12% Club: Invest or Borrow@12%

15.5K 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- LenDenClub & Liquiloans

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

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%

NBFC partners:
12% Club is a platform and does not give out returns on investments or loans directly to users. 12% Club has partnered with RBI approved NBFCs - hindon mercantile limited, LendenClub (Innofin Solutions Private Limited) and Liquiloans(NDX P2P Private Limited).You will be shown a sanction letter of the NBFC on the app when you opt for a loan and deposit agreement is shown when you choose to invest money.

Personal Loan Features
Loan amount: From Rs.10,000 to Rs.100,000
Tenure: 3 months
Repayment: 1 single payment at end of 3 months. User can also repay from the 1st day with no prepayment charges
Money transfer to a bank account
Harayana: Faridabad, Gurgaon, Sonepat, Panipat, Ambala
Karnataka: Bengaluru, Mysore, Tumkur, Mangalore,
Kerala: Kozhikode, Thrissur, Trivandrum, Ernakulam, Kollam
Madhya Pradesh: Indore, Ujjain, Bhopal, Jabalpur, Gwalior
Maharashtra: Mumbai, Thane, Pune, Aurangabad, Nashik, Nagpur, Amravati
Orissa: Puri, Bhubaneswar, Khorda, Cuttack
Punjab: Amritsar, Jalandhar, Mohali, Ludhiana, Patiala
Rajasthan: Alwar, Jaipur, Ajmer, Pali, Bikaner, Nagaur, Jodhpur
Tamil Nadu: Chennai, Madurai, Coimbatore, Vellore, Cuddalore, Tiruchirapalli
Telangana: K.V.Rangareddy, Karimnagar, Warangal, Hyderabad
Uttar Pradesh: Ghaziabad, Noida, Agra, Lucknow, Jhansi, Gorakhpur, Bareily
Uttarakhand: Dehradun
West Bengal: Kolkata, Howrah

We take the following permissions from you to be able to assess your creditworthiness and for risk assessment purposes: Location, Contacts and Apps Installed.
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: BharatPe, Building No. 8 Tower C, 7th Floor, DLF Cybercity, Gurgaon-122002 Haryana
Email: support@twelve.club
Website: twelve.club
Updated on
Nov 8, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 5 others
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
Data can’t be deleted
15.5K reviews
Avaneesh Pareek
November 25, 2022
It was all great in the beginning. But now the app just won't open. It is stuck on the start animation screen. I am not able to view it from last 2 weeks. There is also no response from developer team even when I dropped an email with the issue. It is resolved and back to normal now
4 people found this review helpful
November 25, 2022
Hi, we understand the disappointment this may have caused. To assist you further on this, kindly drop us a mail at 'support@twelve.club' along with the registered mobile number.
Gurusai Prasannakumar
November 28, 2022
KYC happened in minutes, perhaps the fastest ever I've done. However unable to deposit amount through UPI. BharatPe being the payment interface for many, didn't expect there would be issues in depositing the money. This gives doubt about withdrawals. Please correct and make the app better. Edit 1: Been using it for few months now and everything's good so far except that initial issue. So upgraded the rating from 2 to 5.
2 people found this review helpful
November 28, 2022
Hi, it looks like you are facing some difficulties with our services. We request you to please drop us a mail elaborating on your issue over support@twelve.club along with your registered mobile number.
Harshit Shah
November 5, 2022
It's really very bad experience with this app. I don't know only i am facing this or anyone else also since last one month i am trying to open the app and wanted to check investment status but it's not working. It only shows loading screen. It's not working properly. Now I guess I need to delete and reinstall the app again. 😔
26 people found this review helpful
November 5, 2022
Hi, this shouldn't have happened. Kindly drop us a mail at 'support@twelve.club' along with the registered mobile number for proceeding further.