12% Club: Invest or Borrow@12%


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Friends, in today’s time some people want that they should do some part time work along with their job. But in today’s time it is not necessary that you have to work outside only, you can also work from your mobile. That’s why today we have brought such an app for you so that you can easily do part time earning by using this app anywhere, anytime. You can easily earn from ₹ 500 to ₹ 1000 in a day. You can take the help of these apps to hand-le your daily expenses and you can easily cover your pocket money.

This is an app from which you can easily earn money. In this app you get many types of online tasks, which you can easily complete and save cash. You just have to give this app by taking out 3 to 4 hours in a day and you can earn money easily. You can also refer others, the more you refer, the higher your income.
12% Club
Powered by BharatPe and partnered with RBI-approved NBFCs, 12% Club provides a solution for all of your borrowing and investment needs.
Invest @12%
– Invest money whenever you want and begin earning interest every day.
– Loan amount: Between Rs.10,000 and Rs.10,000
– Duration: 3 years
– Restitution: to be immediately repaid after three months. Additionally, there are no prepayment fees, and users can repay at any time during the term.
Maximum Annual Percentage Rate: 12 percent
– An example of calculation: The principal sum is Rs. 1,00,000, APR of 12%, Interest of Rs. Assuming the loan is repaid in three months 3000, with a total payable amount of Rs. Rs. 1,00,000 (Principal) 3,001 (Interest), or Rs. 1,03,000.
With LenDenClub and Liquiloans, two NBFCs approved by the RBI, you can earn up to 12% annual interest (with daily interest accrual). You can withdraw at any time without incurring any fees.

What's new

At 12%, borrow

- Borrow money at any time at a rate of 12%
- Repay at any time, no prepayment fees, and
-No processing fees.
- Hindon is partnered with NBFCs that have been approved by the RBI.

How do I join the 12% Club?

- Download the 12% Club App
- Sign up with your mobile number and OTP
- Link your bank account, complete KYC, and
-Accept the Terms and Conditions
- Start investing or borrowing at 12%

NBFC partners:

As a platform, 12% Club does not provide users with direct returns on investments or loans. 12% Club has partnered with three RBI-approved NBFCs: hindon mercantile limited, LendenClub (Innofin Solutions Private Limited), and Liquiloans (NDX P2P Private Limited). When you choose to take out a loan or invest money, the app will show you a deposit agreement.

Personal Loan Features

Sum of the loan: Tenure: Between Rs. 10,000 and Rs. 100,000
Three months' payment:
One lump sum at the end of three months.
The user can also repay on the first day without incurring any prepayment fees.
Harayana: Karnataka's Faridabad, Gurgaon, Sonepat, Panipat, and Ambala:
Mangalore, Kerala, Bengaluru, Mysore, Tumkur:
Madhya Pradesh's Kozhikode, Thrissur, Trivandrum, Ernakulam, and Kollam cities:
Maharashtra's Indore, Ujjain, Bhopal, Jabalpur, and Gwalior
Orissa includes Mumbai, Thane, Pune, Aurangabad, Nashik, Nagpur, and Amravati. Cuttack, Pondicherry, Puri, Bhubaneswar, Khorda,
Punjab: Amritsar, Jalandhar, Mohali, Ludhiana, and Patiala:
Rajasthan's: Alwar, Jaipur, Ajmer, Pali, Bikaner, Nagaur, and Jodhpur
Tamil Nadu: Telangana's Madurai, Chennai, Coimbatore, Vellore, Cuddalore, and Tiruchirapalli: Uttar Pradesh: K.V. Rangareddy, Karimnagar, Warangal, Hyderabad:
Uttar Pradesh: Ghaziabad, Noida, Agra, Lucknow, Jhansi, Gorakhpur, and Bareily
Uttarakhand: Dehradun


To assess your creditworthiness and conduct a risk assessment, we require the following permissions from you: Installed apps, contacts, and location.
For more information, see the 12% Club privacy policy at https://twelve.club/#/privacy-policy. Resilient Innovations Pvt. Ltd. (Producer's name: BharatPe)


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How to install 12% Club: Invest or Borrow@12% APK?

1. Tap the downloaded 12% Club: Invest or Borrow@12% APK file.

2. Touch install.

3. Follow the steps on the screen.

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