Hey ind money launched save plus

You making a mistake. There is nothing safe. Safest is GoI debts(aroudn 7% as of now) in nominal terms. If rate is higher by 2% which is 9% and company goes belly up once in 50 years, you will be breakeven. If you think compamy will not default not even once in 50 years go for it else no. PS. Above is back of the envelope calculation. Exact calculation and risk measurement differs

Without any details of your life stage, risk cover, net-worth, risk appetite, income, etc. Do this when you have at least 2 cr in liquid investments. Alternate Investments are pointless and not needed before that, imo they aren't needed even after that.

Dei, get ICICI direct - search NCDs. You get much better rated securities for like 8-10% YTM. P2P lending is one of the highest risk instruments there is and you should expect at least 10-15% ROI.

For 9% on a risk to reward ratio i would choose an fd with a small finance bank. Last i checked unity and a few others were offering it. You'd be insured up to 5L too.

TLDR advice, don't invest in P2P lending, it's basically just village zameendar ka byaj business in app form.