For P2P investment you can go for LenDenClub , India's fastest growing RBI approved NBFC-P2P. LenDenClub has been giving consistent returns since it got the nod from RBI. Investing money with peer to peer lending platform is completely online and the process is pretty transparent. P2P investments generate a monthly income (in the form of principal and interest paid together) which can be reinvested to earn compound interest.