Siddharth, from my point of view: p2p is the next big thing.
Just look at the gigantic un-organized market of lending. In last 50 years has any market shaken RBI??? Just 4 years of inception and RBI is gearing for regulating it.
Need of the hour: RBI must set guidelines for banks/private agencies to share CIBIL score with P2P platforms (caveat: no negative rating on CIBIL score on checking of data), and see the flight of P2P.
** P.S: I am not going into data & facts, just research them, and you will be convinced which is the Next-Big-Thing **