12% Club: Invest or Borrow@12%

11.9K reviews
Content rating
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About this app

12% Club, powered by BharatPe and in partnership with RBI approved NBFCs offers you a solution for all your investment and borrowing needs
Invest @12%
- Invest money anytime and start earning interest daily
- Start investing from as low as Rs. 1,000
- Get upto 12% interest per annum (Interest accrued daily)
- Request withdrawal anytime, no withdrawal charges
- In partnership with RBI approved NBFCs

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

How to become a 12% Club Member?
- Download the 12% Club App
- Signup using your Mobile number and OTP
- Create your account by linking your Bank account, PAN and completing KYC
- Accept T&Cs
- 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 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
Penalty is charged when someone delays their scheduled payment. In addition, GST will be applicable as per Indian laws.

Repayment Terms:
Fixed 3 month duration.

Loan Amount: Rs. 100,000
Tenure: 3 months
Interest Rate (APR): 12% per year (Flat rate). This translates to 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)
Loan option on 12% Club is offered in partnership with RBI approved NBFC (Mufin Finance: Hindon Mercantile Limited)

1. Indian citizen
2. Age above 21 years
3. Select cities
Operational Cities - 117
Andhra Pradesh: Rangareddy, Kurnool, Guntur, Vishakhapatnam, Vijaywada
Assam: Guwahati, Kamrup
Bihar: Patna
Chattisgarh: Raipur, Durg
Gujarat: Ahmedabad, Rajkot, Gandhinagar, Vadodara
Harayana: Faridabad, Gurgaon, Rohtak, Sonepat, Karnal, Panipat, Ambala
Karnataka: Bengaluru, Mysore, Tumkur, Mangalore, Bellary, Belgaum, Kolar, Hassan, Mandya, Dharwar
Kerala: Kozhikode, Thrissur, Trivandrum, Ernakulam, Kollam
Madhya Pradesh: Indore, Ujjain, Bhopal, Jabalpur, Gwalior
Maharashtra: Mumbai, Thane, Pune, Solapur, Ahmednagar, Satara, Kolhapur, Jalgaon, Aurangabad, Nashik, Nagpur, Amravati
Orissa: Puri, Bhubaneswar, Khorda, Cuttack
Punjab: Amritsar, Jalandhar, Mohali, Ludhiana, Patiala
Rajasthan: Alwar, Jaipur, Ajmer, Pali, Bhilwara, Udaipur, Bharatpur, Kota, Bikaner, Jhunjhunu, Ganganagar, Nagaur, Jodhpur, Jaisalmer, Barmer
Tamil Nadu: Chennai, Madurai, Coimbatore, Vellore, Cuddalore, Tiruvallur, Tiruchirapalli
Telangana: K.V.Rangareddy, Karimnagar, Warangal, Hyderabad, Nalgonda, Mahbubnagar
Uttar Pradesh: Ghaziabad, Noida, Kanpur, Allahabad, Varanasi, Agra, Lucknow, Jhansi, Gorakhpur, Bareily
Uttarakhand: Dehradun
West Bengal: Kolkata, Hoogly, Howrah

We take the following permissions from you to be able to assess your creditworthiness and for risk assessment purposes: Location and Contacts.
You can check the privacy policy for details - https://twelve.club/#/privacy-policy
12% club is registered trademark of Resilient Innovations Pvt. Ltd. (Developer name: BharatPe)

Contact Us:
For any queries, feedbacks and suggestions
Address: A45, Second Floor, Malviya Nagar, New Delhi 110017
Email: support@twelve.club
Website: twelve.club
Updated on
Jun 9, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
No information available
11.9K reviews
Schweta Subramani
June 30, 2022
Hey, the experience with the app was much better and all the negative reviews i saw were somehow not true. I invested multiple times and withdraw it without any problems. My only concern now is that there is no option for deposit now. They always say they will be back soon. Its been more than 6 months now. Hope the option is available again.
July 1, 2022
Hi, we are glad that you like our app. To assist you further on this, please drop us a mail at 'support@twelve.club' along with the registered mobile number.
Rikin Savaliya
June 29, 2022
Very very bad issue of the loan update every time I took the loan it was not updated on time after repaying on time it affected my credit history badly. They made auto debit of loan repayment amount on time every time but didn't update it and close my loan on time. They don't have any customer care number only mail ID given to contact and they gave same answer every time I told about the issue that our team is looking for your issue.
6 people found this review helpful
June 29, 2022
Hi Rikin, we apologize for the disappointing experience you had. We request you to please drop us a mail elaborating your issue on support@twelve.club along with your registered mobile number. We will look into it at the earliest and get back to you.
Anjali Tewari
July 2, 2022
I'm actually scared to use this app. It's been a day since I tried repaying the amount in fact my bank account is debited but the transfer failed! Customer support team are extremely slow to respond or initiate my refund although I shared my bank statement to them. I used to love it but I'm scared to use it now
2 people found this review helpful
July 2, 2022
Hi, This is certainly not the kind of experience we'd like you to have. Kindly brief us on the concern along with the registered mobile number over 'support@twelve.club' for proceeding further.

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12% Club - Invest or Borrow @12%