financing team.
  5. You are responsible for all and any decision that you have taken to lend through Antworks P2P Financing and Antworks P2P Financing is only playing role of a facilitator by creating a platform for lending and borrowing. You shall at all times keep Antworks P2P Financing indemnified for your acts which may cause any financial loss to Antworks P2P Financing or anyone else.
  6. You will deal with recoveries through approved legal advisors in case of default and follow the mechanism laid out as per the law of the land and shall not resort to any unlawful means of recovery. In case it is complained by any borrower that the Lender has resorted to unlawful means for recovery of his/its loan, Antworks shall have the right to debar the Lender from further accessing this website.

Once the loan agreement is closed and amount disbursed, an administrative fee on an annual basis is charged from the lender as provided in the Schedule of Fees and Charges, which can be deducted from EMIOR can be paid by the lender through RTGS/UPI/IMPS/NACH/NEFT/Net banking/Wallet or any other means.


The Borrower is required to obtain Insurance (including personal life, permanent disability, loss of livelihood/ employment etc.) for the loan with the Lender (or the Trustee) as the Los Payee. The insurance requirement would be communicated by Antworks to the Borrower. The Borrower is required to pay the premium for the insurance.

A borrower can choose to pre-pay the entire loan amount without any penalty after six months from the due date of 1st EMI. Prior to six months, pre-closure can be done after paying prepayment penalty @5% to the Lender in addition to interest due till the date of payment to lender. The Borrower shall pay a usage service charge of Rs. 500/- for foreclosure to Antworks.

We encourage all Borrowers to make timely payments to avoid penalty charges. In case the due EMI is not paid, a penal interest (by whatever name called) over and above the regular rate of interest of the loan is applied. The penal interest is charged on the overdue amount in case the delay is in payment of one EMI. In case more than one EMI is overdue, the Penal Interest would be calculated on the total outstanding loan amount.

In case, a Borrower fails to repay to the Lender any two consecutive instalments (EMI) of the loan amount on the due dates i.e. designated dates on which they are due for payment, Lender will be at liberty to initiate legal proceedings against the Borrower which would include inter alia the following:

  1. Action u/s 138 of Negotiable Instrument Act for dishonor of cheque
  2. Action under Bankruptcy Code for non-payment of creditors
  3. Appropriate action for enforcing the payment assurance provided for the loan, if any.

The cost of any legal action incurred by Lender shall be reimbursable by Borrower.

The Lender can also approach Antworks P2P Financing for initiating legal action on the Borrower on behalf of Lender. We have on our panel a list of legal advisors for initiating legal action against the defaulting Borrowers whose services can be hired upon payment of designated fees and charges as given in the Schedule of Fees and Charges.

The interest rate on the loan is calculated based on the agreed rate of interest between Lender(s) and the Borrower. The EMI for each loan would be different basis the interest rate agreed between Lender and Borrower.

Multiple lenders can bid to provide loan to the borrower within interest range indicated by the Borrower. Since the Borrower is looking for minimum rate of interest, he would obviously prefer the lowest bidder and the lender has more chances to win the bid if he bids close to the lowest range indicated by the Borrower. We keep this fully transparent so that Borrowers and Lenders can take decision basis as much information available.

Following is stage wise process for deciding rate of interest:

Step1: Borrower completes the Personal and Occupational Information and fills up the Loan Request form. A Peer Loan Request No (PLRN) is generated on filing up of Loan Request form. A Borrower can only request for one loan at the same time and a separate PLRN is generated each time. The proposal is immediately visible to thousands of lenders on our site on the Loan listing page.

Step 2: After proposal is listed on the site, Borrower has the option to take it to bidding any time of his choice by clicking Start bidding button available on his profile page (biding section). When the Borrower clicks on the start bidding option, the proposal will start appearing in the Active bid listings. In case a Lender is interested in participating in the Bid, he can do so by clicking bid button on the active bids page.

Step 3 : When a lender bids, the bid is registered provided conditions A and B below are fulfilled

A. He is an active Registered Lender

B. His bid is meeting the criteria relating to amount. His bid is in the range provided by Borrower, lowest being lower range provided by borrower, then going up by 0.25%

C. C. Tenor for loan is decided b Borrower and it can’t be changed by lender

Step 4- Bid is deactivated on happening of any of two events: A. Bid registered for more than adequate of loan amount and B. Expiry of 336 hours from the time bid starts

Step 4: A lender has option to view both the Loan Listing pages and Active bids Page on the site and search listing on basis of different criterion.

Step 5: A Borrower has right to accept or reject the bid received from the lenders. The bidding rules are subject to changes from time to time. The rules of bidding are always listed on the portal.

Once there is a primary understanding between the Borrower and Lender, the legal documentation process needs to be completed. The legal documentation has been standardized by Antworks P2P Financing and shall have to be complied fully to complete the transaction. Unless the documentation is completed in all respect the lender shall not transfer and the borrower shall not receive the loan.


The Loan Documentation consists of the Following Documents


1. A tripartite Loan Agreement where Antworks P2P Financing will be the confirming party.

2. An IOU/ Demand Promissory Note

3. Undertakings by the borrower

4. Indemnity by the borrower

5. Any other documents as Antworks P2P Financing may deem fit and necessary as per the then prevailing legal requirement and / or to ensure the sanctity of the transaction/s.


In addition the Borrower would provide 6 Cheques (PDCs) for the loanie. 1 PDC for the amount of Loan of the Lender and 5 PDCs for 5 EMIs.


Antworks P2P Financing provides standardized loan agreement for execution by the parties. Lender and Borrower are required to review the terms of the agreement before execution and adhere to the same diligently.


There would be general and specific instructions to complete the documentations.


1. The Entire Set of draft Loan Documentation is available on

2. For every proposed transaction there will be generated a Unique Loan Number (“ULN”) for that transaction which shall be used for future transactions.

3. Simultaneous with the generation of the ULN, the Executable Loan Documentation (“ELD”) containing the ULN specific information (“the ELD”), will be generated at the portal accessible by the Borrower

4. Thereupon the Borrower shall download the ELD and execute it at his end. Our executive visit the Borrower and get all documents collected along with KYC documents.

5. Antworks P2P will give instruction for disbursement on the basis of verification of scanned documents received by its executives.

6. Immediately upon receipt of the ELD, the lender shall complete his part of execution and send the executed ELD physically trough courier to AntworksP2P Financing and pay necessary fee to Antworks P2P Financing.

Documents required at time of listing of loan request:

1 Photographs 2 copies
2 Identity Proof (all of the following)
  • PAN Card
  • Adhaar Card
  • Voter ID
3 Date of Birth Proof (any one of the following)
  • PAN Card
  • Passport
4 Signature Proof (any one of the following)
  • PAN Card
  • Signature verification from Bank
  • Passport
5 Address Proof (any one of the following)
Proof of Current Address (any one of the following of recent date not more than 3 months)
  • Passport
  • Bank Statement
  • Voter ID
  • Electricity Bill
  • Telephone Bill
6 Contact Proof (any one of the following)
  • Mobile Bill (last month)
  • Landline Bill (last month)
  • Any document mentioned above containing contact number
7 Bank Statements Last 24 months in respect of all accounts. This needs to be provided in form of PDF format.
8 Proof of Income Last 3 years Business/Personal ITR
9 Information/ document as required for credit evaluation Documents to support credentials and information/ supporting documents in reply to specific queries including proof of employment, educational qualification, vocational training, net worth/ asset ownership records, information of existing/ past loans viz.
  • Credit Bureau Information & Score
  • Sanction letter of present loans
  • State of loan accounts
10 Post Dated Cheques Issued by Borrower in favour of Lender. Will be deposited by Lender in case of delay or default in payment by Borrower

All EMIs received by Lender from Borrowers will be without any tax deduction. The interest portion of EMIs will be taxable as per the income tax rules that apply to you and Lender will have to pay Applicable taxes on or before timelines provided under the Act. Please review with your tax consultant for treatment of income/ expenses.

Borrower Assistance Fees

Sl. Particulars Fees and Charges
1 Borrower Registration Rs. 500
2 Loan processing charges Rs. 1500/- per Borrower payable either at time of Registration or after Loan is Tied up (before Disbursement of Loan).
3 Loan Tie-up Fees 3.0% of Loan Amount for first Loan of the Borrower
2.5% of Loan Amount for second Loan onwards
4 Usage Service Charge in case of Prepayment/ Foreclosure Rs. 500/- per Loan Prepaid
5 Payment delay charges Rs. 500/- for every instance of failure to pay EMI on due date.


Lender Assistance Fees


Sl. Particulars Fees and Charges
1 Lender Enrolment Rs. 500
2 Loan Administration Charges Loan Administration Charges (calculated for each loan separately) is payable by the Lender on an annual basis as a percentage of the principal loan amount (subject to a minimum of Rs. 1000/- per annum per Lender) according to the following schedule. Loan Administration Charges is payable before disbursement of the Loan and at annual interval (in advance) thereafter. Loan Administration Charge is payable for the full year even if the Loan is fully repaid mid of the year.
Interest Rate of the Loan
12%-16% pa. 16%-20% pa. 20%-24% pa. Above 24% pa.
2.0% pa. 2.5% pa. 3.0% pa. 4.0% pa.
3 Loan Recovery Charges Reimbursement of expenses and other charges as communicated by Antworks P2P Financing and 5.0% of the Recovery Amount