Earn 12% Fixed Returns with Daily Withdrawals in Bank Account

Invest money and get fixed 12% Returns with daily withdrawals directly in your bank account. You can also borrow money instantly.1 min


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12% Club, powered by BharatPe and in partnership with RBI-approved NBFCs, offers you a solution for all your investment and borrowing needs.

Invest Money @12%

  • Invest money anytime and start earning interest daily
  • Start investing from as low as Rs. 1,000
  • Get up to 12% interest per annum (Interest accrued daily)
  • Request withdrawal anytime, no withdrawal charges
  • In partnership with RBI-approved NBFCs

Borrow Money @12%

  • Borrow money anytime with 12% interest
  • Repay anytime; no prepayment charges
  • Zero processing fees
  • Partnered with RBI-approved NBFCs

Is 12 Club trustworthy?

I have been using the 12% club since it launched. There has been no issue; I have never received a return of less than 12%.

Is 12 Club RBI approved?

Yes, “12% Club” has been launched in partnership with RBI-registered P2P NBFCs (non-banking financial companies).

How to become a 12% Club Member?

  1. Install the 12% Club App
  2. Signup using your Mobile number and OTP
  3. Create your account by linking your Bank account and PAN and completing KYC
  4. Start investing or borrowing @12%

Personal Loan Features

  • Loan amount: From Rs.10,000 to Rs.100,000
  • Tenure: 3 months (fixed)
  • Repayment: 1 single payment at the end of 3 months
  • Instant money transfer to a bank account
  • 100% paperless process
  • Instant eligibility check
  • No collateral, prepayment charges

APR and other charges

  • Interest rates (APR): fixed 12% per annum
  • Processing fees : 0
  • A penalty is charged when someone delays their scheduled payment. In addition, GST will be applicable as per Indian laws.

Repayment Terms:

Fixed three-month duration.

Example:

Loan Amount: Rs. 100,000

Tenure: 3 months

Interest Rate (APR): 12% per year (Flat rate) i.e. 3% in 3 months.

Repayment Amount: Rs. 103,000

Total Interest Payable: Rs. 100,000 x 12%/12*3 (3 months) = Rs. 3,000

Processing Fees (incl. GST): Rs. 0

Disbursed Amount: Rs. 100,000 (Loan Amount) – Rs. 0 (Processing Fees) = Rs. 100,000

Total Amount Payable: Rs. 103,000 (1 single payment at the end of 3 months)

Total Cost of the Loan = Interest Amount + Processing Fees = Rs. 3,000 + Rs. 0 = Rs. 3,000

NBFC partners

Investment option on 12% Club is offered in partnership with RBI-approved NBFC (LendenClub: Innofin Solutions Private Limited and Liquiloans: NDX P2P Private Limited)

A loan option on 12% Club is offered in partnership with RBI-approved NBFC (Muffin Finance: Hindon Mercantile Limited)

Eligibility

  1. Indian citizen
  2. Age above 21 years

So, Why Wait? Start Earning 12% Interest, Install 12% Club Now!


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