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: [email protected]
Website: twelve.club