What is 12% Club App? How to Use, Benefits, Disadvantages of 12% Club!

Friends, 12% Club App is a venture of BharatPe through which BharatPe gives you an opportunity to earn 12% interest and that too without any hassle. Now the question will come in your mind that how? So 12% Club is an Investment & Loan App powered by Bharat Pay in partnership with RBI registered NBFC. If we compare it with other ways of investing money available in the market, then 12% is very good, which is much better than 3-4% of savings account and 6-7% of Fixed Deposit (FD) per annum. Is good.

You can earn 12 percent interest annually by investing your money on 12% Club and you can also take loan from this app. With this app, you can withdraw your invested money anytime. In this article, I will tell you about 12 Club App Kya Hai. So that you can easily invest your money in 12 Club and earn a good return.

So Stick to the Article to know about That What is 12% Club App, How to Invest in 12% Club App, What are the Benefits of 12% Club App, also What are the Disadvantages of 12 Club App, How to earn money by REFER & EARN from 12% Club app and how to use 12% Club app. So let’s Get Started..

What is BharatPe?

Well Before we go to in deep sight on 12% club app, Let’s first of all understand about BharatPe app. BharatPe is a mobile application for digital payment transactions through mobile, through which millions of merchants and people do online payment transactions. Launch of BharatPe app Resilient Innovations Pvt. Ltd. It happened in the year 2018.

The best thing about BharatPe is that the merchant does not have to pay any kind of processing fee or any kind of charges on this transaction of yours. So till now we have understood about the information related to BharatPe, now we understand about 12% Club, the platform run by respective company.

What is 12 Club App?

12 Club is a fast and convenient platform for peer-to-peer (P2P) online money lending and borrowing money offered by Bharat Pay. This app provides investment options in partnership with RBI registered NDFC company Hindon Mercantile Limites, LenDen Club and Liquiloan

This app gives you 12 percent interest annually on your invested money. And from this app you can also take instant loan anytime. With this app, you can earn a good return by investing your money safely sitting at home.

In this app you can invest from Rs.1000 to Rs.10 lakh and you do not have to pay any fee on this. This app is registered by RBI and it is safe to invest in BharatPe as we are India’s largest fintech company.

If you save your money in 12% club instead of savings account or FD, you will get more interest than the bank. Because in present times the bank does not give us that much interest.

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What are the benefits of 12% Club App

There are many advantages of using this app, some of them are given below, please read them carefully.

  1. You can earn a whopping 12% annually by investing money on the this app.
  2. In this app you get interest on your invested money everyday.
  3. You can easily invest your money sitting at home and can withdraw money anytime you want.
  4. You can easily track your invested money through the mobile app.
  5. This app does not have any joining fees and any kind of hidden charges.
  6. You can easily take loan from this app.
  7. With this app, you can take a loan at a much lower rate of interest than the loan available in the market.
  8. Many types of UTI support are available in this app.
  9. You can pay your bills with this app.
  10. You can take money in your account through the QR code of this app.
  11. You can use it in your business.
  12. You can earn more returns on your money than the returns you get in the market.

What is Peer-to-Peer Lending System?

Friends, now let us understand about Peer-to-Peer lending before we get start about 12 Club app.

Peer-to-Peer This is a very old way of lending, as in olden times you used to take loan from a close friend, in the same way it works like Peer-to-Peer, but it gives good interest on the money given to the debtors. And money in time of need to the needy creditors.

Through Peer-to-Peer solution, both the creditor and the debtor are helped and in this method the chance of losing money is very less. Because here Peer-to-Peer company checks the eligibility of the creditors on your behalf and distributes the money in the right way at the right place on your behalf so that you get your interest in the right way and your money does not sink.

Documents required for Open an Account in 12% Club App

You will need the following documents to open an account in BharatPe 12 Club App.

  • Aadhar card
  • Bank account
  • PAN card
  • Your Passport Size Photo

These three documents are sufficient to open an account.

How to do KYC in 12% club app?

In KYC, customer or customer’s name, address, Aadhaar number, PAN number as well as bank account number have to be given, whose verification is done through OTP of your Aadhaar and mobile number. And Here are some easy steps for KYC in 12% club app which you have to complete by following below steps..

  1. First of all on home page of the 12% Club app, you have to click on Add Money.
  2. On the new interface, you have to click on the link now option given below link your bank account.
  3. After this you will see the names or logos of different banks, find your bank in it.
  4. If you do not have your bank name in it, then click on MORE BANKS.
  5. Search by typing the name of your bank in the search bar given above or you will be able to find your bank name by scrolling the list below.
  6. If your bank account is linked to your mobile number, as soon as you click on the bank name, your account will be linked to the 12% club app.
  7. If your bank account is not linked to the mobile number, then click on Add account manually, after entering bank IFSC code, Bank account number and PAN number, click on the box given below, then click on continue, and DON.
  8. Then you will automatically come to a new page, after clicking on add aadhaar, to verify your aadhaar, you will need digilocker (for this you have to install digilocker app and verify your aadhar card and pan card Add it otherwise your Aadhaar card will not be verified.) will take you to the portal, where you have to enter your correct 16 digit Aadhaar number.
  9. Then click on NEXT. Enter the OTP received on the mobile number linked with Aadhaar.
  10. After completion of Aadhaar KYC, you have to upload a selfie by clicking on the box given below take your selfie.
  11. So by these Steps you KYC Process is complete, and now you can use this app.

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How to invest in 12% Club App

12% Club App

Let us tell you that on which side you can earn 12% interest by investing your money in this app. For this you have to follow the steps given below.

  1. First of all, you have to download 12% Club App from PlayStore or App Store and SignUp with your mobile number.
  2. Now you have to click on the Add Money button.
  3. You have to link your bank account.
  4. Now KYC has to be completed from Digi Locker and a selfie has to be clicked.
  5. Now you have to verify OTP after reading the term and conditions and accepting it.
  6. You can invest up to Rs.10 lakh in this app by entering the amount according to your needs and clicking on Add Money. You will get the option of UPI, Netbanking and Debit Card.
  7. You can add money from any of the three.
  8. You start getting interest from the very next day.

How to Earn money by Refer & Earn from 12% Club App?

Apart from investment and loan in the app, you also get the benefit of earning money by referring someone. If you use this link then you can earn money by referring your friends or any family member. You can earn unlimited money from this app.

You get 10% referral bonus on the amount of money your referred people earn by investing in this app. If the friends referred by you are earning interest of Rs.1000 on their investment, then you get 10% of that i.e. Rs.100. With this app, you can also earn good returns by getting more and more referrals. Know about how to refer from this app.

  1. On opening the 12% Club app, click on the three lines on the top right side.
  2. Now you have to click on Refer & Earn.
  3. You have to copy the refer link and click on Refer Now.
  4. You can share this link with your friends and get them to join.
  5. Referral bonus of 10% of the interest earned by the people referred by you on their investment will be deposited in your account.


But, What ar the Disadvantages of the 12 Club App?

Friends, there is a risk of loss in any investment, so there is no risk to your investment in 12 Club P2P Lending, but those who take loans from this app. The repayment by the borrower directly affects your returns. If all the borrowers repay the loan properly then you will not be in any danger.

The money that is invested in it is loaned to others. If someone does not return the money then you may suffer loss.


Hope Now you have gained full Information about What is 12% Club, How to Earn money from 12% Club app and What are the Benefits and Disadvantages of using the app! Thanks for read the article and kindly share this info to your friends..


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