Views on Cred Mint

Invested 1L and then withdrew 90K. Their minimum investment size can be gamed.

Have  invested close to 1L. It is money you need to be okay losing because default risk is higher.

I was PM for the most famous p2p app in the country, cred mint is safe for now but will turn problematic in a couple years of time once NPAs will pile up and NPAs will pile up. P2p is a high risk product, if you really have disposable income you can put it their else put it in an index fund and you’ll make 9% post taxes with limited downside.

If you have more than 50L saved up you can choose to go to these random platforms. Till 50L follow a disciplined approach such as index investing + FDs.