Is it Safe or Not to use 12 Percent Club? | 12% Club App Review 2024 | How To Use 12% Club App | How to Earn 12% Interest Without any Risk

Is it Safe or Not to use 12 Percent Club?: Investing can be beneficial for growth. There are several ways of investing online, which range from stocks to mutual funds to savings accounts. You can invest in a variety of ways that are beneficial for your needs, even if you only have a few amounts to spare!

12% Club App is an investment and loan app that offers a way for investors to get the highest return on their money while keeping it simple.

Investors can choose an investment plan which suits their needs and feel secure in the fact that their money is being managed by experienced and qualified professionals. Also, anyone can take a loan from it.

So, in this article, we will tell you about this application, so that you can also earn a good rate of return on your investments. And also, if you need some money, then you can borrow from this application.

What is 12% Club Application?

The 12% Club is an investment and loan club where you can invest your money to get a return on your investment. You can withdraw your money at any time, but you will receive a 12% ROI (Return on Investment) per year. You may also take out loans when you need them if the applicant agrees to it.

12% club is a program that offers you a higher return on investment capital, an opportunity to take out loans, and the opportunity to expand your business. You can also become a member of the 12% club to get access to exclusive offers, which are only available to their members.

How To Use 12% Club App [Hindi Video]

Is 12% Club App Safe?

The 12% club app is a safe and secure investment platform that offers high returns with guaranteed features. You can invest a minimum of Rs 1000 and a maximum of Rs 10 Lakh and earn a high interest rate that is up to 12%.

They offer a 100% guarantee on the safety of your funds and there are no settlement charges when withdrawing your initial investment.

  1. 12% Club is launched by BhartPe.
  2. 12% Club is Approved by RBI.
  3. 12% Club Partnered with RBI approved P2P NFBC “LenDenClub” and “LiquiLoans”
  4. You can withdraw your amount (invested money and intrest) at any time.
  5. You will get Interest on Daily Basis.

How To Invest Money In 12% Club App?

To invest in 12% Club App, follow the below-given steps.

  • First of all, download the application from Play Store, or you can directly click on the link here and download the App.
  • And then open, the application and swipe the steps.
  • After that, you have to enter your mobile number and verify with the OTP.
  • Then you have to complete your KYC, by clicking on the profile section. In which you have to enter your Full Name, Aadhar Card Photo, and a Selfie.
  • After your KYC will be verified, you can invest in a 12% club application.
  • You will see an add money option in the dashboard of the application, you have to enter the amount you want to invest.
  • Then you can add the amount through your bank account and check the interest daily.
  • You can also Add Money to it afterward if you want to move to invest in it.

How To Lend Money From 12% Club?

With the 12% club, you can borrow money anytime at the rate of 12%. You will not incur any extra charges when repaying the loan.

The repayment term is flexible and you can repay anytime. 12% Club is committed to providing hassle-free loans.

  • To lend money from the 12% Club application, firstly you have to login into the application with your mobile number.
  • Then, at the dashboard you will see, investment option first and below it, there is a loan section where you will see a button “Apply Now”, simply click on it.
  • Remember that you should verify your KYC before.
  • Then it will ask for some details of yours like Mother and Father Name, and your personal details + some proof.
  • And then you can get a loan up to 1,00,000 Rs. and it will also show you the loan tenure.
  • Then according to your choice you can get the loan amount into your bank account any time.

How To Repay Loan In 12% Club?

  • To repay a loan of the 12% club app, you first have to login into the application with your mobile number.
  • Then at the dashboard, you will your current loan running with its tenure and the EMI Due date.
  • You have to click on the payment option, and then you can pay the EMI amount through your linked bank account.

Benefits Of 12% Club Applications

12% Club is a web and mobile application that offers innovative and easy-to-use financial services. It is the only application that has a set interest rate for loans and for investment purposes.

You can also qualify for a business loan for short-term tenure.

Benefits For Investment

  • There are no joining fees
  • Anytime add money into your investment
  • No TDS and Tax
  • Easy withdrawal of Principal Amount as well as of Interest
  • Invest Up to 10 Lakh rs.
  • Daily return added into 12% club wallet
  • No settlement charges

Benefits For Loan

  • No extra charges like taxes and more
  • Pay anytime
  • Easily available loans for short term


12% Club Application is a one-of-its-kind app that can help you invest and diversify your portfolio with just the swipe of a finger. You don’t need to be an expert in stocks and shares, as this app will take care of all the hard work for you. The app multiplies your money at a rate of 12% per annum.

The 12% Club app is the best lending app that helps you borrow money for the short term. It provides you with helpful utilities that ensure that your business will be able to survive even in the case of emergencies.

This is possible because the app has an efficient system of operations and it assures you of manageable terms. You can take the loan for the short term and repay it anytime.

Overall, it’s a great finance app for investing and for taking loans. So, make sure to download this application, as you can also earn money with this app through its referral system. This means, there are several ways of making money through this application without any hard work.

FAQs Related to 12% Club App

How to add money in 12% club account?

You can add money using UPI, Debit Card or Net Banking. There are no charges to adding money to your 12% Club Account.

When is the return earned on investment in 12% Club and how do I get a return up to 12% on my investment?

In 12% club, the return is earned daily on your investment based on deployment with registered borrowers through the P2P NBFC Partner. You can earn up to 12% return on your invested amount. The return is in form of interest paid by the borrowers to whom the money is lent through P2P NBFC Partners.
Eg: if you invest ₹ 10,00,000 with 12% Club. You will earn up to 12% return per year – ₹ 1,20,000 and ₹ 330 per day. Return will be earned from the next day (based on a disbursement to a borrower).

How much money can I lend from 12% club?

12% Club is a new-age digital platform that provides you easy access to Instant Personal Loans of up to Rs.100,000 in a seamless and transparent manner.

Are there any withdrawal charges in 12% club app?

No! There are no withdrawal charges.

Where will money withdrawn from the 12% Club get credited?

Withdrawn money will be credited to your registered bank account.

How is interest calculated on my loan in 12% club app?

Interest is calculated at 12% per annum on your borrowings subject to your creditworthiness. Example – if you borrow ₹ 1,00,000 with 12% Club. Interest cost will be @ 12% interest per year; i.e. 3,000 for 3 months. Interest gets added every day ₹ 33 per day. You can close your loan anytime. There is no prepayment penalty.

When do I repay back my borrowing money in 12% club app?

All loans are for a fixed 3-month duration. At the end of 3 months we pull principal + interest from your registered bank account. You can close your loan anytime. There is no prepayment penalty.

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