12 Club Review || 12 Club Bharatpe Review || P2P lending
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- เผยแพร่เมื่อ 4 ต.ค. 2024
- 12 Club Review || 12 Club Bharatpe Review || P2P lending
There has been a lot said about the 12% club by BharatPe, while some users are extremely happy with the 12% returns, other users not so much. Most of us do not understand the underlying risks associated with P2P investments, and how it compares to other forms of investment.
In this video, we talk about all the aspects of P2P investments and BharatPe’s 12% club? Watch this video to understand the Pros and Cons of the 12% club
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4 दिन बाद आप का 1 साल पूरा हो जाएगा इसकी मुझे बहुत खुशी है मैं चाहता हूं कि आप ऐसे ही आगे बढ़े शुक्रिया आपका सब्सक्राइबर🥳🥳🥳
In 12%club, one lender's money is distributed to around 100 borrowers. So, although carrying a native high risk profile, this p2p model is far better than others.
True. This girl clearly did not do the homework and rushed to make a video
Using since 1 year no problems at all
True.. madamji is week in P2P risk strategy..
@@Johnrewri hi bro did u use 12% club is it safe or not.did u invested amount in that?
@@Johnrewri how many do you get
most honest and detailed exlanation. we need people like you sis.
Madamji, it's more than 3years, and continues investor in Bharatpe, received daily interest and able to withdraw smoothly. No complaints for above 12% returns, that too in covid times...in short...I like 12%returns
But customer service need improvement is a feedback
Is it safe ?
Is it safe?
Is it safe
Is it safe ?
Is it safe?
Not 10 lakh only 1lakh and now not accepting investment due to overwhelming response
People are losing out over 60-70% in stocks and we're saying P2P lending is risky 😏
Aapka control hota hai n ,long term me acghe business upar hi jate hain , bharat pe me aapka control hi nhi aur agar bina control k chalna hai to mutual fund ki taraf jao
12% club default karne ki possibility km hai but zero nhi hai sidhi baat
So true
Leave stocks 🌚😂 crypto market has been a catastrophe in recent times 😏
40%-30% to rahega na? Yahaan pe gaya to 100%+interest sab jayega be.
@@hrishikesh07m No the loan is divided between many lenders so there is risk of default but you will lose part of loaned money or deposit but not full amount
My father is a businessman. We want to give 24% interest if we get money when we need. In bank there r a lot of processes. Most of the time we borrow money from locals as we don’t want to give tax.If we have money to pay,bank takes a lot of time for processing.
This kind of app provides loan at right time.
Hello Koustav. If you ever require the loan, just let us know. I'll help you out regarding that.
@@vivekmaan306 Sir I need loan..can u help me out
@@ruralindia1091 What's your contact number?
@@ruralindia1091 what are you going to do with that loan
@@rohi1255 its for my grandmother's treatment..i need money badly at the moment
Real meaning of Review..... Where other promote the scheme in the name of review...you were true the word.... REVIEW 👏👏👏
Maine tradecred mai bhi investment kiya hamesha dhar laga rakha bhag nahi jaaye ,bade bade banks mai ghapla ho jata hai toh in companies ka kya bharosa . Bank are giving fd taking riak themselves .its not easy task .
Maine 2019 se bharat pe intrest acount use kar rhaa hun 30k se start Kiya tha 12% intrest or aaj mera 10L ka investment hai from last 6 month aaj tak 1rs idhar se udhar nai hua Naa hi kabhi intrest ya widhrawal me delay hua hai ek dum accurate hai or trustable hai 50k se jyada intrest earn kar chuka hun ...5 rating
Or waise bhi Stock ho ya mutual fund risk to har jagah hai
Stock market mai sebi k under ata hai..
Agree.. similar experience.. like 12% interest strategy
@@diptenduvisit9185 to isko bhi NBFC or RBI regulate karte hain
भाई अगर इस से लोन लेना हो तो क्या करना पड़ेगा
You have a view and we have democracy! You are brave to request in your video not to use a particular app. Hats off to you!!! Say what you feel is a sign of bravery!
Woah just a little surprised someone just said what was in my mind
Your financial products review videos are helpful and informative. More such videos are well appreciated.
Finally first useful n new content from ur channel ..keep it up chotu 👌🏻
Thank u so much aapki video dekh kar maine saare paise withdraw kar liye warna Maine apni poori income 12% intrest pe daal rakhi thi
this is like Online Chitfund :-) but borrower is unknown for investor, so bit risky. Does RBI has control over this bharat pe to save investors ?
Glad someone covered this. Nicely explained 👍
12% club ki application open nhi ho rhi boss kya Kiya jaega mere to paise fas gye usme
Better to Invest in Stocks or Mutual Funds 😀
Intelligent, Informative, Cute & Beautiful the perfect combination...
Want to start a sip....how to start and in what? Don't want to take much risk... moderate return rates are desired
I have had a very good experience with 12% club, I am invested since last 1 year, getting interest on time. Also if there is any concern, they respond quickly, infact for one of my queries I immediately got a call from them.
P2P is risky investment, but looking at the Bharatpe and Cred brand and their consistent performance in returns, I am using them.
@Netflix Entertainment lawde ka mobiwik
There should be a ❤️ button , Really appreciate your work from heart.
Yt open suggestion m aa gayi aapki video...
Content Accha laga, & baaqi sb to.. waise kaafi khoobsurat hai aap... 😅💫
Even in the beginning i had doubts, but now it's been 6months I'm using bharatpe and i invested 2lakhs..
Easily earned 15k .
I'm sure no stocks or mutual funds will give me this much money , and i feel my money is saver in bharatpe. Atleast it won't go to negative. And i get everyday interest amount.
Yeh paise withdrawal hogye ya abhi app par hi hain?
@@sumanyukapoor2512 still on app
Try withdrawal of full amount, you can invest it again after withdrawal, i suggest ek baar withdrawal karke dekh lo koi problem aa rahi hai ya nhi?
Mera 1 question meko abhi bhi nhi smjh ara hai 12% club pe me Agar 10k ki investment karta hu to mujhe daily ka
12% return milenga (1200) ya monthly (1200) Interests milenga
@@asadshaikh9779 Annually milega, Monthly ya daily milta toh tum Gautum Adani se jyada ameer hote guru
I had not followed you till now , but your shorts are frequently recommend to me. When I saw your shorts thumbnail , I could not stop myself from seeing that 'is a cute child girl making yt shorts'? But after watching the whole video I had been proved wrong but I concluded that 'She is not a child, she is young'. One thing I guessed correctly that you are cute , not cute, you are cutest😊😊. Nver compromise with your cuteness and if you dare to do it, then I shall unfollow you😌😌. Now, I am following you..🙂
Bro chill
She made the video without using the app… the current limit is only 1lac
Update-Pehle 10 lakhs tha limit abhi 1 lakh kar diya hain...aur ek hafte se new investment wo accept nahi kar rahe hain( please do full reasearch first and then make video ..it's request)
Ab check kro
Abhi 100000 tak hi deposit kar sakte hai naki 1000000 woh pahele tha thik se check kar lena ...Main bohot pahele se hi invest karke rakha hoon
50000 p b 24 hrs ka time d rha h 12 percent club
Thanks for very honest review and final your suggestion ...we want it in every video
Not true, you can invest only upto 1 lakh not more than that, earlier it was 10 lakhs now it is only 1 lkh, forget 50 lakhs
If you have credit card with loan u can invest only 1lakh.. else it's 10lakhs
today I initiated an interest payment withdrawal of just 118/-. I received a message that the withdrawal request has been initiated and will take 48hrs
Abhi invest nhi kr pa rhy hai.. Kab invest kr payengy.. Plz reply
My question is out of your syllabus-
Can't you buy a good MIC ?
I wanted to hear the video but unfortunately your voice is so noisy so I jumped to another channel for information.
Hope you understand.
Thanks
Mera 1 saal se invest kar raha hoon, but ajj kal amount lock in se liquid ane main mature ke baad 15-20 din lag jata hai. Inke customer care jhut bolta hai
I have been investing almost 3-7L in it for 2yrs+ continuously and daily transaction bhi karta hun 40-50k average withdraw and deposit instant paise bank main aa jata hay and daily interest milta hay to compound rate pe almost 13% and I'm club member so 1% extra so 14% cagr...
There instant money settlement into bank is the greatest feature and I'm a genuine happy customer
And if you see portfolio they didn't gave more than 5k to any customer from a individual account of my 6.3L currently
Great ...are u from lko
Club members kaise banata hai
@@janabali73000 lko means?
Lucknow UP ...
@@janabali73000 no West Bengal
Bharat pe ka recovery rate 96% hai and I think its going to be 98 to 99% in future
Thanku for the review. I was really confused about whether to invest with them or not but now I am clear.
Can we invest in this?
Ma'am Bharat pay per Apne paise safe hai ya nahin? apne paise jo hai usme wo Bank mein hai ya Bharat per app per? man Lo kal company band hoti hai to apna Paisa kon dega bharta pay app ya usme ek account no diya hai wo icici bank ka wo ?
4:24 You are reminding me about Lehman brothers.🤔😄😅
By the way, 12% club has halted investment currently due to overwhelming investments it's receiving i.e. Lending Amount > Borrowed Amount
But what if this is just another marketing strategy? What if they want you to have FOMO so that you will invest more when they start taking investments?
@@Thenameischetan I don't think so 🤔
@@Thenameischetan Have you invested?
If not then try the water by entering first!
Mujhe 45000 ki borrow limit mili thi. aaj repayment kiya. limit Cease ho gayi. No investment No Borrowing is allowed in today's date 26-05-2022
Start cred mint
Chote amount ke loan log kum default krte hai . Like 20k-50k .. pr shopkeeper ka default rate bot kum hai .. or daily paisa deduct hota hai uske ac se to unke liye pay krna asaan hota hain.. loan default krne ki probability jyada ud personal loans me hoti hai jo shopkeeper ko nai doosre logo ko diye jaate hai .
Maine investment kar rakha hai but ab m or invest nahi kar pa raha bcoz add money option hi nahi khul raha
U missed few things during risk analysis
As per my knowledge they are lending money to those who have their QR codes and through that account they automatically take emi of lended amount.
So this is simple it has risk but low risk
also if all the transactions are carried out via their QR code, then Bharat Pe has a pretty good understanding of their borrower's financial condition. So again that puts them advantage
and what if the business close's down? These r v small mom and pop stores and lot of time they are not taking loans for expansions but as part of their working capital. Its quite possible that they close down(remember they are practically of v weak credit profile) and ur money hoes down the drain
Glad i read your comment !
👍🏽
*pretty excellent and to the point video no bakwaas continue your excellent work*
I want to invest only for 2-3 months where I can invest to get good returns without high risk
12% club
Madam, unka add money ka feature last week se band hai
मेरे App में भी Add Money काम नहीं कर रहा है. Reopening Soon का message आ रहा है.
Good Content but I wish you had tried to invest yourself as well so as to know that 10 Lakh investment limit was brought down to 1 Lakh long back and 1 lakh has also been stopped (for now).
Would have been good to understand your views around why this is "Extremely Risky".
If it is for the Default Risk, Isn't this what Banks also do?
Banks have a collateral against most loans and they give the loans based on the credit score, thus reducing the risk involved
@@danishpachyala8618 You are focussed towards small loans whereas the banks exposure is mainly via BIG loans. I am sure you would have read about Chowski, Mallya, Subroto and so on.
What was the collateral for those multi billion loans and what really happened?
I am not debating that safety net is not present for loans with collateral vs no security for unsecured loans, it is about Risk and bank only give you guarantee for amount depoaited upto 5 Lakh and not beyond that.
khudka paisa jaha marzi lagao ya gaand me ghusao , sabko itna acha laga p2p lending to review nahi dekhte ake 😁
Investment window in 12% club has opened from today
Mam Bharat pay credit card ke upper vedio banao
If the borrower defaults then the investors interest percentage should be affected not the principle amount. If this formula is used then people will invest.
I never follow someone very easily but becoz of your work and knowledge u sharing that would be taking hours of ur day so for that i followed u
I disagree with your negative feedback about 12% club app because you are saying that it is extremely high risky than stock market. However your overall explanation is good.
1) there is no spread between lending and borrowing
2) they give loans to risky borrowers if borrowers default there is risk
Kab start hogaa
I followed you because of the information. Now I realise how cute you are 🙂 Great content bdw 👍
Happy holi
th-cam.com/video/_FrbF62-b68/w-d-xo.html
Hawas ka chakkar 😌
Same
🙄🙄🙄🙄🙄
🤣🤣
Ni Krna chahiye kyonki unke employees ko salary ni mil rhi wo hmko kya return denge and last company is going to dead bcoz of there management
Mam, apki ye vedio dekhke mene cancel Kiya 12 percent par invest... thanks for genuine review....but some of youtuber over here just only for their selfish benefit...
Ma'am this 12 %club is better than fd. Because Fd give 6 percent return and this is giving 12 percent
Fd give guarantee but this doesn't
Aapki qualifications????
Bahut video dekha but yaha pe aa ke clarity mil gyi.
Muje laga ap bhi is app ka promotion kar rahe ho bt nahi apne jo sach tha wo bataya so thank you
Hmmm Bharat pe Ney new algorithm design karkey it's like bank 🏦 ka hi kaam ,or ussey better kaam karraha hai.
thanks for outright saying that it is riskier than stocks. gave me the clarity i needed.
no its not! ! It is riskier than stock only if u r a very long term investor like 5 year plus.. if I talk about one year then stock market is way more riskier
Sahara invested jo hai , unka maturity k baad bhi payment ni kiya gya.
Ispe ek video ki kya process hai to take our money.
Is there eany alternative of this side
Paise kisi ped pe nahi ugate, itane kam samay paisa banana hain toh risk uthane ki bhi tayari honi chahiye.
Varana apane paise ko badhane ke liye time dijiye aur sahi jagah pa invest kijeye
From my personal experience bharatPe is safe and i get my interest on time. I am investing from last 1 year.
Bro is it interest after 1 year?
Chit fund nehi hai na
🤣🤣
I would like reiterate with your assumption is that risk are associated in every investment platform and people loose there entire investment and while in Lenden club the customers are happy enough getting 10-12% return which if they keep invested for 4/5 can earn 14-16% interest and like you said if borrower if defaults makes a risk to overall investor portfolio but in lendenclub the funds are hyper diversified for as low as 1 rupee which theyll further diversify to 0. and so which makes it the best platform to invest in the customer of lendenclub is good enough and my
Queries are getting answered on time plus to this they are RBI registered makes them the largest P2P player in the market
Does lenden club earn 30%+ interest from borrowers?
@@theworldinthevlog9970 No I don’t our yearly roi is 37.88% but we offer loans between 3-5 months tenures from the range of 5000-25000 which comes to an average 20-22% interest which a borrower has to repay and even if there is NPA of 2-5% an investor end up getting a return of 10-12% which we are delivering on a platform level so if you see Lendenclub does a finest job in mitigating the risk 1) By hyper diversifying the fund among many borrowers 2) By giving loans to a short size ticket of 5-25k which can be easily recovered with soft words 3) Only providing only to credit worthy borrowers only after 600 check points a loan get disbursed on a there account.
@@Chetann_ So you mean, you get 20%+ interest. But what you offer to the investor customers on your platform is 10-12%?
Are you working with lenden club?
Nehi humne phonepay gpay hi dekha hai , ap kis seher ki bat kar rahi ho god knows, ha ek do sehero me ho sakta hai like bangalore or mumbai , but in the larger scenario market pura abi bhi nehi liya bharat pe ne.
Check 2021 quarter ka balance sheet of company it's open ur eyes.
12%club has stopped taking money from investors.
Now we can not add money
I am able to add
@@wewe-fx6un for me app is saying “we are currently swamped with the investments. Reopening soon”
@@Juggernaut__ ooo
@we we if it's stopped you can search about per annum.
8 months se paise invest kiye hue hain mene par ek dar lga hi rehta hai. Pehle fir bhi withdrawal sath ke sath aa jata tha lekin ab to 8 days likha aa rha hai isliye dar bad rha hai day by day
Paise apko sabhi withdraw ho gaye
Paytm me fd safe hai plz make video..
In which category does this “Bharatpe 12% club fall into ? Like I guess I can Phonepe is a UPI app.
Invested now 32 lac and my earning is 32k per month from bharat pe ...it's better from other place..total intrest earn 320000 since last year ...aur rahi baat risk ki to risk bank me nhi hai kya waha bhi goverment apke deposit k secure ki guarentee nhi leti...
Limit is upto 10lakh.
How you invested 32
@@shivamchoudhary27 If the limit of 12% app is 10 lac, then how have you invested 32 lakhs?
Is hisab se mene 5 crore Kiya hai invest aur 5 lakh mil raha every month
@@ankeshtirpude4493 Even Rs 32 lakh can easily be invested and in order to do that, you just need four 12% club accounts in the name of your family members. Although, I'm not sure whether he has actually invested that much of the amount or not.
I am using the 12 % club from 4 months. So far the i really like the application and i also i have withdrawal the interest earned directly into my bank account
Help chahiye thi aapse
Happy holi mam 👌
Mam...aap ek vedio trade cred ki upar banaiye na....uspe invest karna sahi rahega ya nhi... thanks 🙏
You make excellent clear videos.Keep it up
12% club abi available hey kya.
No
I was just thinking to invest in it.
Thank you for making video
Thankyou mam...thankyou...actually I was thinking to spent all my saving in 12 percent club ..straight forward no to 12 percent club
RBI का कोई control है या नही इन पर, कि ये fraud नहीं करेगे या customers को RBI से full support मिलेगा??
Customer कही complain कर सकते हैं क्या (कहां यदि हां तो) justice मिलेगा या नहीं ?
Plz reply
Is MobiKwik xtra investment risky?can u please try to explain
Paise add karne ke baad kitne din baad withdrawal kar sakte hai
bhut aagey jaogi aap CA sahiba☺️☺️
Best of Luck 🤞
Please Give me opinion,,,,,,all Bharat pay users
Mene Bharat pay par 50k ka invest kar rakha hai....Kya ye safe hai..... amount withdrawal kar le....ya fir invest rahne de.....
Small amount invest krein qki ye risky hai thoda. Better invest 5-6% of your total savings.
Thanks for this information, it really made me sense , i m using Bharathpe investment account nearly from past 3 years with 2 , 3 lakes but i always think as this is right platform for investment but u cleared it
Mere invest par 12% ka interest kab tak milega ,monthly ya yearly
I would rather invest in stock market and gain almost 15%
Defintely earning 15% from stock market is not easy way these days, unless you are pro
Good luck to you!
12 percent return means , money will double in 9 months . Is it ?
12% per annum....1% per month....😂😂
@@bollywoodluvv4740 lol
@@bollywoodluvv4740 bhai isko to moot mein machhliyan chaht
Video without proper research.
Currently 12% club had hault the deposit.
Max amount can be deposited is 1 lakh only
I usually see this channel making video without detail research and shocked that instead of analyzing the content, people more focus on how cute the girl is.
12% intrest monthly or yearly ??
Yearly
Aapka smiles 💙🤩 bahut acha hai
Sabse Bada Risk Market Mai Risk Nahi Lene se Hai
Clearly, you do not understand the business model and risk mitigation part of it.
How much you have invested ?
do you ?
Pls explain
Very honest review
You know nothing about business. Your question shoes that
Mam kabhi kisi employees se baat keliye hote bharatpe ke toh loan ke bareme bhi achcha khasa information mil jata toh risk kam lagta 😃
Isme long term investment sahi hoga ya shot term