12% Club: Invest or Borrow@12%

3.4
28.4K reviews
1M+
Downloads
Content rating
Everyone
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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
- Loan amount: From Rs.10,000 to Rs.100,000
- Tenure: 3 months
- Minimum repayment period:3 months
- Maximum repayment period: 3 months
- Repayment: To be repaid after 3 months. Users can also foreclose the loan anytime they want during the tenure with no prepayment charges.
- Maximum Annual Percentage Rate:12%
- Sample calculation: Principle amount=Rs. 1,00,000, Annual Percentage Rate=12% , Assume the loan is repaid after 3 months then Interest= Rs. 3000 , Total Amount Payable= Rs. 1,00,000(Principal) +Rs. 3000(Interest) which is Rs. 1,03,000.
- Get upto 12% interest per annum (Interest accrued daily)
- Request withdrawal anytime, no withdrawal charges
- In partnership with RBI approved NBFCs- LendenClub (Innofin Solutions Private Limited) and Liquiloans(NDX P2P Private Limited)

Borrow @12%
- Borrow money anytime @12% interest
- Repay anytime, no prepayment charges
- Minimum repayment period- 3 months
- Maximum repayment period- 3 months
- Zero processing fees

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 - 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: Repayment to be done after 3 months. Users can foreclose the loan anytime they want with no foreclosure 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
Pondicherry
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

Permissions:
We only collect your approximate location to assess your creditworthiness and for risk assessment purposes.
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
Jan 12, 2024

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

Ratings and reviews

3.4
28.3K reviews
Mahalaxmi Tosham
February 8, 2024
Very poor service. Im having withdrawal problem from 15 days. I wrote a mail daily to the support team but no action taken from them. When I click on withdraw is shows functionality blocked. Suspicious activity detected. Very poor response. Don't invest in this application it's very cheap and zero transparency.
2 people found this review helpful
BharatPe
February 8, 2024
Hi Mahalaxmi, this is certainly not the kind of experience we'd like you to have. Kindly let us know your concern along with the registered mobile number over 'support@twelve.club' for proceeding further.
Aditya Govil
February 27, 2024
I am unable to login by my orginal I'd from which I made investment, it says something went wrong and when I login from other IDs it easily login. I am facing this issue from long if it doesn't resolve then I will file against the app because it is clearly visible that some error app is showing only from my account from which I deposited the amount.It seems as if app is doing some Fraud and is trying to rob my money.
1 person found this review helpful
BharatPe
February 28, 2024
Hi, this is certainly not the kind of experience we'd like you to have. Kindly drop us an email at 'support@twelve.club' along with the registered mobile number for proceeding further.
Eshani Nandy
January 4, 2024
I have deposited an amount without any lock in at the lowest revised interest rates (9.5%). I have been trying to withdraw the interest amount and then also tried withdrawal of the principal amount. 4 5 times now the reply is that the withdrawal could not be processed due to error at their banking partner's end. I have even raised concern with the support team over mail. It's been 3 days and no action. It is definitely what it used to be. Lack of transparency and too many issues with the app.
517 people found this review helpful
BharatPe
January 4, 2024
Hi, this shouldn't have happened. Kindly drop us an email at 'support@twelve.club' along with the registered mobile number for proceeding further.

What's new

Improved performance and bug fixes.