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Get higher returns for short-term investments

A peer-to-peer lending investment opportunity where you earn returns of up to 9.5% p.a. by lending to creditworthy people.

More Returns than FDs. Lesser risk than equities

Say goodbye to settling for lower returns when you wish to minimize risk. Earn FD-beating returns without equity risks for investments as short as 1 day to 3 years.

Lower risk with Smart Diversification

Your investments are lent as small loans to 100-400 verified and creditworthy borrowers to minimize risk.

100% of investors

Till date, 100% of investors have made money without any loss

Flexibility that matches your needs

Monthly interest payout or compound till maturity

Withdraw anytime or lock in for preferred tenure

Registered with RBI

trusted by 69,000+ customers

Earn is partnered with LiquiLoans which is an
 RBI registered peer to peer NBFC.

RBI registered peer to peer

Till date, ₹2500+ crores have been invested through LiquiLoans.


Frequently asked questions

If you find any trouble figuring out anything, choose the topics you are interested in, and let us help you get started.

What is Earn?

Earn is a P2P investment product offered by ET Money, powered by LiquiLoans (an RBI Regulated P2P NBFC). It allows users to earn up to 9.5% p.a. returns on their investments by lending money to creditworthy borrowers sourced by LiquiLoans.

How does Earn give higher returns?

The money invested by you is lent to qualified, creditworthy borrowers. LiquiLoans, an RBI registered P2P NBFC, facilitates the matching of your money to qualified borrowers. The repayment of the loans taken by such borrowers is what provides you XIRR of up to 9.5% p.a.

Is Earn safe?

As with any investment that gives your higher returns, there is some risk involved. The risk in Earn arises when someone who has borrowed your money is not able to pay back. However, RBI has set guidelines for P2P NBFCs like LiquiLoans to minimize this risk. Therefore, Liquiloans diversifies your money amongst a large set of 100-400+ borrowers. It also checks crediworthiness of every borrower thoroughly and has strong risk management processes. As a result LiquiLoans has been able to disburse ₹2,500Cr+ of loans and has provided the mentioned indicative yield to 100% of the investors since inception

What is LiquiLoans?

LiquiLoans is an RBI Regulated Peer-to-Peer (P2P) Non-Bank Finance Company (NBFC) providing a lending platform that connects creditworthy borrowers and lenders. LiquiLoans has been able to disburse ₹ 2,500Cr+ with 69,000+ investors. It has one of the lowest default rates and hence has been able to provide the mentioned indicative yield to 100% of the investors.

Are returns assured in Earn?

The returns in Earn are not guaranteed. However, the risk is reduced by diversifying your money amongst 100-400+ borrowers with an average credit score of 700+ and more check by LiquiLoans (an RBI licensed P2P NBFC) because of which 100% of people who have invested have got their indicative yields since inception

What are the fees charged by ET Money to invest in Earn?

Earn is a completely free product from ET Money, and there is no charge levied by ET Money for you

Is there a limit to how much I can invest in Earn?

As of now, you can invest a maximum of ₹ 9 Lakhs in Earn.

*Terms and conditions applied