12% Club app BharatPe Review: Working, How to use, Benefits, and Risks

12% Club app BharatPe Review: Working, How to use, Benefits, and Risks- this post is written both for the person investing money and the person taking loan from 12% club app. So I request you read the relevant section taking help from the table of contents.

Are you looking for a new way to invest and lend money? Look no further than the 12% Club app by BharatPe! This innovative peer-to-peer platform allows you to connect with other investors and borrowers directly, giving you more control over your financial decisions. Whether you’re looking to grow your savings or fund a new project, the 12% Club app has everything you need to get started.

In this review, we’ll take a closer look at how to use the app, it’s working mechanism, benefits, and any potential risks. So, let’s dive in and discover how the 12% club app by BharatPe is different than other traditional apps.

The 12% club is a technology-based investing and borrowing app powered by BharatPe. It means BharatPe only provides its technology platform for you to invest or borrow money. The 12% club has partnerships with various P2P(Peer to Peer) NBFCs for providing investing and borrowing services. There are benefits and risks associated with the app, hence how to use it to maximum utility depends upon your understanding of the 12% club platforms working. You will find a detailed review of 12% club app in this article.

It is important to exercise caution when considering investing or borrowing money based on advice from videos or other sources. It is crucial to do your own research and due diligence before making any financial decisions. It is also important to be aware that there may be biases or conflicts of interest present in the advice being provided. Borrowing money can also be a risky decision and it is important to carefully consider whether you will be able to make the necessary payments on time and in full.

Therefore I have written the blog post “12% Club app BharatPe Review: Working, How to use, Benefits, and Risks” for you and have tried to cover everything that helps you to behave rationally with your hard-earned money.

How does the 12% Club app BharatPe work?

The 12% Club app can be either used for investing or for borrowing. It means you cannot be an investor as well as a borrower. Therefore it is important to be clear beforehand about what purpose you are downloading the app.

How does the 12% Club app work for the investor?

You became a member of the 12%club when you add money to the app. Your money is securely placed with two RBI-approved NBFCs – LendenClub (Innofin Solutions Private Limited), and Liquiloans (NDX P2P Private Limited).

These two NBFCs manage your invested amount. The return on your investment is in form of interest paid by the borrowers to whom the money is lent through P2P NBFC Partners.

How to add money to the 12% club account?

First, you download the app. Then sign up using your mobile number and OTP. After that, you have to create your account by linking your bank account, and PAN card and completing your KYC.

After accepting the terms and conditions you can add money to invest in the 12% club app 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 an investment in 12% Club

You earn daily with 12% Club!! The return is based on the deployment of the money with the registered borrowers. 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.

For example – if you invest ₹ 1,00,000 with 12% Club. You will earn up to 12% return per year – ₹ 12,000 and ₹ 33 per day. Return will be earned from the next day (based on disbursement to a borrower).

What are the risks associated with the investment in the 12% Club?

The 12% club P2P NBFC Partner tries to minimize risks by undertaking stringent verification and credit underwriting process. These investments which are in the form of lending through our P2P NBFC Partner are subject to risk on account of the borrower defaulting on the payment. In case of any default, The 125 club does regular follow-up and soft recovery with the borrower.

12% Club app BharatPe Review: Working, How to use, Benefits, and Risks


Peer to Peer (P2P) lending is unsecured and even after a rigorous process, The 12% club does not guarantee risk-free returns or no defaults. However, they have a soft recovery and collection process in place to ensure minimal defaults.

Will I lose all my money if a borrower defaults on payment?

No not always!

A borrower borrows from a pool of investors like you. So if a person(borrower) fails to pay the borrowed amount, it can impact the pool of investors against whom the loan was made. Still confused!! let me explain it a bit further.

If your ₹ 3,000 (three thousand) is spread across 100 loans and the borrower defaults, the potential loss is ₹ 30(₹ 1000/100.) Multiple lenders invest in multiple borrowers. A loan is given to the borrower from many investors like you and hence the risk is divided.

Essentially – for an ₹ 3,000 (three thousand) loan, there are multiple lenders who have invested in that ₹. 3000 loan and if that loan defaults, all the investors who have invested in that loan lose the built-in buffer.

How to withdraw money from 12% Club

You can withdraw the money fully or partially at any time. The withdrawal amount will be credited to your registered bank account within one business day.

There are no withdrawal charges.

If there is a platform rush, i,e if everyone rushes to withdraw their money from the app, then the worst that can happen is the money will come in a staggered way depending on the underlying tenure of the loan (which is the average tenure of 6 months)

How does the 12% Club work for the Borrower?

If you have downloaded the 125 club app for borrowing money then you must have a good credit record.

For lending purposes, the P2P RBI-approved partner of the app is Hindon Mercantile Limited. You may not get the loan from the platform if :

  • are eligible as per our lending partner
  • you failed to furnish all valid supporting documents.

You have to undergo the same registration process to get registered at the 12% club mentioned above.

How is interest calculated on my loan?

Interest is calculated at 12% per annum on your borrowings subject to your creditworthiness.

For Example – if you borrow ₹ 1,00,000 with 12% Club. The 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?

All loans are for a fixed 3-month duration.

But you can repay the loan amount even before the expiry of the tenure. There is no prepayment penalty.

At the end of 3 months, The principal + interest will be pulled from your registered bank account. It means the lending partner of the 12% club app may take the money from your bank account on a pre-approved auto-debit basis.

Hence if you are thinking that you can easily borrow from the app and can run without repaying the money (interest+principle), then think twice. You have already given every detail about your finances when you registered with the 125 club app at the time of registration.

How much money can I borrow?

The loan offers start from as low as ₹ 10,000 and up to ₹10,00,000. The maximum amount of loan will differ from person to person depending on their creditworthiness

Where can I contact the 12% club lending partner?

In case you have any grievances or complaints or have any questions about the product, you can contact:

In case of any assistance, reach out to: support@twelve.club

If you are a Borrower and wish to reach out to the lending partner regarding your loan, please contact:

Name: Hindon Mercantile Limited

Email: helpdesk@mufinfinance.com

In case you wish to reach out to the NBFC P2P Partner regarding your investment, please contact:

You have one option!

As you have read this post so far, it shows your interest in investing. You can consider investing in the stock market to get more returns.
If you like then you can read this- Stock market investing guide for a beginner


  1. What is a 12% club?

    It is a P2P lending and borrowing platform where the investor who is also the lender earns interest paid by the borrower. 12% club is just a platform that neither lends nor invests your money.

  2. How does the 12% club make money?

    The money that you deposit or invest in the 12% app is invested by the partners of the.12% club in the secondary market. From there they earn money. You earn the interest that the borrower pays to 12% club.

  3. Is 12% club works as if I am giving a loan to someone?

    Yes, exactly!! The difference is that you don’t have to recover the money by yourself. The NBFC partners of the 12% club do that for you.

  4. Is 12%club approved by RBI?

    NO, therefore the app gives the money to its partners who are registered and approved by RBI as NBFCs

  5. Is 12% club better than savings and FD investments?

    Yes, it is! If you consider the rate of interest is considered. But it is riskier.

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