Unlock the Power of Passive Income with the 12% Club: A Smart Way to Earn Money While You Sleep


The 12% Club app is a P2P lending platform offered by BharatPe, that allows individuals to invest their money and earn returns of up to 12%. BharatPe is a fintech company that provides various financial services to merchants and small businesses. The 12% Club app is a new product offered by BharatPe that aims to provide an investment opportunity for individuals with a higher return on investment compared to traditional bank accounts or fixed deposits.

The app operates on a fractional lending model, where a single loan is split into smaller parts and is invested in by multiple investors. This helps to spread out the risk of default among a larger group of investors, reducing the risk for any individual investor. Users can start investing with as little as Rs 1000, and can withdraw their money within 48 hours without any penalty. Additionally, there is no TDS (Tax Deducted at Source) deducted on the amount withdrawn.

The 12% Club app is now available on the Google Play Store and Apple App Store.

Revenue Model of 12% Club

The 12% Club app operates on a fractional lending model, where a single loan is split into smaller parts and is invested in by multiple investors. The revenue model of the 12% Club app is based on the difference between the interest rate charged to borrowers and the interest rate paid to investors.

It borrows money from investors at an interest rate of 12% and lends it out to borrowers at a higher interest rate. The borrowers are typically small and medium-sized merchants who use the funds to expand their businesses, purchase inventory, or make other investments.

By charging a higher interest rate to borrowers, the 12% Club app is able to generate a profit, which is then distributed among the investors who have invested in the platform. The company claims that they have a default rate of around 2-3% and a margin of 5-6%. This means that they have a cushion to cover any defaults and still make a profit.

Overall, the 12% Club app's revenue model aims to create a win-win situation for all stakeholders, by providing small and medium-sized merchants with access to capital, while also providing investors with the opportunity to earn higher returns on their investment.



Is It Legal

Yes, the 12% Club app is a legal and licensed P2P lending platform in India. The app is licensed by the Reserve Bank of India (RBI) as a P2P NBFC, Innofin Solutions Private Limited ("LenDenClub"). It is important to note that P2P lending is a regulated activity in India, and all P2P lending platforms operating in the country must be registered and licensed with the RBI. This ensures that the platform adheres to the regulations and guidelines set by the central bank, which are aimed at protecting the interests of borrowers and lenders.

How 12% Club is Different From FD (Fixed Deposit)

The 12% Club app, offered by BharatPe, is a P2P lending platform that allows individuals to invest their money and earn returns of up to 12% through fractional loans. On the other hand, a fixed deposit (FD) is a type of savings account offered by banks and other financial institutions, where the depositor agrees to leave a sum of money with the bank for a specific period of time.

Here are a few key differences between the two:

  • Interest rate: FDs typically have lower interest rates compared to the 12% Club app, with the rate varying depending on the bank and the term of the deposit.
  • Risk: FDs are considered safer investments as they are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) and there is less risk of default. On the other hand, P2P lending platforms like the 12% Club app involve risk, as there is no deposit insurance and the risk of default is higher, but 12% club smart model reduces this risk.
  • Liquidity: FDs have a fixed maturity period and the depositor may have to pay a penalty if they withdraw the money before the maturity date. The 12% Club app, on the other hand, allows you to withdraw your money within 48 hours without any penalty.

Overall, whether you choose to invest in the 12% Club app or a fixed deposit depends on your risk tolerance, investment horizon, and financial goals. 

Is Your Money Safe with 12% Club

The 12% Club app, offered by BharatPe, promises to offer returns of up to 12% on invested money. However, it's important to keep in mind that this is an upper cap, and the returns can be lower. According to the company, they have been paying out 12% interest on a day to day basis from the start.

As with any investment, there is always a risk of loss of capital. However, BharatPe claims that it uses a fractional lending model which spread out the risk of default among a larger group of investors, reducing the risk for any individual investor. Additionally, the company has a default rate of around 2-3% and a margin of 5-6%. This means that they have a cushion to cover any defaults and still make a profit.

BharatPe is a big Brand & funded company

It's true that BharatPe is a well-funded company and a well-established brand in the fintech space. They have raised millions of dollars in funding and have a strong reputation in the industry. This adds to the credibility of their new product, the 12% Club app, and increases the chances of it being successful.


As per the information provided by BharatPe, the default rate on the platform is currently around 1.53%, which is quite low. This means that the chances of borrowers defaulting on their loans is relatively low, which in turn, reduces the risk for investors. The company has also built a cushion of 6% into their margin to cover any potential defaults.

Moreover, BharatPe has a strong track record in the industry, and has already established a reputation for providing financial services to merchants. This adds to the credibility of the 12% Club app, and suggests that the company is likely to make sure that they pay out the maximum returns as promised.

It's also worth noting that even in the case that the default rate increases and the returns on the platform decrease, the returns are still likely to be higher than what you would earn on a traditional fixed deposit or by keeping your money in a savings account.

In conclusion, investing in the 12% Club app may be a good investment opportunity for those looking for higher returns than traditional savings options, but it's important to keep in mind that the investment carries more risk than a traditional savings account or fixed deposit. As always, it's recommended to conduct thorough research before making any investment decisions.

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